Looking For Car Finance In AZ During November 2019?
Getting the best deal on a car loan in AZ can save you a significant amount of money over the life of your loan. That’s why you need a partner who knows how to get you approved for the vehicle that you want at the lowest car loan interest rate possible and with no hassle.
The AllCreditCarLoans network of finance partners provides quick and easy auto finance decisions for all credit situations. Our finance partners are making more loans, approving buyers with lower credit scores, offering lower monthly payments and making larger loans than ever before. There has never been a better time to get an auto loan than right now.
By working with AllCreditCarLoans, you can get preapproved for a car loan before going to the car dealership, so that you can negotiate as a cash buyer and get the best deal possible.
So, no matter what your credit situation, if you are looking for a quick, no-hassle auto loan at the best rate, just click the button below to get the process started. Our one-page application form is simple and easy to use. It only takes a few minutes.
AllCreditCarLoans Follows A Simple 1-2-3 Car Loan Application Process
No need to wait for hours at your nearest dealership or submit tons of paperwork. No need to worry about your credit history. With AllCreditCarLoans, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes to complete. Our one-page application is safe and secure, so you don’t have to worry about the safety of your information. Everything is done online. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your credit approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the loan approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day they apply.
- 3 - PURCHASE YOUR VEHICLE - With our easy as 1-2-3 process, you can purchase your vehicle on the same day your loan is approved. You just visit your favorite auto dealership and negotiate like a cash buyer.
Your Vehicle Financing Options
Your credit history and whom you are buying your car from will determine what kind of auto loan you need.
Whether you are buying a used or new vehicle from a dealer; you need a program designed to help you get a loan despite any credit challenges; or you are looking to refinance an existing loan - we are here to help.
We provide a variety of vehicle financing options to suit your budget and credit situation:
- AZ New Car Loans
- AZ Used Car Loans
- AZ Auto Refinance Loans
- AZ Good and Fair Credit Car Loans
- AZ Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto finance companies like Capital One Auto Loans, Carmax Auto, USAA Car Loans, Chase Bank Auto Loans, Wells Fargo Auto Finance, Bank of America Auto Loans, NFCU Auto Loans, AAA Auto Loans, Key Bank Auto Loans, PNC BankAuto Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Auto Finance and State Farm Bank Auto Loans.
AllCreditCarLoans works with the best buy here pay here dealerships near you, bad credit dealers, second chance dealers and other lenders to provide the best rates.
We've provided loans for first-time buyers, students, active military and veterans. We've helped foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
If you are looking for a title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We also specialize in subprime auto financing even after bankruptcy and a repossession.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the button below to let us get started helping you today!
Car Finance Calculator For AZ
Use the AllCreditCarLoans monthly car payment calculator to help determine how much you can afford to spend when financing or refinancing a car. You can run multiple scenarios varying the "down payment" and "number of months" in order to get the monthly payments where you would like them to be.
We recommend that you target your total car expenses to be no more than 20% of your take-home pay.
What To Know Before You Apply For A Car Loan
Auto Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the vehicle you choose.
Auto Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms. We recommend keeping your loan term to 3 years for used cars and up to 5 years for new cars.
Auto Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer auto finance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car finance lenders and auto dealers to help you find the best auto loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
Car Loan Restrictions
Some lenders only work within a specific network of auto dealerships. This could limit your choice of vehicles to a handful of auto makes, models and vehicle types.
Some lenders will only work with car dealers so you won't be able to use them to buy a car from a private seller.
Steps To Get A Car Loan
Shopping for a vehicle has never been easier. Our vast network of lending partners and streamlined process makes getting a loan quick and easy.
1 - Budget For Your Car Purchase
The first step in obtaining financing is to figure out how much you can afford to spend.
If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your autos market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down-payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our car loan calculator to estimate your monthly payment. You can vary the interest rate and loan term to see how that affects the potential monthly payment.
2 - Choose Whether You Want A New Or Used Auto
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, follow our new car recommendations.
If you are looking to get the most value for your dollar, you will likely be better off financing a used car. For the best results, follow our used car recommendations.
3 - Apply For Your Car Loan
Click the button below and fill out our quick and easy application form to get started right away!
New Car Loans
New car loans are the most common type of auto financing. Beyond the traditional option of getting approved through a new car dealer, many consumers have found that they can save money and gain negotiating leverage by arranging their auto financing in advance.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower-priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Let us help you get preapproved for that new car loan and you will become a cash buyer. This saves you time at the dealership and gives you the power to negotiate your best deal on any car you choose. Apply for a new car loan in AZ and see how much we can save you.
