Auto Loans

Limited time offer!  Members are being offered reduced loan rates1 (as low as 1.99%APR*) and no payment for up to 90 days!2

Not already a member? Don't worry! You can still get pre-approved now!

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Get Pre-Approved

Let us get you into the driver's seat with great rates, friendly service and helpful online tools.

And, for a limited time, we are offering reduced loan rates for members1 and up to 90-days to first payment2.

Additional rate discounts may also be available through Central Points™ - our exclusive member rewards program.

So what are you waiting for?  Have the ride you want now while keeping more cash in your pocket!  We can even pre-approve you for your loan so you can shop with confidence and know exactly how much vehicle you can afford.  Or, use one of our convenient financial calculators to get a quick assessment.

Learn More

Contact Arizona Central Credit Union by calling (602) 264-6421 or toll free at (866) 264-6421 to learn more about our vehicle loan products, designed to meet your financial needs!

Apply Now

Get Pre-Approved

View Rates

Finding a Great Deal

  • Credit Union Advantage - Want to simplify your search? Use this online car buying program, created exclusively for credit union members, to research and locate your next new or used vehicle. If you prefer shopping in person, you can still get low Arizona Central financing right at the dealership. Just ask to speak to the Credit Union Advantage representative and be sure to request an Arizona Central Credit Union loan. Most dealers across Arizona participate in the program.
  • Enterprise Car Sales - Looking for a high-quality pre-owned vehicle? Choose from over 120 makes and models, all from the comfort of your home with Enterprise's convenient online locator system.

Protecting Your Vehicle

Let's face it, things happen. Expect the unexpected and sign up for one of our vehicle insurance options today!

  • TruStage Auto Insurance - Want to see how much you can save on reliable, affordable car insurance? You could save over $500 per year.3
  • GAP Policies - Worried you owe more on your car than it's worth? Check out our GAP insurance to see if it's right for you.
  • Mechanical Breakdown Protection - Has your factory warranty expired? Protect your vehicle against expensive repairs with Mechanical Breakdown Protection.
  • Debt Cancellation Protection - Safeguard your loan against unexpected income loss with our debt cancellation protection.
  • Roadside Assistance - Never get stranded again. A member exclusive option designed to give you peace of mind at a fraction of the cost of other programs.  

1From July 1, 2016 through September 30, 2016, Arizona Central is offering existing members only, an opportunity to qualify for a loan rate discount on their new or used auto or motorcycle loan, subject to credit approval.  Certain age restrictions on vehicles apply and not all vehicles are eligible for the interest rate reduction.  Additional interest rate reductions may be applied with qualifying Central PointsTM rewards.

290 days to first payment only valid on autos and motorcycle loans, not already financed with us. First payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Some restrictions apply. For a limited time – may be changed at any time. Offer excludes other loan products not limited to other motorsport vehicles, trailers, boats, recreational vehicles, personal loans/lines, credit cards and real estate.

3Average annual savings based on countrywide survey of new customers from 1/27/2014 to 1/16/2015 who reported their prior insurers' premiums when they switched to Liberty Mutual's Group auto and home program. Savings do not apply in MA.

*1.99% Financing. APR = Annual Percentage Rate. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of 8/1/2016. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change without notice. Estimated monthly payment example = $28.64 per $1,000 (payment example is based on 1.99% APR and a term of 36 months). Offer excludes all loans already financed at Arizona Central Credit Union.