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New Auto - rates as low as 5.89% APR1 for 48 months
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New Auto - rates as low as 6.09% APR1 for 60 months
No payment for the first 90 days of your loan2
Refinancing your car loan: Easy as 1, 2, 3.
Step 1
Apply in 5 minutes or less.
Getting pre-qualified is easy and free. Your savings journey starts by sharing a few details about yourself and your car.
Apply online in as little as five minutes or call our virtual team
Step 2
Lock in your rate.
Once you're pre-approved, we'll walk you through the steps to complete your credit check and get you the best rate and term.
It's important to lock-in your auto rate as rates can rise at any time. Make sure to have proof of insurance on hand for this step.
Step 3
You're ready to go!
After you're pre-approved, we take care of loose ends with your current loan. You can schedule your first payment up to 90 days after closing.
Get busy planning another adventure with your savings.
Instant Offers
Get personalized offers for auto, credit card, and personal loans without impacting your credit score.
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
Love your ride but not your payment? Refinance your car loan with OneAZ to lower your monthly payment today.
As a OneAZ member, you will also take advantage of these great perks:
- Competitive auto loan rates
- Pay online from any bank
- No penalty for paying early
- Flexible payment options and terms
- Apply and close your loan online
- Extended warranties and GAP products
- Free CARFAX report upon request with application submission
Car Refinancing FAQs
- Get your Instant Offer: Refinancing your car loan involves completing an application or getting an instant offer to see your terms. You can complete this quick application online, over the phone, or in person.
- Complete an application: Once you evaluate your terms and continue your application, you will be asked to provide your information for a credit application and necessary supporting documents.
- Finalize: Once your application is approved, OneAZ will take care of paying off our old car loan and setting up your new payment agreement for your new loan.
- Insurance Information
- Loan pay out information
- Pay off balance
- Proof of income (if required)
Refinancing your auto loan can be beneficial for many reasons. It can:
- Lower Interest Rates: If interest rates have dropped since you originally financed your car, refinancing could lower your monthly payments and the total interest paid over the life of the loan.
- Lower Monthly Payments: Refinancing can extend the term of your loan, reducing your monthly payment amounts, which can help improve your monthly cash flow.
- Shorter Loan Term: Conversely, if you can afford higher monthly payments, refinancing to a shorter term can help you pay off your loan faster and save on interest.
- Improved Credit Score: If your credit score has improved since you took out the original loan, you might qualify for better terms and a lower interest rate.
- Switch Lenders: You might want to refinance if you are unhappy with your current lender’s customer service or policies.
- Remove or Add a Co-signer: Refinancing gives you the opportunity to remove a co-signer from your loan or add one if your financial situation has changed.
Title, registration, and other fees.
When all required information is received, the process can be quick and easy! Often only taking a few minutes to get results.
Already Submitted an Application?
You can click the link below to check the status of your application.
Do it all with the OneAZ Mobile Banking app.
Deposit checks
Transfer funds
Pay your bills
Chat with an associate
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All loans subject to credit approval. APR = Annual Percentage Rate.
Rates as of July 1, 2024.
1 APR = Annual Percentage Rate. New Auto Loans are 2023 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 5.89% and estimated monthly payment of $23.40 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 6.09% and estimated monthly payment of $19.34 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.
2 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.
3 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 6.09% and estimated monthly payment of $23.49 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 6.29% and estimated monthly payment of $19.43 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.
