Business Auto Loan features

It takes a lot to run a successful business. When it comes time to deliver, you need to be sure you make it happen. You can rely on Copper State Credit Union for a fast and affordable Business Auto Loan.

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Competitive rates.
Our low Business Auto Loan rates offer you an affordable monthly payment.1
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Flexible terms.
Fixed rate Business Auto Loans offer terms that will fit your business' needs.2
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New and Used Vehicles.
We offer financing on both new and used business vehicles. 1
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Refinancing available.
Our great low interest rates are perfect for refinancing existing Business Auto Loans.
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Get pre-approved!
Save some negotiation hassle and get pre-approved before heading to the dealership!

Business Auto Loans keep you moving.

  • Purchase your first vehicle.

    If you are just starting out, have confidence that Copper State CU supports your business by offering Business Auto Loans for both new and used vehicles.

  • Purchase the equipment you need to be successful.

    Financing your machinery, tools or equipment with our C&I Equipment Loan through Copper State Credit Union will assure you great rates and local service.

  • Flexible credit whenever and wherever you need it.

    Starting a business can come with many twists and turns. That's why having money available at a moment's notice is crucial. With a Business Line of Credit you can do just that.

  • Refinance and save.

    Bringing your existing Business Auto Loan over to Copper State CU could pay off! Check out our Auto Loan Refinance Calculator to see your potential savings.

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Equipment Loans
Copper State Credit Union offers business loans for equipment purchasing. Costs add up quickly, especially when it comes to machinery. We offer repayment terms for up to 60 months with an 80% down payment. We are proud to be your financial partner every step of the way. 
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Required Documentation

Business Account Opening Documentation

Businesses Will Need To Provide
  • Valid government issued photo identification and Social Security numbers for all individuals that will be authorized to transact business on the account.
  • An Employer Identification Number (EIN) or tax ID number that is registered to your business. Sole Proprietorships may choose to use the owner's Social Security number.
Sole Proprietorship or Partnership

Sole Proprietorship

  • Registration of Trade Name with Secretary of State, or
  • Business License, or
  • Fictitious Name Certificate filed with County Recorder


  • Partnership Agreement (filed & stamped by appropriate state official)
  • Certificate of Limited Partnership if business is a Limited Partnership
  • Registration of Trade Name with Secretary of State, or
  • Business License, or
  • Fictitious Name Certificate filed with County Recorder
Limited Liability Company
  • Articles of Organization (filed & stamped by appropriate state official)
  • Operating Agreement or Member Control Agreement
Non-Profit Organization/Association
  • Articles of Incorporation (filed & stamped by appropriate state official)
  • Organization's Charter/Bylaws, or
  • Board of Directors Minutes Naming Authorized Signers
  • IRS Tax Exemption Letter
  • Articles of Incorporation (filed & stamped by appropriate state official)
  • Corporate Resolution
Unincorporated Association or Club
  • Meeting Minutes, stating instructions for opening the account
  • Charter or Bylaws
Simple and Easy

We understand time is money.

When you own a business, you don't have extra time to spare. Our online application is fast, easy and reviewed right here, locally by one of our loan experts.

After you apply, we will remain in touch with you throughout the application process so that you don't have to worry about the details. We are here to help you and your business succeed!

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Member Since 2021
Debra F.

I appreciated how professional the representatives were. The entire process was very streamlined.

Copper State CU is efficient and truthful. I really felt like the team wanted to help me with my goals.

Have a Question?

Frequently Asked Questions

What are the different ways I can 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

Can I apply for an Auto Loan if I have not found the vehicle 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.

Do you have different rates for new and used vehicles?

No, the rate is the same for both new and used vehicles.

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.


1All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership and a Business Checking Account are required.

2For 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.

Annual Percentage Rate range: 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.