Vehicle Loans & Refinancing Options

With our low rates, fast approvals and up to 90 days no pay1, we’ll get you moving!

Deep Roots, Strong Community:

Vehicle Loans & Refinancing Options

Auto Loans

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

Refinance Your Ride

If you’re financing your vehicle through another bank or lender, we may be able to give you a lower interest rate and save you money on your monthly auto loan payment.

RV & Boat Loans

Check out our financing options for new and used recreational vehicles.

Motorcycle Loans

The pull of the bike of your dreams is strong! Our deals will get your rubber on the road!

ATV Loans

With low rates and Up to 90 Days No Pay, Arizona Central can get you and your favorite toys on the trail!

Preferred Dealers

With low rates, fast approvals and up to 90 days no pay, there has never been a better time to buy!

Vehicle Loans FAQs

The 20 4 10 rule is a principle developed by financial experts stating that you should make a 20% down payment on a car, with a car loan period of no more than 4 years, while keeping transportation costs less than 10% of your monthly income.

Learn more about the 20/4/10 Rule for smart car buying.

Vehicle loans are designed to help make purchasing a vehicle more affordable and then paying it back over time.

Some loans we offer include Auto, RV & boat, ATV, and Motorcycle loans.

1. 90 days to first payment is subject to credit approval and only valid on auto loans, ATV loans, motorsport vehicle loans, or 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 personal loans/lines, credit cards and real estate.

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