auto loans

SunWest Credit Union gives you the Arizona auto loan that puts you in the driver's seat and makes the auto buying process effortless from application to purchase. You’ll be on the road in no time.

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features you can appreciate

DIRECT DEPOSIT
overdraft protection
mobile banking
zelle + mobile wallet

auto loans that won’t cause you a breakdown

A vehicle is a major expense, so it’s not one to be taken lightly, but it doesn’t have to be the nightmare experience many have come to associate with car buying. SunWest will be your shotgun rider with financing that’ll have you cruising in style.

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competitive rates

With low auto loan rates, SunWest gives you more room in purchase price.

flexible terms

Monthly payments that fit your budget, so you get the best car + loan for you.

new + used

Get it fresh from the factory or save cash on a used vehicle.

pre-pay any day

Zero prepayment penalties. Pay more whenever you want + save on interest.

$0 application fee

Zero prepayment penalties. Pay more whenever you want + save on interest.

sunwest protects

We offer deals on GAP, Extended Warranty + Debt Protection to fully protect your purchase.

new + used

Already bought the vehicle, but want to break up with your current auto lender?

transparency is key

Whether you’re purchasing from a dealer or a private party, we’ll estimate + disclose any applicable fees before the deal is done.

crunch some numbers

Below is a preview of our current lowest term, rate, and monthly payment per $1,000 borrowed. Your actual rate will be based on your credit score, monthly term and model year. To see all rates and terms, visit our rates page.

new + used vehicles (2020 + newer)

36-month term
APR* as low as 5.62%
$30.35 per $1,000

Example: If you finance a vehicle for $20k, you would have a monthly payment of $605.00.

used vehicles (2019 + older)

36-month term
APR as low as 6.08%
$30.46 per $1,000

Example: If you finance a vehicle for $10k, you would have a monthly payment of $304.60.

buying a new or used vehicle

You’ve done the research and you know what you want, but you aren’t sure where to start. There can be a lot of moving pieces when buying a vehicle, but we’re here every mile with car-buying pro-tips to get you started.

1

get preapproved

This tells the dealer that you can’t be wheeled and dealed on sketchy financing, and it helps you focus negotiations on the purchase price.

Ready to go shopping?
View our competitive auto loan rates + get preapproved.

Rates1.800.533.4133Apply Online
2

research your options

Test drive any vehicle you’re thinking of buying, and ask questions about any features, fuel efficiency, and price. There’s no such thing as asking too many questions.

Need help getting started?
Browse CUDL AutoSMART to point you in the right direction or work the numbers with our auto loan calculator.

cudl autosmartCalculator
3

make your decision

Compare all your research, look at fair purchase amounts, and then decide on the vehicle for you and contact the dealer.

Need help getting started?
Browse CUDL AutoSMART to point you in the right direction or work the numbers with our auto loan calculator.

OUR PREFERRED DEALERS
4

close the deal

Dealer Purchase: Close your loan at SunWest + take a check to the dealer OR have our Indirect Lending team process your loan while you’re at the dealership.

Private Party Purchase: Set an appointment at one of our branches the seller will meet you with the vehicle. We’ll do a quick inspection to verify the VIN + mileage and have the seller sign any applicable forms.

1.800.533.4133Apply Online

protect what's yours

You put in the research, did the negotiating, and are ready to close the deal. Now it’s time to protect your investment. As a SunWest Credit Union member, you have access to discounts on comprehensive auto coverages that could end up costing nearly double or more at the dealership.

what is considered a recreational loan?

At SunWest, a recreational loan can be used to finance any vehicle that is designed for recreational use. While the term “recreational vehicle” is most commonly used for motorhomes or travel trailers, it can be used in a broader sense to include boats, motorcycles, UTVs, ATVs, and more.

can i finance a vehicle with a salvaged or branded title?

SunWest does not offer financing on vehicles with a salvaged or branded title.

do you offer gap for recreational vehicle loans?

Yep! SunWest offers GAP coverage on eligible recreational vehicles. As a vehicle depreciates, you may owe more on your loan than the value of the vehicle, and GAP insurance helps prevent you from paying out of pocket in a total loss situation such as theft or irreparable damage. See more about GAP coverage here. [link to GAP Page]

what are the minimum and maximum loan amounts for a recreational vehicle?

Loan amount limits are determined on a case-by-case basis. Some loan terms do have a minimum amount. See below for more on the minimum loan amount based on term length.

RV

72-month must reach a minimum financed amount of $10k
84-month must reach a minimum financed amount of $15k
120-month must reach a minimum financed amount of $25k

WATERCRAFT + ATV

72-month must reach a minimum financed amount of $10k
84-month must reach a minimum financed amount of $15k
120-month must reach a minimum financed amount of $25k

MOTORCYCLE + UTV

72-month must reach a minimum financed amount of $12k
84-month must reach a minimum financed amount of $15k

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