Drive Away with a Better Rate
auto loans in arizona with low credit union rates.
Buying a car or truck should feel exciting, not stressful. With Vantage West, you get low credit union rates – renowned as market competitive. Plus, local loan specialists who make it easy to fund the vehicle that fits your life and budget.
New Auto Loans for Cars and Trucks
Annual Percentage Rate (APR)
New & Used Auto Loans: As low as 5.80% fixed APR*
Why a new auto loan is a smart choice
- Save on financing. Credit union rates are typically lower, which can mean a smaller payment and less interest over time.
- Finance up to 100% of your purchase. Eligible loans may cover the vehicle plus taxes, license fees, warranties, and security systems.
- Budget-friendly, fixed payments. A fixed APR keeps your monthly payment predictable.
- Fast approvals with local support. Work with a specialist who helps you choose terms that fit your goals.
- Automatic access to full Vantage West membership benefits: better rates, local support, and Arizona-grown service.
Motorcycle Loans with Vantage West
- Affordable way to ride. Competitive credit union rates can lower your total cost versus dealer offers.
- Finance up to 100% of value. Eligible loans may cover new or used motorcycles.
- Keep your cash available. Spread cost over time instead of paying all at once.
In short: Get the bike you want with a payment that keeps your budget steady.
Motorcycle Loans
Motorcycle loans are priced separately from auto loans, with rates that reflect the vehicle type and term.
Annual Percentage Rate (APR)
Motorcycle loans start at 8.00% fixed APR*
RV and Recreational Vehicle Loans
Annual Percentage Rate (APR)
RV and recreational vehicle loans are available with rates as low as 8.25% APR (based on vehicle type and credit).
Why a new auto loan is a smart choice
- Save on financing. Credit union rates are typically lower, which can mean a smaller payment and less interest over time.
- Finance up to 100% of your purchase. Eligible loans may cover the vehicle plus taxes, license fees, warranties, and security systems.
- Budget-friendly, fixed payments. A fixed APR keeps your monthly payment predictable.
- Fast approvals with local support. Work with a specialist who helps you choose terms that fit your goals.
- Automatic access to full Vantage West membership benefits: better rates, local support, and Arizona-grown service.
Find & protect
Supporting YOUR RIDE
“With the right loan, you don’t just drive off the lot, you drive off with financial breathing room.”
AutoSMART Auto Search
Browse over 1.6 million vehicles with a powerful search tool.
Compare prices, features, ratings, and local dealerships in one place.
Why it matters: Finding your next car just got easier. Search a massive database of vehicles, compare options, and shop with confidence—all before stepping onto a lot.
Required and Optional Coverages
Required insurance keeps you protected on the road, while optional coverages can help guard against unexpected costs.
Options like GAP and repair coverage may reduce financial stress if your vehicle is totaled or needs major work.
Why it matters: Protect your ride and your finances with coverage that helps you plan for the “just in case.”
Start Early, Pre-Qualify
A quick pre-qualification with a Vantage West loan specialist helps you understand your budget, your options, and your next steps before you ever step on a lot.
Ready to shop with confidence? Start here.
- Know your price range upfront. Get a clear picture of what you can comfortably afford, including estimated payments.
- Strengthen your negotiating power. Walking in with financing already lined up helps you focus on the vehicle, not the rate.
- Save time at the dealership. Skip last-minute paperwork and avoid getting pushed into financing that doesn’t fit your goals.
- Compare dealer offers confidently. You’ll have a trusted baseline rate to measure against what the dealer presents.
- Lock in a plan that fits your life. A specialist can help you choose terms that match your budget, timeline, and priorities.
- Wanting a second look at current investments or long-term strategies
- Get answers early. Ask questions about rates, refinancing, insurance options, and the full cost of ownership before decisions get rushed.
Learn More in our Knowledge Center
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Disclosures
*Rates accurate as of 12/12/2025. Rates are variable and subject to change.
Payment example: A loan of $25,000 for 60 months at 6.85% APR will have a monthly payment of $493.26
All loans subject to approval. Minimum loan amount is $5,000.00. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. All rates, programs, restrictions, terms and conditions are subject to change without notice. Certain restrictions may apply. Membership required.
For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.