The MFP’s Community Auto Lender Survey gathers Arizona’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Arizona’s Car Drivers >>
Arizona Best Car Loan Lenders by City
Phoenix, Tucson, Mesa, Chandler, Gilbert, Glendale, Scottsdale, Peoria, Tempe, Surprise, Online.
Arizona Car Loans Lenders Satisfaction
Performance and satisfaction of auto loan lenders across Arizona by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.62 | 4.65 | 4.63 | 89.8% |
| Community Banks | 4.27 | 4.36 | 4.33 | 81.6% |
| Online Lenders | 4.48 | 4.44 | 4.49 | 81.0% |
| Banks | 4.07 | 4.16 | 4.06 | 77.7% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 1,645 local Arizonans who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; easy application, loan terms and rate satisfaction, support and guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Arizona Drivers:
Arizona New Car Insurance Cost
Arizona Used Car Insurance Cost
Phoenix Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Phoenix’s area are OneAZ Credit Union, Desert Financial Credit Union and Arizona Financial Credit Union.
- OneAZ ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews consistently point to a smooth loan process, helpful loan staff, clear communication, and strong satisfaction with auto-loan terms.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Speedy Quote & Decision score.
- Reviews support the high ranking through repeated mentions of easy applications, competitive auto-loan options, and responsive local service.
- Arizona Financial ranks third with a 92% Recommend score and balanced 4.7 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews commonly describe the auto-loan process as straightforward, with helpful staff and good explanations during financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| OneAZ Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Arizona Central Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Credit Union West | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| TruWest Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 86% |
| Copper State Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 84% |
| Vantage West Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 82% |
| America First Credit Union | Credit Union | 4.3 | 4.4 | 4.3 | 80% |
| Mountain America Credit Union | Credit Union | 4.3 | 4.3 | 4.3 | 78% |
| Navy Federal Credit Union | Credit Union | 4.2 | 4.3 | 4.2 | 76% |
| National Bank of Arizona | Community Bank | 4.1 | 4.2 | 4.2 | 74% |
| Bank of America | Bank | 4.0 | 4.1 | 4.0 | 72% |
| Chase Bank | Bank | 4.0 | 4.0 | 3.9 | 70% |
| U.S. Bank | Bank | 3.9 | 4.0 | 3.9 | 68% |
Tucson Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Tucson’s area are Hughes Federal Credit Union, Vantage West Credit Union and Tucson Federal Credit Union.
- Hughes ranks highest overall with a 97% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews consistently point to helpful Tucson loan staff, fast approvals, clear communication, and strong satisfaction with auto-loan service.
- Vantage West ranks second with a 95% Recommend score, a 4.8 Loan Terms & Rate Satisfaction rating, and a 4.8 Speedy Quote & Decision score.
- Reviews support the high ranking through repeated mentions of competitive auto-loan rates, straightforward financing, and reliable local guidance.
- Tucson Federal ranks third with a 93% Recommend score and balanced 4.7 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews commonly describe the loan process as easy to understand, with responsive staff and good support during vehicle financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Hughes Federal Credit Union | Credit Union | 4.9 | 4.9 | 4.9 | 97% |
| Vantage West Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Tucson Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Pima Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 91% |
| Pyramid Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 89% |
| OneAZ Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 87% |
| Arizona Central Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 85% |
| Desert Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 83% |
| National Bank of Arizona | Community Bank | 4.3 | 4.4 | 4.4 | 81% |
| WaFd Bank | Bank | 4.2 | 4.3 | 4.3 | 79% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.2 | 77% |
| Bank of America | Bank | 4.1 | 4.1 | 4.0 | 75% |
| Chase Bank | Bank | 4.0 | 4.0 | 3.9 | 73% |
| U.S. Bank | Bank | 3.9 | 4.0 | 3.9 | 71% |
| Wells Fargo Bank | Bank | 3.8 | 3.9 | 3.8 | 69% |
Mesa Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Mesa’s area are OneAZ Credit Union, Desert Financial Credit Union and Arizona Financial Credit Union.
- OneAZ ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews repeatedly describe the loan process as fast and helpful, with strong staff guidance and clear support during financing.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews support the high ranking through frequent mentions of easy applications, competitive loan options, and responsive branch support.
- Arizona Financial ranks third with a 92% Recommend score and balanced 4.7 ratings across Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews commonly point to a straightforward auto-loan process, helpful explanations, and good borrower support from application through closing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| OneAZ Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| TruWest Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 88% |
| Global Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 86% |
| Navy Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 84% |
| UMB Bank | Bank | 4.3 | 4.4 | 4.3 | 82% |
| BOK Financial | Bank | 4.2 | 4.3 | 4.2 | 80% |
| First National Bank Texas | Bank | 4.1 | 4.2 | 4.1 | 78% |
Chandler Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Chandler’s area are Desert Financial Credit Union, Arizona Financial Credit Union and TruWest Credit Union.
