Shift Into Gear
With some of the best auto loan rates in the state and flexible terms, we make it easy to finance your next vehicle.
Rates as low as
Rates as low as
Rates as low as
Why Choose OneAZ?
Drive now, pay later:
No payment on your auto loan for 90 days!3
Low Rates:
Among the best used auto loan rates in AZ
Quick & Easy:
Get approved in just minutes for loan amounts up to $100,000
No Prepayment Penalties:
Pay off your loan anytime without extra costs
Purchase Your Car from Anywhere
No limits. No hassle. Just flexible financing that moves with you.
Dealerships
Buy a new or used vehicle from any licensed dealership — whether it’s a big-name brand like Toyota or Mercedes, or an independent dealer.
Refinance
Refinance your existing auto loan to lower your interest rate, reduce your monthly payment, or change your loan term.
Refinance
Tap into the equity of your current vehicle by refinancing and receiving cash back — whether you own it outright or have an existing loan.
Purchase
Buy a car directly from friends, family, or through marketplaces like Facebook or Craigslist.
Buyout
Love your leased vehicle? We make it easy for you to purchase it at the end of your lease.
Refinance Your Car Loan & Save
Lower your rate. Reduce your payment. Keep more money in your pocket.
If your current auto loan has a higher interest rate, it might be time to refinance. With OneAZ, you can:
- Take advantage of low rates
- Reduce your monthly payment
- Pay off your loan faster
Apply Anytime
We're here for you 24/7. Apply by phone after hours and on weekends.
Click
Apply online today!
Call
Speak with an experienced loan officer 24/7.
Visit
Finance your loan at one of our local branches.
Car Loan Payoff Calculator
See how long it will take to pay off your auto loan with our Car Loan Payoff Calculator.
Whether it's a Model 3, Model X or Model S - we've got you covered
Calculator
Estimate your auto loan monthly payment with our online calculator.
Auto Resources Guide
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
How to Finance a Used Car: 6 Steps Everyone Should Know Before They Buy
Follow these six steps to make sure you get the lowest rates, best terms, and best customer service when financing your next used car purchase.
Keep ReadingRev Up Your Car Budget
Budgeting for a car means putting a plan in place and considering all the factors so you buy or lease something you will love and fits your budget.
Keep Reading5 Ways to Save with an Auto Loan Refi
When you refinance your car loan, you pay off your old loan with a fresh loan from a new lender. Here are 5 ways to save with an auto loan refinance!
Keep Reading
Do it all with the
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Rates as of July 1, 2025.
1 APR = Annual Percentage Rate. New Auto Loans are 2024 and newer vehicles, in which the equitable or legal title has not been transferred to an ultimate purchaser. Term of up to 48 months; with an APR of 4.94 % and estimated monthly payment of $23.00 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.14 % and estimated monthly payment of $18.94 per $1,000.00 borrowed. Other finance options available. Taxes and fees are not included. The rate may vary depending on each individuals’ credit qualifications, loan term and collateral. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account. Visit our Checking page for more information. Membership qualifications apply. For membership eligibility, visit our Membership page.
1 APR = Annual Percentage Rate. Used vehicles must be 15 years old or less to qualify for a loan. Term of up to 48 months; with an APR of 5.14 % and estimated monthly payment of $23.09 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.34 % and estimated monthly payment of $19.03 per $1,000.00 borrowed. Other finance options available. Taxes and fees are not included. The rate may vary depending on each individuals’ credit qualifications, loan term and collateral. Other terms and conditions may apply. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account. Visit our Checking page for more information. Membership qualifications apply. For membership eligibility, visit our Membership page.
1 90 Days No Payment option will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. This offer does not apply to refinancing existing OneAZ loans, Credit Flex, or Indirect loans.
