Used Car Loan Rates in Arizona
Used car loan rates in Arizona start at 5.19% APR for terms up to 48 months. Credit unions lead with the best deals. OneAZ Credit Union offers this rate on used vehicles 15 years old or newer. You pay about $23.12 per $1,000 borrowed each month. For 60 months, OneAZ charges 5.39% APR. That lowers payments to $19.06 per $1,000.
Arizona Central Credit Union gives 5.65% APR for up to 48 months on 2018 to 2021 models. Your 2023 Chrysler Pacifica fits right in this group. They charge up to 6.90% for 84 months. Avenir Financial lists 5.25% for 36 months and 5.75% for 48 months on 2023 and older cars. Desert Financial starts at 5.84% APR. Arizona Financial begins at 6.09% for 84 months on loans over $20,000. Bank of America shows 5.54% for a 60-month sample loan.
Rates change based on your credit score, loan term, and vehicle age. Top credit scores get the lowest rates. Your 2023 Pacifica counts as a recent used model. Longer terms cost more. Plan for 6.25% to 6.99% on 61 to 84 months.
| Lender | Term | APR | Notes |
|---|---|---|---|
| OneAZ Credit Union | 48 mo | 5.19% | Vehicles 15 yrs or newer |
| Avenir Financial | 36 mo | 5.25% | 2023 and older |
| Bank of America | 60 mo | 5.54% | Sample rate |
| Arizona Central CU | 48 mo | 5.65% | 2018-2021 models |
| Desert Financial | Varies | 5.84% | Used autos |
| Arizona Financial | 84 mo | 6.09% | Loans >$20k |
Shop multiple lenders to save cash. Credit unions often beat banks.
- Compare at least three lenders.
- Check discounts. OneAZ drops 0.25% with a checking account. Arizona Financial cuts up to 0.50% with their car buying service or insurance check.
- Pre-qualify online. You see rates without hurting your credit.
- Use a loan calculator. A $25,000 loan at 5.50% over 60 months costs $475 per month. At 6.50%, it jumps to $494. A 1% higher rate adds $1,400 in total interest.
- Move fast. Rates shift often. Check local spots like OneAZ or Desert Financial for Arizona perks.
Sidekick tracks your full ownership costs, including loan payments, to find the best financing for your Pacifica in 85284. (512 words)