Auto Loans to get you on the road
Features You’ll Love
With a simple online application, flexible terms, and support every step of the way, the SunWest auto loan process puts you in the driver’s seat.
Low, competitive rates
Flexible terms with monthly payments that fit your budget
Loans for both used and new vehicles
Protection options available (GAP, extended warranty, debt protection, & depreciation protection)
No surprises on fees
No pre-payment penalties
Pay more when you want + save on interest
We estimate + disclose costs upfront for dealer and private purchases
Check our competitive auto loan rates and calculate your estimated payments so you know what to expect before you buy.
What do I need to apply for an auto loan?
For pre-approval, we’ll review your credit, income, and housing costs.
Once you’ve chosen a vehicle, we’ll need details like the VIN, mileage, year, make and model, plus your insurance information. We’ll let you know if anything else is needed before closing.
How long is my approval good for?
Auto loan approvals are valid for 60 days at the approved terms. If rates drop before closing, we’ll honor the lower rate. After 60 days, we may need to pull credit again to requalify.
What factors affect my interest rate?
Your rate is based on the vehicle (year), loan term, credit score, and credit history.
What is the minimum loan amount?
Minimum loan amounts vary by term and typically increase with longer terms. Contact us for details.
Do you offer loans for commercial vehicles?
No, we don’t offer commercial vehicle loans. The vehicle must be titled and registered in the buyer’s name to qualify.
Do you offer auto loans for first-time buyers?
Yes! Approvals are based on your overall profile. First-time buyers may need a down payment or a qualified co-borrower.
Do you process the title and registration?
For dealer purchases, the dealer handles title and registration.
For private sales, we handle it for you and provide a 90-day temporary permit while your permanent registration is processed.
Do you offer a car buying service?
We don’t act as a car buying service, but we do have a list of preferred dealers our members trust. We’re also happy to answer questions and help simplify the process.
*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.
See a representative for complete details, qualifications, and disclosures.
You did the research. You negotiated the deal. Now finish strong.
As a SunWest member, you have access to discounts on comprehensive auto coverage options that are often at a lower cost than what you’d find at the dealership.