- Desert Financial ranks highest overall with a 95% Recommend score, a 4.8 Easy Application rating, and the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8.
- Reviews frequently describe the auto-loan process as simple, with competitive loan terms, clear explanations, and helpful branch support.
- Arizona Financial ranks second with a 93% Recommend score and balanced 4.7 ratings across Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews commonly mention helpful staff, straightforward financing steps, and good communication throughout the loan process.
- TruWest ranks third with a 91% Recommend score, a 4.6 Easy Application rating, and a 4.7 Loan Terms & Rate Satisfaction rating.
- Reviews support the ranking through repeated mentions of flexible auto-loan options, attentive service, and clear borrower guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| TruWest Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| OneAZ Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 87% |
| America First Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 85% |
| National Bank of Arizona | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| BMO Bank | Bank | 4.2 | 4.3 | 4.2 | 81% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.1 | 79% |
| Bank of America | Bank | 4.0 | 4.1 | 4.0 | 77% |
Gilbert Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Gilbert’s area are OneAZ Credit Union, Desert Financial Credit Union and Arizona Financial Credit Union.
- OneAZ ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews repeatedly describe the auto-loan process as smooth and well explained, with strong borrower support from application through approval.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews commonly point to easy applications, competitive auto-loan terms, and helpful local service during the financing process.
- Arizona Financial ranks third with a 92% Recommend score and balanced 4.7 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews support the ranking through repeated mentions of clear communication, helpful staff, and a straightforward auto-loan experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| OneAZ Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| TruWest Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 88% |
| America First Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 86% |
| UMB Bank | Bank | 4.3 | 4.4 | 4.3 | 84% |
| First Fidelity Bank | Community Bank | 4.2 | 4.3 | 4.3 | 82% |
| Bank of America | Bank | 4.1 | 4.2 | 4.0 | 80% |
| Chase Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
Glendale Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Glendale’s area are OneAZ Credit Union, Arizona Financial Credit Union and Desert Financial Credit Union.
- OneAZ ranks highest overall with a 95% Recommend score, a 4.8 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.8.
- Reviews repeatedly describe the loan process as smooth and well explained, with helpful staff support and strong borrower communication.
- Arizona Financial ranks second with a 93% Recommend score and balanced 4.7 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews commonly mention straightforward financing, helpful branch staff, and clear guidance during the auto-loan process.
- Desert Financial ranks third with a 91% Recommend score, a 4.6 Easy Application rating, and a 4.7 Loan Terms & Rate Satisfaction rating.
- Reviews support the ranking through repeated mentions of easy applications, competitive loan options, and responsive service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| OneAZ Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Desert Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| Arizona Central Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Credit Union West | Credit Union | 4.5 | 4.6 | 4.5 | 87% |
| Copper State Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 85% |
| National Bank of Arizona | Community Bank | 4.3 | 4.4 | 4.3 | 83% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
| Chase Bank | Bank | 4.0 | 4.1 | 4.0 | 78% |
| Bank of America | Bank | 3.9 | 4.0 | 3.9 | 76% |
Scottsdale Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Scottsdale’s area are OneAZ Credit Union, Desert Financial Credit Union and Arizona Financial Credit Union.
- OneAZ ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews repeatedly describe the auto-loan process as smooth and well explained, with helpful staff and clear borrower guidance.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews commonly point to easy applications, competitive loan options, and responsive service during the financing process.
- Arizona Financial ranks third with a 92% Recommend score and balanced 4.7 ratings across Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews support the ranking through repeated mentions of clear communication, helpful explanations, and straightforward auto-loan support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| OneAZ Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| Arizona Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| TruWest Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 88% |
| America First Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 86% |
| National Bank of Arizona | Community Bank | 4.4 | 4.4 | 4.4 | 84% |
| UMB Bank | Bank | 4.3 | 4.4 | 4.3 | 82% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.1 | 80% |
| Bank of America | Bank | 4.0 | 4.1 | 4.0 | 78% |
Peoria Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Peoria’s area are Credit Union West, Desert Financial Credit Union and OneAZ Credit Union.
- Credit Union West ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews repeatedly point to helpful loan staff, clear explanations, and a smooth auto-loan process from application through approval.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews commonly describe the application process as easy, with competitive auto-loan options and responsive local service.
- OneAZ ranks third with a 92% Recommend score, a 4.7 Easy Application rating, and a 4.8 Speedy Quote & Decision rating.
- Reviews support the ranking through repeated mentions of helpful staff, clear communication, and strong borrower support during financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Credit Union West | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| OneAZ Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 92% |
| Arizona Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Copper State Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| Arizona Central Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 86% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.1 | 82% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.0 | 80% |
Tempe Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Tempe’s area are TruWest Credit Union, Desert Financial Credit Union and Arizona Central Credit Union.
