Auto Loans For New And Used Vehicles

For more than 75 years, we’ve helped Arizona families finance safe, reliable vehicles for wherever the road takes them. Today, we make it easier to get behind the wheel sooner with:

Rates as low as 5.25% APR¹
1% Cash Back²
No payments for 60 days³
Instant pre-qualification¹

View Rates

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Rose, Member

Customers for nearly 3 decades and this loan service quality was no surprise to us. You're always this good. Thank you.

Beverly, Member

The same day I applied for the loan I was approved.

Carla, Member

Easy process, friendly staff, timely funding.

Jeffrey, Member

They gave us the personal attention that we just don't get anywhere else.

Lauren, Member

The entire process was handled professionally and efficiently from start to finish.

Auto Loan Benefits

Getting your new or pre-owned vehicle is easier than ever when you finance it with a local credit union you can trust. From fast pre-approval to low rates and manageable payments, Copper State Credit Union gives you more ways to get the car you need.

Instant Pre-Qualification

Apply online and get your auto loan pre-approval in as little as 5 minutes if you qualify.

Competitive Rates

With some of the best auto loan rates in Arizona, you can pay less on interest and keep your monthly payment manageable.

Make No Payments for 60 Days²

Skip payments for up to 60 days to give your budget some breathing room.

Flexible Terms

Choose a repayment term that works for your budget, with terms ranging from 60 to 84 months.

Copper State Templates (2)

Luxury-car-driving-into-sunset

Auto Loan Benefits

Financing with 1% cash back
Make no payments for 60 days.³
This offer applies for purchases and refinances from another institution

Auto Loan Rates

In addition to offering some of the best car loan rates in AZ, we also believe in transparent lending. While rates, terms and conditions are subject to change, this table provides a general overview of our lowest available auto loan rates by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

Auto Loan Rates by Credit Score

LTV	60 Month Term	72 Month Term	84* Month Term
≤90% LTV	5.25%	5.55%	6.00%
≤105% LTV	5.60%	5.90%	6.35%
≤120% LTV	5.85%	6.15%	6.60%

Rates are effective as of November 2, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	5.65%	5.95%	6.40%
≤105%	6.00%	6.30%	6.75%
≤120%	6.25%	6.55%	7.00%

Rates are effective as of November 2, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	6.25%	6.55%	7.00%
≤105%	6.60%	6.90%	7.35%
≤120%	6.85%	7.15%	7.60%

Rates are effective as of November 2, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	7.25%	7.65%	8.30%
≤105%	7.60%	8.00%	8.65%
≤120%	8.10%	8.50%	9.15%

Rates are effective as of November 2, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	8.75%	9.35%	10.30%
≤105%	9.15%	9.70%	10.65%

Rates are effective as of November 2, 2026

LTV	60 Month Term
≤90%	11.75%
≤105%	12.10%

Rates are effective as of November 2, 2026

More Info:

🚗 Rates shown are for vehicles 5 years old or newer. For vehicles older than 5 years, those with high mileage or those affected by other factors, rates will be higher.

⚖️ LTV is your Loan-to-Value Ratio, which compares the amount you're borrowing to the value of the collateral. The lower the better!

📅 Loan Term is the length of time you'll repay the loan, usually expressed in months.

📈 Credit Score is a number between 300 and 850 that reflects your ability to repay a loan. Find out more about credit score's five key factors, or log into online banking to check your current score.

Why Finance Your Car With Copper State CU?

Financing a car should be simple. With Copper State Credit Union, you can apply online, get a fast local loan decision and know what to expect throughout the process. Features include:

Competitive rates amongst the lowest in AZ
Flexible terms up to 84 months
Zero application fees
No prepayment penalties
Instant pre-qualification

You can also take advantage of these exclusive offers:

Financing¹with 1% cash back:³Get 1% of your new loan back into your pocket.
Make no payments for 60 days:² Give your budget some breathing room with up to 60 days before your first payment.

Purchase or Refinance (2)

Tod Hale

Introducing Tod Hale, Auto Consultant

A Simpler Way To Buy, Sell Or Trade

Shopping for a safe, reliable vehicle can take time. Tod provides a free service to members who want to buy, sell or trade in a vehicle to make the process easier from start to finish.

He has access to all dealerships and private sellers, which means he can secure the best deal on your next car, whether you prefer new, used, or certified pre-owned (CPO).

Tod can help narrow down your search based on what matters to you. When you’re ready for a test drive, he’ll bring the vehicle directly to you. And once you find your perfect ride, he'll deliver it right to your doorstep!

Skip the haggling and hours spent at the dealership. Let Tod make your next car-buying experience easier.

