Arizona Central Credit Union
Apply for your Arizona Car Loan

Auto Loans

Arizona Central makes buying your next new or used vehicle easy with friendly service and helpful online tools. We'll help put you in the driver's seat in no time at all! Ask about rate discounts available when you use your Central Points, our exclusive member rewards program.

Step 1: Auto Loan Pre-Approval

Shop with confidence by getting pre-approved for your loan so you will know exactly how much you can spend. Apply online now for your auto loan. 

Step 2: Finding a Great Deal

  • AutoSMART – Use this online car buying program, created exclusively for credit union members, to research and locate your next new or used vehicle.
  • Credit Union Advantage – 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. 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.

Step 3: Protecting Your Vehicle

Other Resources

As your local hometown lender, we've been serving families like yours since 1939, with more than 60,000 members across Arizona, including Phoenix, Scottsdale, Tucson, Glendale, Chandler, Tempe, Flagstaff and Show Low.

  • Branch
  • Online
  • By Phone

How Do I Get Started?

Stop by any one of our branch locations to complete a loan application. Income verification may be required. If you're applying with a co-borrower, he/she will need to sign the application as well.

How Do I Get Started?

If you prefer to apply from the privacy and convenience of your home or office, complete our Online Loan Application. In many cases we are able to provide an instant decision.

How Do I Get Started?

Apply by phone 24 hours a day, seven days a week, 365 days a year. Call (602) 264-6421 or toll free 1-866-264-6421.


Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

Local First Arizona NCUA Equal Housing Lender