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 31–45 of 48 in Arizona · median 5.52% APR
- 5.74%APRas low as
Terms
APR as low as stated rate for terms up to 60 months.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Rate as low as 5.84% APR assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.94%APRas low as
Terms
Based on approved credit on scores 675-750.
Auto loan score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low as
Terms
Financing for new and used vehicles (car & truck) or refinancing. Terms up to 7 years (84 months). Advertised 'as low as' rate assumes excellent borrower credit history. Lowest rate shown is for well-qualified borrowers. Full coverage insurance required with comprehensive and collision deductibles of $1,000 or less. No prepayment penalties.
Auto loan score 67 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
APR as low as. Term 49 to 63 months.
Auto loan score 66 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
ONERATE for new, used, and refinanced auto loans. Rate may be higher based on credit history, term, and age of vehicle. Membership eligibility required.
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - SunWest Credit Union of ArizonaAuto Loans - New + used (model years 2025 + newer) · up to 60 months
Credit union · 6 branches
6.09%APRas low asTerms
Payment per $1000 borrowed: $19.37
Auto loan score 64 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 13.85%
6.25% APR, up to 13.85%
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Southeastern Arizona Federal Credit UnionNew Vehicle Loan · up to 60 months
Credit union · 2 branches
6.25%APRas low asAuto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.30%APRas low as
Terms
Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000.
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
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