sunwest credit union auto loans

Whether you're buying or refinancing, an auto loan from SunWest Federal Credit Union in Arizona will help get you on the road in no time.

dad and daughter back of car
two women in car

take the

two women in car

A vehicle purchase is often one of the more expensive purchases a person will make, so it’s not one to be taken lightly. That doesn’t mean it has to be the nightmare experience many have come to associate with car buying. SunWest puts you in the driver's seat and makes the process effortless from application to purchase. Not everyone is a car buying expert, but we can help you get there.

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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. Our pro tip? Hype yourself up. Think of it like dating, except you’re the only one that needs to be impressed. Let’s take a look at that process:


get pre-approved

A pre-approval gives you the power of a “cash buyer.” This sends the message to the dealer that you aren’t there for a car loan or to make a deal on financing, and it helps you focus negotiations to purchase price. Ready to go shopping? View our competitive auto loan rates and get pre-approved for a SunWest Credit Union auto loan today so you can determine the budget that’s right for you.


Discover your options

Once your auto loan funding is approved, it’s time to test drive and get your fill of new car smell... or, new to you, car smell. Scroll through your options online, read those bios and schedule your date. Prepare questions that are most important to you like safety, fuel efficiency, and price. Ultimately, the best way to buy a car comes down to doing your research. If you need a little help getting started, browse CUDL AutoSMART to point you in the right direction or work the numbers with our auto loan calculator.


scout the perfect location

When you feel like you’ve found the right fit, ask the dealer or seller for their digits and tell them you’ll call them soon. Figure out which cars work best for you, research fair purchase amounts, get your pre-approval and walk into that dealership like you’re ready to own the place.


leave it to sunwest

Our Indirect Lending team takes it from here. We’ll break down exactly what’s needed to start the loan process, go over your financing options and competitive rates so you get the low monthly payment that works for you, and get you riding off into the sunset for your happily ever after. Or at least until the next car purchase.

Benefits of an Auto Loan with SunWest:

types of vehicle loans

Ready to cruise the open road on your hog, tear up those Arizona sand dunes, make some wake on Lake Pleasant, or road trip America in comfort? We got you! Whether a new or used car loan, or something more recreational, SunWest offers a variety of low rates on loans for many vehicles. Remember to send us a post card or bring your local branch some fish fry.  

auto loans

Includes: Everyday driver automobiles like Sedans, Trucks + SUVs

motorcycle + utv loans

Includes: Motorcycle, Scooter, Side x Side, Spider, Slingshot, + Dirt Bike

recreational vehicle loans

Includes: Motorhome, 5th Wheel, Travel Trailer, Toy Haulers, Cab-Over Camper, + Pop-Up Camper

watercraft + atv loans

Includes: Boat, Wave Runner, Sea-Doo, Jet Ski, Quad, + Other ATVs

woman smiles at baby while securing carseat seat belt

protect what's yours

woman smiles at baby while securing carseat seat belt

You put in the research, the test drives, the negotiating, and you played it smart when financing your vehicle loan. Now it’s time to protect the vehicle you worked so hard to get at a price you could afford. Luckily, as your trusted sidekick, SunWest Credit Union knows a thing or two about protecting what’s yours. We offer discounts on auto insurance coverages like Guaranteed Asset Protection, Extended Warranties, and Debt Protection. Purchasing these products through a dealer, or even your insurance company, can end up costing you more than you bargained for and leave you with a higher monthly payment. Plus, coverage through our products may be more comprehensive than insurance offered elsewhere. We quote every eligible vehicle we finance and review those quotes with you to make sure you have all the important information you need to make the best decision.

In other words, we just want to see you ride off into the sunset without a care in the world because you deserve that level of peace.

refi + save

Trust us when we say we’ve all felt stuck in a one-way relationship with auto loans at some point along our financial journey. You aren’t alone in thinking that the decisions you made at the time of purchase were right for you. Plenty of people get stuck in a cycle of bad auto loans that started when they were young and had no credit, or when they stumbled and had a low credit score, or even bad credit. They get pressured into a deal with a high interest rate, and the added taxes and fees start the loan off with negative equity (owing more than the vehicle is worth). That’s a hard wheel to jump off, but you can break the cycle when you refinance your auto loan from another lender with SunWest Federal Credit Union.

If your auto loan isn’t working for your financial needs, change it up! Refinance your auto loan and never settle for an auto loan or payment schedule that doesn’t work for where you are in life right now.

There are some misconceptions about auto loans and refinancing, so let’s clear this up:

consider refinancing your auto loan if...

the amount owed on your statement makes you want to jump into the nearest body of water. Please don’t do that. We have great rates so call us instead.

When you look at your auto loan statement each month, the amount you’re paying in interest should be steadily decreasing. If it’s not, now is a good time for a change. Refinancing a vehicle is NOT like refinancing a home. Vehicle refinances are typically quick and painless transactions with a very low title transfer fee. Once you’ve been approved, it’s just a matter of collecting documents (most of which are accessible online within minutes) and sending out a check.

Sunwest auto loan refinance features:

low monthly payments

room to breathe

refi for a reason

how do I refinance my auto loan?

Apply today and we’ll work together to lower your current interest rate, adjust your payment schedule, shorten your term to help you pay your loan off earlier, and save you some major cash on your existing auto loan from another lender.

*APR = Annual Percentage Rate. Subject to approval and may vary based on multiple factors such as payment method, and credit worthiness. Certain terms, restrictions, and conditions apply. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. This credit union is federally insured by the National Credit Union Administration. SunWest reserves the right to modify or discontinue any offers that may be listed on this page at any time.