Arizona Auto Loans: New & Used

Have the need for speed? 
With low rates, $2002 cash back  and Up to 90 Days No Pay1 we'll get you moving!
PLUS for a limited time when you fund your auto loan with us you will be entered to win a $1,000 gas card!3
And thats not all! For a limited time, our friends at Enterprise Car Sales will appraise your vehicle using Kelley Blue Book Trade-In value and add $10004 when you purchase with them. 
Already have a loan with someone else? Good news! Refinance your loan today, and this offer also applies to you!

AND WITH OUR LOW RATES what are you waiting for?!?

Get ready to hit the open road!

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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.

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

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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.4
  • 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.  

190 days to first payment is subject to credit approval and only valid on autos and motorcycle loans not already financed with Arizona Central Credit Union. First payment may be deferred for up to 90 days, however, your loan will still 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.

2Member may qualify for a $200 bonus from Arizona Central Credit Union (ACCU) by mentioning this promotion and by signing and receiving funding for an auto loan that is not already financed with ACCU. The offer applies to a new auto loan for the purchase or refinance of an auto that is $15,000 or greater, not currently financed with ACCU. This offer may be withdrawn at any time and rates are subject to change. Based on approved credit, terms and conditions. The $200 bonus will be deposited into the Member Share Account as follows: $100 upon loan funding. A second deposit of $100 will be deposited after 6 months of consecutive payments provided the loan is in good standing. The $200 bonus is considered interest and will be reported on the appropriate tax form. Loan must be applied for and funded by December 31, 2019.

3To be eligible for entry, the member must have an auto loan funded by Arizona Central Credit Union on or between January 1, 2019 – February 28, 2019. The entire new auto loan must be new money not already financed with Arizona Central Credit Union. Random drawing will take place on or about March 8, 2019. One winner of this drawing will receive one gas card or multiple gas cards that are equal to the amount of $1,000. The winner selected must be in good-standing with Arizona Central and current on their loan. 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. See Official Rules for additional details.

4Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2018 Kelley Blue Book Co.'s website Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In Value is not available for customer's vehicle, Enterprise will provide a fair & competitive value for customer's vehicle. Additional trade-in value of $1000 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid 2/01/2019–2/28/19. No cash advances. Offer cannot be combined. Not valid on previous purchases.