Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 16–30 of 48 in Arizona · median 5.52% APR
- 5.15%APRas low as · up to 18.00%with conditions
5.15% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for Benefits Checking.
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. 60 monthly payments of $18.98 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 11.50%
5.25% APR, up to 11.50%
Terms
Credit scores 575+ across Tiers AA to D (5.25% for Tier AA 725+ up to 11.50% for Tier D 575-599). Finance amounts up to 110% of MSRP w/ TTL. Fewer than 5k miles, no previous title. Terms 36 to 84 months depending on amount financed ($3,999 or less for 36 mos up to $35,000+ for 84 mos). Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available.
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - Copper State Credit UnionAuto Loans For New And Used Vehicles · up to 60 months
Credit union · 7 branches
5.25%APRas low as · up to 11.75%5.25% APR, up to 11.75%
Terms
≤90% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer.
Auto loan score 71 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 69 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 11.50%
5.50% APR, up to 11.50%
Terms
Save 0.25% when applying online upon approval of credit.
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
No application fee. Terms up to 60 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.56%APRas low as
Terms
Example based on borrowing $30,000 with a $249 loan processing fee (total loan amount $30,249) on a 5-year loan at an interest rate of 5.24% yielding 5.558% APR. Actual interest rate and APR may vary.
Auto loan score 71 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
As low as APR headline rate; term options up to 84 months.
Auto loan score 71 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - Arizona Central Credit UnionNew Auto Rates (2022 and newer) · up to 63 months
Credit union · 9 branches
5.70%APRas low asTerms
Maximum loan term 63 months.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Rates quoted are subject to change. Some restrictions may apply.
Auto loan score 69 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Arizona
48 banks and credit unions · checked Oct 15–22
- Typical
- 5.52%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.32%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Arizona
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 7 branches
- AERO FinancialCredit union · 7 branches
- ICCUCredit union · 2 branches