Contact Our Auto Consultant

Auto Loan Calculator

See how much you can afford. Try a few different rates and terms to see what works for your budget and email them to yourself so you have them for reference.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Apply For Your Car Loan In 3 Easy Steps

Apply In Minutes

Apply online, at a branch or call us at 602.375.7302 to get started.
Get Pre-Qualified

If you qualify, you can get pre-qualified in as little as 5 minutes and see how much you may be able to finance.
Start Shopping

Shop for your new, used or certified pre-owned vehicle with a clearer idea of what you can afford.

Son and father looking at trees

Repairing a broken down car

Prepare For The Unexpected

Mechanical Repair Coverage

Vehicle repairs usually happen out of the blue and the costs can be expensive.

Mechanical Repair Coverage (MRC)⁴ helps protect drivers from unexpected vehicle repair costs. It cover repairs made by a mechanic for things like engine, transmission and electrical system failures.

For more information regarding MRC, please contact our Lending Sales Team or click here to watch a short video.

Lending Sales Team | 602.375.7302

Proof of Insurance

Vehicle Loan Insurance Requirements

Vehicle insurance is not only a smart way to protect you in the event of an accident, it's required when you have a loan (or lien) on your vehicle.

Copper State Credit Union must be listed as the lienholder/loss payee on your policy. The address you should use on the policy is:

Copper State Credit Union / Insurance Tracking Center
PO Box 692405
San Antonio, TX 78269-2405

Your insurance policy must include:

Evidence of having comprehensive and collision coverage on your vehicle
Your deductible must not exceed $1,000
The collateral description on the policy must match the collateral on the loan document

You must provide us with the policy number, policy period, and insurance company name.

You can fax an updated declaration pages to 1.877.831.1176 or submit them online.

Answers To Some Frequently Asked Questions

Is it best to get a car loan through a credit union?: A credit union can be a great place to finance a vehicle because credit unions may offer lower rates, fewer fees and more personalized service than other lenders. At Copper State Credit Union, you also get local decision-making, transparent loan terms and some of the best credit union used car loan rates in Arizona. The best lender for you will ultimately depend on the interest rate, loan term, fees and service you receive.

Can I apply for an Auto Loan if I have not found the car I want yet?: Yes! We recommend applying for a loan before you start shopping, so you know exactly how much you are approved for before heading to the dealership.

Is it a good idea to get preapproved for a car loan?: Yes. A credit union car loan pre-approval or pre-qualification can give you a clearer idea of how much you may be able to borrow before you start shopping, making it easier to stay within your budget and compare vehicles. At Copper State CU, qualifying applicants can get pre-qualified online in as little as 5 minutes. All loans are subject to credit approval.

Which credit union has the best car loan rates?: The best car loan rate depends on factors such as your credit history, loan term, vehicle and amount financed. Copper State Credit Union offers some of the best car loan rates in Arizona for new and used vehicles, but it’s smart to compare the annual percentage rate (APR), loan terms and fees from several lenders before deciding.

How much will my car loan payment be?: Your monthly payment will depend on the amount you borrow, your interest rate and the length of your loan term. Use our auto loan calculator to estimate your monthly payment and see how different loan amounts, rates and terms could affect your budget.

Do you have any car buying services available?: Yes! We have partnered with AutoSmart to allow members to search, shop and finance through Copper State Credit Union for a quicker, stress-free car buying experience.

How can I make my loan payment?

You can make fast loan payments online to Copper State Credit Union with a checking or savings account from another financial institution.

Give us a call at 623.580.6000 or 800.224.3330 to make your loan payment over the phone.

To make a loan payment by mail instead of online or over the phone, please use the address below:

Copper State Credit Union

15458 N. 28th Avenue

Phoenix, AZ 85053

Do you have different rates for new and used vehicles?: No, the rate is the same for both new and used vehicles.

How do I add a bank account from another institution?

First, make sure you're enrolled in Online Banking! Then, download our mobile app.

If logging in from a computer:

1. Once logged in, hover over the Transfer tab then click +External account.

2. Choose how you wish to receive the verification code.

3. Verify the verification code you received.

4. Add your external account.

On our mobile app:

1. Once logged in, click the 3 lines in the top left corner and select Transfers.

2. Click on the section that reads "Transfer to other institutions by adding an external transfer account".

3. Click + Add external account.

4. Verify the verification code you received.

4. Add your external account.

Once submitted, the verification process will begin. To verify the account, we send two small deposits which take approximately 2-3 business days to arrive. Once you receive the trial deposits, you need to log back in to your Copper State CU online banking, click confirm on the pending account and enter in the deposit amounts. After this is confirmed, you'll be able to transfer to and from your external accounts.

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Best and Worst Times for Car Buying
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Disclosure

¹All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required. APR = Annual Percentage Rate.

For a 72 month term, the amount financed must equal or exceed $15,000. For an 84 month term, the amount financed must equal or exceed $25,000. Refinanced auto loans must be from another financial institution. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

²60 Day No Payments offer subject to change without notice.

³The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2026. Restrictions may apply. Offer subject to change without notice.