Auto Loans

Credit Union West auto

In  the market for a new or used car, truck, van, or SUV? We can help! Take advantage of free price quotes, preferred pricing, lower rates, extended terms and affordable protection plans. We make it easy for you to drive a great bargain. Apply online or by phone at 602.631.3290.


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Vehicle loans as low as 3.74% APR.

Get a Great Rate

  • Low, fixed rates for predictable payments
  • Flexible terms available
  • New car loans - up to 145% of MSRP
  • Used car loans - up to 145% of Kelley Blue Book
  • Same-day approval in most cases
  • No prepayment penalties

Get a Great Price

Credit Union West and the Costco Auto Program1 have teamed up to save you time, money and hassle on your next vehicle purchase. The Costco Auto Program offers Credit Union West members exclusive pre-arranged pricing on new or Factory-Certified Pre-Owned vehicles. Specially selected dealerships provide a professional, efficient and pressure-free buying experience. Program participants who finance through Credit Union West will receive either a $50 Costco Cash Card or a one-year Costco Gold Star Membership ($50 value). Lock in a great rate and get pre-approved before you shop. Costco Auto Program benefits include:

  • No-haggle pre-arranged pricing
  • Hundreds of participating dealers in Arizona offering exclusive savings to Costco members
  • Member Advocates to help you before, during and after your purchase
  • In-depth vehicle research and road test reviews
  • A $50 Costco Cash Card (if you're already a Costco Member) or a one-year Costco Gold Star Membership
  • Get special low pricing on Factory-Certified Pre-Owned vehicles

Click on the Costco Auto Program logo for details on how you can save! costco auto program

Great Protection Keeps Your Money Where it Belongs - In Your Pocket

All products have a free 60-day look period and open enrollment

Guaranteed Asset Protection Advantage**

  • Waives the difference between the actual cash value of your vehicle and the balance remaining on the vehicle loan after primary insurance company’s settlement. 2
  • Protection for collision and comprehensive total loss, including theft
  • Auto Deductible Reimbursement for damaged vehicles. Pays up to $500 per loss (unlimited losses per year) when a claim is filed and paid with primary insurance carrier.3 Coverage extends to all vehicles the covered borrower is titled on.
  • Covers up to 150% Loan to Value of a vehicle. Provides an additional $1,000 credit toward the financing of a replacement vehicle when new vehicle loan is financed with Credit Union West.3
  • Protection begins immediately after your lender processes your enrollment and continues for the term of the loan.
  • Peace of mind for an affordable one-time fee.
Depreciation Protection Waiver**
  • Protects the equity in your vehicle at time of purchase for the life of the loan
  • Protection from collision or comprehensive total loss, including theft
  • Auto Deductible Reimbursement (ADR) for damaged vehicles. Pays up to $500.00 per loss and extends to all vehicles the covered borrower is titled on. (unlimited losses per year)
  • Life of loan protection
  • No mileage or year restrictions
  • Open enrollment
  • 100% refundable for 60 days
  • Accidental Death protection included. Provides for cancellation of up to $1,000 of your outstanding loan balance if you die as a result of an accidental injury. Coverage is up to $1,000 or remaining loan balance if less than $1,000.
Mechanical Breakdown Protection**
  • Helps ensure that the investment in your vehicle is protected and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure.
  • Offers flexible (or customized) levels of coverage to meet your specific needs.
  • Offers coverage for new and used vehicles.**
  • Deductible options from $0-$100
  • Roadside assistance, rental reimbursement, paintless dent repair, windshield repair and trip interruption benefits are included
  • 0% Financing up to 24 months
  • Can be purchased even if financed through another lender or the vehicle is free and clear.

Auto Auction

Get a great deal on previously owned vehicles, RVs, motorcycles and more!

Learn More 

*APR - Annual Percentage Rate based on credit history, term and performance. Subject to credit qualifications and approval. Certain restrictions apply. Programs subject to change without notice.

**Certain restrictions apply. Speak to a credit union representative for complete details.

1Participants must be a Credit Union West member, locate a participating dealer through the Costco Auto Program and meet with the Authorized Dealer Contacts to be eligible. Credit Union West loan funding required as well as completion of a Costco Auto Program Member Satisfaction Survey within 30 days of purchase. Costco and its affiliates do not sell automobiles or negotiate individual transactions. All new cars arranged for sale are subject to availability and a price prearranged with the participating franchised dealership. Certain vehicles may be excluded from this program. Program subject to change. A participation fee has been paid by the dealers participating in the Costco Auto Program.

2Subject to terms and conditions of coverage. Some exclusions may apply. See GAP Waiver for details.

3This optional benefit is not available in all states.