Used Auto Loans
A used car loan is our most commonly requested loan. By letting us help pre-arrange your funding source, you know that you'll have the power to negotiate the best deal. Apply for a used vehicle loan and see what type of rate & term you can get from our participating lenders.
Buying a used auto will typically provide the best value. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. We can help you with an auto loan to buy from a private seller.
If you choose to purchase a used vehicle, you can click here to view the inventory of used car dealerships in AZ.
Shopping For The Best Vehicle Loan Rates In AZ?
Whether you are looking for the best interest rate for a new or used car, or you want to refinance a vehicle loan, we can help.
With a lower interest rate, you'll save money and pay off your auto loan faster. The single most important thing you can do to save money on a vehicle loan is to shop for the best interest rate before you set foot in a dealership. By knowing what kind of rate you qualify for before you try to buy a car, you accomplish three things:
- You can focus your negotiations with the dealer on the vehicle price rather than on financing terms
- You won't end up getting a higher cost loan than you want
- You'll know what range of car payments you can qualify for
Use our car loan calculator to determine what range of payments you can expect. You can enter your balance, term, and interest rate to calculate what the payment will be. You can compare different scenarios to see how much more you can save by increasing your down payment.
Average Vehicle Payment Interest Rates You Can Expect
|Credit Score Range||Average APR for a New Car||Average APR for a Used Car|
|781 - 850||3.68%||4.34%|
|661 - 780||4.56%||5.97%|
|601 - 660||7.52%||10.34%|
|501 - 600||11.89%||16.14%|
|300 - 500||14.41%||19.98%|
Why Getting Preapproved For An Auto Loan Is Important
Having a preapproved car loan streamlines the buying process because you become a cash buyer and you can bypass the usual salesman's tactic of negotiating based on monthly payment. The problem with negotiating based on the monthly payment amount is that you can easily lose sight of the total cost and end up paying more in the long run.
As you negotiate your best deal, be sure to leave enough money to cover the sales tax and any additional fees. This way your total "out the door" cost does not exceed the maximum amount of your preapproved auto loan.
While you are at one of the auto dealers near you, the finance manager may try to beat the interest rate of your preapproved loan. Before accepting the dealer's replacement loan, make sure that the interest rate is lower, all of the other terms are comparable, and the final total price is less. It's good to be cautious because there is always a risk that the finance manager could juggle the numbers in the dealership's favor and you could end up spending more money than you would with your preapproved car loan.
How Does Getting Preapproved For A Car Loan Work?
Car dealers usually offer auto financing through their preferred lenders, typically at a higher loan rate than available elsewhere. Getting preapproved directly with one of our lending partners helps you to negotiate the best auto loan rate before you even get to the dealership so that you can save money in the long run.
When you start your car buying process at a dealership, the salesmen will focus on the monthly payment, which makes it easier to forget about the actual price of the car. But when you show up with a preapproved auto loan, negotiations can be based on the price of the car instead.
How To Get Pre-Qualified For An Auto Loan
When you’re applying with us, the application process is simple and quick. You should have the following information on-hand:
- Driver’s license and Social Security number
- Proof of income
- Employment verification
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan rates for your credit situation.
Arizona (/ˌærɪˈzoʊnə/ (listen); Navajo: Hoozdo Hahoodzo Navajo pronunciation: [xòːztò xɑ̀xòːtsò]; O’odham: Alĭ ṣonak Uto-Aztecan pronunciation: [ˡaɺi ˡʂonak]) is a state in the southwestern region of the United States. It is also part of the Western and the Mountain states. It is the sixth largest and the 14th most populous of the 50 states. Its capital and largest city is Phoenix. Arizona shares the Four Corners region with Utah, Colorado, and New Mexico; its other neighboring states are Nevada and California to the west and the Mexican states of Sonora and Baja California to the south and southwest.
The United States Census Bureau estimates Arizona’s population was 7,171,646 on July 1, 2018, a 12.2% increase since the 2010 United States Census.
Arizona remained sparsely settled for most of the 19th century. The 1860 census reported the population of “Arizona County” to be 6,482, of whom 4,040 were listed as “Indians”, 21 as “free colored”, and 2,421 as “white”. Arizona’s continued population growth puts an enormous stress on the state’s water supply. As of 2011, 61.3% of Arizona’s children under the age of 1 belonged to minority groups.
