Auto Loans in Phoenix, AZ 85042

Looking for the lowest vehicle loan rates in Phoenix, AZ? Compare offers quickly to find the best deal that fits your budget and gets you behind the wheel faster. It’s easy, free, and designed to save you money.

Whether you’re buying new or used, refinancing, or upgrading, local lenders offer flexible terms and friendly service right here in Phoenix. Start comparing now to drive off with confidence and the best rate available.

New Used

Filters

Zip Code

Credit Score

Sort By

Sort Type

Lender

APR

Term

Link

Info

4.69 - 6.74 %

2 - 7 Yrs

∞

4.74 - 6.24 %

3 - 7 Yrs

∞

4.95 - 5.15 %

4 - 5 Yrs

∞

4.99 - 8.49 %

3 - 7 Yrs

∞

4.99 - 7.49 %

3 - 8 Yrs

∞

4.99 - 10.74 %

3 - 10 Yrs

∞

4.99 - 5.24 %

5 - 6 Yrs

∞

4.99 - 6.99 %

5.4 - 7 Yrs

∞

5.09 - 10.34 %

7 Yrs

∞

5.2 - 7.55 %

3 - 7 Yrs

∞

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Connexus's auto loans with APRs ranging from 4.69% to 6.74% and recreational loans with rates between 6.59% and 10.49% . Unchanged compared to 7 and 30 days ago. Both loan types maintain steady terms and pricing over the past months. Affinity Plus has auto loans with APRs ranging from 4.74% to 6.24% and motorcycle loans from 4.74% to 7.24% . Unchanged in the past 7 or 60 days. Recreational loans range from 5.49% to 8.24% , also showing no change over the same periods.

Oneaz's auto loan rates range from 4.95% to 5.15% APR today, with no change from 7, 30, or 60 days ago. The rates have remained steady over this period. University's auto loan rates range from 4.49% to 8.49% APR and have not changed in the past 7 or 30 days. Motorcycle loan rates are between 10.74% and 12.49% APR, which is down from 7 and 30 days ago. Farmers Insurance's auto loans with APRs ranging from 4.99% to 7.49% , which have stayed the same over the past 7 and 30 days. Recreational loans have rates between 6.99% and 9.49% , also showing no change in the last 7 and 30 days. Both loan types had lower maximum rates 60 days ago.

Digital's vehicle loans with rates ranging from 4.99% to 10.74% APR for auto loans and 6.25% to 11.35% APR for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady at 8.99% to 11.35% APR. Mountain America's auto loans range from 4.99% to 5.24% , with no change in rates over the past 7 and 30 days. Recreational vehicle loans are priced between 7.24% and 7.49% APR, also showing no change from a week or a month ago.

First Technology's auto loans with APRs ranging from 4.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , showing no change over the past 90 days. Recreational loans range from 7.29% to 8.54% , also with no change in recent months. Nuvision's auto loan rates range from 4.89% to 10.34% APR with no change over the past 7 and 30 days. Motorcycle loans have rates between 6.49% and 15.69% APR, also showing no change. Recreational loan rates are from 5.99% to 18% APR, which is down from 7.99% to 18% thirty days ago.

Affinity's auto loan rates range from 4.94% to 7.55% APR today. These rates have stayed the same compared to 7 and 30 days ago, and they are down from 60 and 90 days ago.

🏦 Local Lenders in Phoenix, AZ

DESERT FINANCIAL CREDIT UNION — 3230 E BASELINE RD PHOENIX AZ 85042

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Maricopa County, AZ

✅TRUWEST CREDIT UNION

✅CREDIT UNION WEST CREDIT UNION

✅DESERT FINANCIAL CREDIT UNION

✅ARIZONA FINANCIAL CREDIT UNION

✅MARISOL FEDERAL CREDIT UNION

✅ONEAZ CREDIT UNION

✅COPPER STATE CREDIT UNION

✅BANNER FEDERAL CREDIT UNION

✅INTERFAITH FEDERAL CREDIT UNION

✅FIRST 68444 CREDIT UNION

✅UHAUL CREDIT UNION

✅ARIZONA CENTRAL CREDIT UNION

✅GLOBAL FEDERAL CREDIT UNION

✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION

✅SIERRA PACIFIC FEDERAL CREDIT UNION

✅NOTRE DAME FEDERAL CREDIT UNION

✅AERO FEDERAL CREDIT UNION

✅MOUNTAIN AMERICA FEDERAL CREDIT UNION

✅VANTAGE WEST CREDIT UNION

✅SOUTHWEST AIRLINES FEDERAL CREDIT UNION

✅AMERICAN AIRLINES FEDERAL CREDIT UNION

✅BLUE WATER FEDERAL CREDIT UNION

✅SAN DIEGO FIREFIGHTERS FEDERAL CREDIT UNION

✅CHICAGO AVENUE GARAGE FEDERAL CREDIT UNION

✅FLORIDA WEST COAST CREDIT UNION

✅ALHAMBRA CREDIT UNION

✅SUNWEST 2226 CREDIT UNION

✅AMERICA FIRST FEDERAL CREDIT UNION

✅EM FEDERAL CREDIT UNION

✅GREENWICH MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION

✅LANDINGS CREDIT UNION

✅MAYO EMPLOYEES FEDERAL CREDIT UNION

✅FARMERS INSURANCE FEDERAL CREDIT UNION

✅UNIFY FINANCIAL FEDERAL CREDIT UNION

✅NUVISION FEDERAL CREDIT UNION

✅NORTHROP GRUMMAN FEDERAL CREDIT UNION

✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION

✅TRUGROCER FEDERAL CREDIT UNION

Compare other loan types in Phoenix, AZ

Why compare Vehicle Loans in Phoenix, AZ on LendMesh

If you’re searching for the lowest vehicle loan rates in Phoenix, AZ, take your time comparing lenders on LendMesh. Exploring multiple options helps you uncover better deals and find the most affordable loan tailored to your needs. With LendMesh, you can confidently navigate offers from trusted banks and credit unions without feeling rushed, ensuring you get the best rate possible for your next car purchase.

Stay informed effortlessly by subscribing to LendMesh’s personalized alerts. Simply set your target rate—whether it’s 4% or 5%—and receive notifications the moment offers fall below that threshold. Choose weekly or monthly updates featuring expert insights, rate trends, and carefully selected loan deals. Join thousands of Phoenix borrowers who trust LendMesh to keep them ahead of the curve and ready to seize the best vehicle loan opportunities.

Customers are also interested in:

Lowest Vehicle Loan Rates