- TruWest ranks highest overall with a 95% Recommend score, a 4.8 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.8.
- Reviews repeatedly describe the auto-loan process as clear and helpful, with strong staff guidance and good borrower communication.
- Desert Financial ranks second with a 93% Recommend score, a 4.7 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews commonly point to easy applications, competitive auto-loan terms, and responsive service during financing.
- Arizona Central ranks third with a 91% Recommend score and balanced 4.6 ratings across Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Reviews support the ranking through repeated mentions of helpful branch staff, straightforward loan explanations, and smooth application support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TruWest Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Desert Financial Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Arizona Central Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| OneAZ Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Arizona Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 87% |
| National Bank of Arizona | Community Bank | 4.3 | 4.4 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.1 | 4.0 | 79% |
Surprise Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Surprise’s area are Credit Union West, Desert Financial Credit Union and OneAZ Credit Union.
- Credit Union West ranks highest overall with a 96% Recommend score, a 4.9 Easy Application rating, and the strongest Speedy Quote & Decision score among the top 3 at 4.9.
- Reviews repeatedly describe the auto-loan process as easy to follow, with helpful loan staff, clear communication, and strong support during approval.
- Desert Financial ranks second with a 94% Recommend score, a 4.8 Easy Application rating, and a 4.8 Loan Terms & Rate Satisfaction rating.
- Reviews commonly point to a simple application process, competitive auto-loan terms, and responsive service from local staff.
- OneAZ ranks third with a 92% Recommend score, a 4.7 Easy Application rating, and a 4.8 Speedy Quote & Decision rating.
- Reviews support the ranking through repeated mentions of clear explanations, helpful staff, and a smooth borrower experience during financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Credit Union West | Credit Union | 4.9 | 4.8 | 4.9 | 96% |
| Desert Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 94% |
| OneAZ Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 92% |
| Arizona Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Copper State Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| Arizona Central Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 86% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.1 | 82% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.0 | 80% |
Arizona Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Arizona’s area are Desert Financial Credit Union, OneAZ Credit Union and Vantage West Credit Union.
Desert Financial Credit Union (91% Recommend)
- Desert Financial Credit Union ranks first with a 4.9 Easy Application rating, 4.9 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying the highest Loan Terms score among the top 3.
- Customer feedback points to strong Arizona borrower satisfaction, clear auto-loan options, competitive terms, and a simple online application path.
OneAZ Credit Union (90% Recommend)
- OneAZ Credit Union ranks second with a 4.9 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying Desert Financial Credit Union on Easy Application and Speedy Quote & Decision.
- Customer feedback supports strong Arizona-specific lending relevance, flexible purchase options, and fast online loan decisions.
Vantage West Credit Union (89% Recommend)
- Vantage West Credit Union ranks third with a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, matching OneAZ Credit Union on Loan Terms and Speedy Quote & Decision.
- Customer feedback points to useful online car-shopping tools, local lending guidance, and strong Arizona auto-loan availability.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| Desert Financial Credit Union | Direct | 4.9 | 4.9 | 4.8 | 91% |
| OneAZ Credit Union | Direct | 4.9 | 4.8 | 4.8 | 90% |
| Vantage West Credit Union | Direct | 4.8 | 4.8 | 4.8 | 89% |
| Hughes Federal Credit Union | Direct | 4.8 | 4.7 | 4.8 | 88% |
| Arizona Financial Credit Union | Direct | 4.7 | 4.7 | 4.7 | 86% |
| Arizona Central Credit Union | Direct | 4.7 | 4.7 | 4.6 | 85% |
| TruWest Credit Union | Direct | 4.6 | 4.6 | 4.6 | 84% |
| Credit Union West | Direct | 4.6 | 4.6 | 4.5 | 83% |
| Pima Federal Credit Union | Direct | 4.5 | 4.6 | 4.5 | 82% |
| SunWest Credit Union | Direct | 4.5 | 4.5 | 4.5 | 81% |
| AUTOPAY | Marketplace | 4.5 | 4.4 | 4.5 | 81% |
| Capital One Auto Navigator | Direct | 4.5 | 4.3 | 4.6 | 80% |
| LightStream | Direct | 4.4 | 4.4 | 4.5 | 79% |
| PenFed Credit Union | Direct | 4.3 | 4.6 | 4.3 | 78% |
| Bank of America Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 76% |
| myAutoloan | Marketplace | 4.2 | 4.1 | 4.2 | 75% |
| Auto Credit Express | Marketplace | 4.1 | 4.0 | 4.2 | 74% |
| CarsDirect | Marketplace | 4.0 | 4.0 | 4.1 | 73% |
| Carvana Financing | Direct | 4.5 | 4.0 | 4.6 | 73% |
| RoadLoans | Direct | 4.0 | 4.0 | 4.1 | 72% |