The population of metropolitan Phoenix increased by 45.3% from 1991 through 2001, helping to make Arizona the second fastest-growing state in the U.S. in the 1990s (the fastest was Nevada). As of July 2017, the population of the Phoenix area is estimated to be over 4.7 million.
According to the 2010 United States Census, Arizona had a population of 6,392,017. In 2010, illegal immigrants constituted an estimated 7.9% of the population. This was the second highest percentage of any state in the U.S. Arizona has banned sanctuary cities.
Metropolitan Phoenix (4.7 million) and Tucson (1 million) are home to about five-sixths of Arizona’s people (as of the 2010 census). Metro Phoenix alone accounts for two-thirds of the state’s population.
In 1980, the Census Bureau reported Arizona’s population as 16.2% Hispanic, 5.6% Native American, and 74.5% non-Hispanic white. In 2010, the racial makeup of the state was:
Hispanics or Latinos of any race made up 29.6% of the state’s population. Non-Hispanic whites formed 57.8% of the total population.
Arizona’s five largest ancestry groups, as of 2009, were:
As of 2010, 72.9% (4,215,749) of Arizona residents age 5 and older spoke English at home as a primary language, while 20.8% (1,202,638) spoke Spanish, 1.5% (85,602) Navajo, 0.4% (22,592) German, 0.4% (22,426) Chinese (which includes Mandarin), 0.3% (19,015) Tagalog, 0.3% (17,603) Vietnamese, 0.3% (15,707) Other North American Indigenous Languages (especially indigenous languages of Arizona), and French was spoken as a main language by 0.3% (15,062) of the population over the age of five. In total, 27.1% (1,567,548) of Arizona’s population age 5 and older spoke a mother language other than English.
Arizona is home to the largest number of speakers of Native American languages in the 48 contiguous states, as over 85,000 individuals reported speaking Navajo, and 10,403 people reported Apache, as a language spoken at home in 2005. Arizona’s Apache County has the highest concentration of speakers of Native American Indian languages in the United States.
Phoenix, in Maricopa County, is Arizona’s capital and largest city. Other prominent cities in the Phoenix metro area include Mesa (Arizona’s third largest city), Chandler (Arizona’s fourth largest city), Glendale, Peoria, Buckeye, Sun City, Sun City West, Fountain Hills, Surprise, Gilbert, El Mirage, Avondale, Tempe, Tolleson and Scottsdale, with a total metropolitan population of just over 4.7 million. The average high temperature in July, 106 °F (41 °C), is one of the highest of any metropolitan area in the United States, offset by an average January high temperature of 67 °F (19 °C), the basis of its winter appeal.
Tucson, with a metro population of just over one million, is the state’s second-largest city. Located in Pima County, approximately 110 miles (180 km) southeast of Phoenix, it was incorporated in 1877, making it the oldest incorporated city in Arizona. It is home to the University of Arizona. Major incorporated suburbs of Tucson include Oro Valley and Marana northwest of the city, Sahuarita south of the city, and South Tucson in an enclave south of downtown. It has an average July temperature of 100 °F (38 °C) and winter temperatures averaging 65 °F (18 °C). Saguaro National Park, just west of the city in the Tucson Mountains, is the site of the world’s largest collection of Saguaro cacti.
The Prescott metropolitan area includes the cities of Prescott, Cottonwood, Camp Verde and many other towns in the 8,123 square miles (21,000 km) of Yavapai County area. With 212,635 residents, this cluster of towns is the state’s third largest metropolitan area. The city of Prescott (population 41,528) lies approximately 100 miles (160 km) northwest of the Phoenix metropolitan area. Situated in pine tree forests at an elevation of about 5,500 feet (1,700 m), Prescott enjoys a much cooler climate than Phoenix, with average summer highs around 88 °F (31 °C) and winter temperatures averaging 50 °F (10 °C).
Yuma is center of the fourth-largest metropolitan area in Arizona. Located in Yuma County, it is near the borders of California and Mexico. It is one of the hottest cities in the United States, with an average July high of 107 °F (42 °C). (The same month’s average in Death Valley is 115 °F (46 °C).) The city features sunny days about 90% of the year. The Yuma Metropolitan Statistical Area has a population of 160,000. Yuma attracts many winter visitors from all over the United States.
Flagstaff, in Coconino County, is the largest city in northern Arizona, and is at an elevation of nearly 7,000 feet (2,100 m). With its large Ponderosa pine forests, snowy winter weather and picturesque mountains, it is a stark contrast to the desert regions typically associated with Arizona. It is sited at the base of the San Francisco Peaks, the highest mountain range in the state of Arizona, which contain Humphreys Peak, the highest point in Arizona at 12,633 feet (3,851 m). Flagstaff has a strong tourism sector, due to its proximity to numerous tourist attractions including: Grand Canyon National Park, Sedona, and Oak Creek Canyon. Historic U.S. Route 66 is the main east-west street in the town. The Flagstaff metropolitan area is home to 134,421 residents and the main campus of Northern Arizona University.
Lake Havasu City, in Mohave County, known as “Arizona’s playground,” was developed on the Colorado River and is named after Lake Havasu. Lake Havasu City has a population of about 53,000 people. It is famous for huge spring break parties, sunsets and the London Bridge, relocated from London, England. Lake Havasu City was founded by real estate developer Robert P. McCulloch in 1963. It has two colleges, Mohave Community College and ASU Colleges in Lake Havasu City.
In 2010, the Association of Religion Data Archives reported that the three largest denominational groups in Arizona were the Catholic Church, The Church of Jesus Christ of Latter-Day Saints and non-denominational Evangelical Protestants. The Catholic Church has the highest number of adherents in Arizona (at 930,001), followed by The Church of Jesus Christ of Latter-day Saints with 410,263 members reported and then non-denominational Evangelical Protestants, reporting 281,105 adherents. The religious body with the largest number of congregations is The Church of Jesus Christ of Latter-day Saints (with 836 congregations) followed by the Southern Baptist Convention (with 323 congregations).
According to the Association of Religion Data Archives, the fifteen largest denominations by number of adherents in 2010 and 2000 were:
Regarding non-Christian denominations, Hinduism became the largest non-Christian religion (when combining all denominations) in 2010, with over 32,000 adherents in several denominations, followed by Judaism with over 20,000 in three denominations, and Buddhism with over 19,000 adherents in several denominations.
Zip Code Map
Arizona neighborhoods include: Ajo, Alpine, Amado, Anthem, Apache Junction, Arivaca, Arizona City, Arlington, Ash Fork, Avondale, Bagdad, Benson, Bisbee, Black Canyon City, Buckeye, Bullhead City, Camp Verde, Carefree, Casa Grande, Cave Creek, Chambers, Chandler, Chino Valley, Cibola, Clarkdale, Cochise, Colorado City, Concho, Congress, Coolidge, Cornville, Corona, Corona De Tucson, Cottonwood, Crown King, Dateland, Desert Hills, Dewey, Dolan Springs, Douglas, Dragoon, Dudleyville, Eagar, Eden, Elfrida, Elgin, El Mirage, Eloy, Flagstaff, Florence, Fort McDowell, Fort Mohave, Fountain Hills, Fredonia, Ganado, Gila Bend, Gilbert, Glendale, Glendale Luke Afb, Gold Canyon, Golden Valley, Goodyear, Green Valley, Guadalupe, Hackberry, Heber, Hereford, Higley, Holbrook, Huachuca City, Kearny, Kingman, Kirkland, Lake Havasu City, Lakeside, Laveen, Litchfield Park, Littlefield, Madera Canyon, Mammoth, Marana, Marble Canyon, Maricopa, Mayer, Mc Neal, Meadview, Mesa, Miami, Mohave Valley, Mormon Lake, Morristown, Mount Lemmon, New River, Nogales, North Rim, Oracle, Oro Valley, Page, Palo Verde, Paradise Valley, Parker, Patagonia, Paulden, Peach Springs, Pearce, Peeples Valley, Peoria, Phoenix, Picacho, Pima, Pinetop, Pirtleville, Portal, Prescott, Prescott Valley, Queen Creek, Queen Valley, Red Rock, Rimrock, Rio Rico, Rio Verde, Roll, Sacaton, Saddlebrooke, Safford, Sahuarita, Saint David, Saint Johns, Salome, San Manuel, San Simon, San Tan Valley, Scottsdale, Sedona, Seligman, Sells, Show Low, Sierra Vista, Snowflake, Somerton, Sonoita, Springerville, Stanfield, Sun City, Sun City West, Sun Lakes, Sunsites, Superior, Surprise, Tempe, Thatcher, Tolleson, Toltec, Tombstone, Tonopah, Topock, Tubac, Tucson, Tumacacori, Vail, Valentine, Valley Farms, Waddell, Wellton, White Hills, Wickenburg, Willcox, Williams, Willow Beach, Winkelman, Winslow, Wittmann, Yarnell, Youngtown, Yuma
For more information, see Arizona wiki