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Auto Loans

Get up to $ cash back when you bring your auto loan to AERO Federal Credit Union*

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Auto Loan Benefits

Whether you are buying a new or used vehicle, AERO is here to help. From pre-approval to purchase, we can assist you with each step of the car-buying process.

  • Low Auto Loan Rates

    • AERO Federal Credit Union wants to make sure our auto loans fit your budget. We pride ourselves on finding the best rate possible for you and your family.

  • Motorcycles, ATVs, RVs

    • AERO can help you explore Arizona with great rates and terms on all types of recreational vehicles.

  • Optional Services

    • Designed for credit union members like you, the TruStage™ Auto Insurance Program provides affordable top-quality protection. To get quotes or just explore your options, visit TruStage.com

*The maximum refinance reward is $500.00. The reward will be deposited into your AERO account at loan closing. Offer only applies to auto loans from another financial institution. Rate dependent on creditworthiness and other factors. This is a limited-time offer and subject to change or end at the credit union’s discretion. Contact the credit union for full details.

© Copyright 2022, TruStage. All Rights Reserved. TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Auto Loan Rates

Our goal at AERO Federal Credit Union is to make sure you get the best auto loan rates on both new and used cars, competitive terms, and the best service we can possibly deliver.

Type APR* (as low as)
Auto *
Boat, RV, ATV *
New & Used Motorcycle *

  • *Annual Percentage Rate (APR) may change without notice. Actual rates may vary depending on the term of loan, amount financed, and personal credit history. Rates are subject to change. Certain restrictions apply. All loans are subject to credit approval.

How to get started

  1. Calculate payment

    Use our handy calculator to enter your information to see your estimated payment.

  2. Get pre-approved

    Work with one of our experienced team members to discuss pre-approval.

  3. Be excited about the vehicle you drive

    Shop online using our auto brokers to find the vehicle that fits your lifestyle.

  4. Getting started is easy

    Apply in person or apply online using the online application.

Loan Calculator

Apply Now

What our members have to say

  • Shelli and Devin in the loan department were absolutely fantastic! The two of them helped get my Auto Loan processed quickly, even though I took longer than expected finding the vehicle to purchase. Highly recommend AERO for any and all of your financial needs!

    - Ryan W. -

  • I got a pre-approved car loan. Kimberly Malnar helped me; she was amazing. t only took a few minutes; one of the easiest things I have ever done. I got a 2.99% rate. The finance manager at the car dealership couldn't believe anyone would give an interest rate that low. Moving my banking to AERO from Wells Fargo was the smartest thing I ever did.

    - Eva H. -

  • AERO is awesome! I've had great experiences banking with them and having two auto loans with them. They even offered cash back when I paid off my first auto loan and opened the second auto loan with them again. Their staff is very polite, friendly, attentive, and reliable (in person, over the phone, and by email). They have several locations around the Valley for convenience! 5 stars!

    - Kate S. -

  • AERO is where we decided to refinance our truck and are very pleased we did. We were very impressed with how informative Brenda and Jessica were and they put us at ease answering all of our questions. Thanks, ladies, for making this a smooth and quick process.

    - Patty S. -

  • I had a very great experience with the staff at this location while working on my new auto loan. The team ensured my process was quick and easy! Thank you again, Nikki, Leslie, and Chris for all of your hard work and dedication to your customers! I will definitely be back and will refer family and friends to come to see you as well!

    - Richard M. -

  • AERO is far better than any credit union or bank I have ever used! They work for you and get you all information you need. I have used them for numerous loans and have never had an issue getting one. I will stay with them forever. I also like the fact they know who I am either on the phone or walk-in. Been with them for more than 40 years.

    - Patty E. -

Frequently Asked Questions

  • Refinancing your auto loan is a simple, straightforward process. You essentially apply for a new auto, which pays off your current loan. This results in a new interest rate, a new loan agreement, and a new loan term.

  • YES! We can get you pre-approved so you can shop with confidence. Pre-approvals are good for 30 days.

  • You can pay a few different ways:

    • Sign up for online banking and you can pay your loan online. Click here to sign up and pay your loan using an account number from another financial institution
    • Pay by phone calling AERO at 623-334-4701
    • Pay by mailing your payment to 5811 W. Talavi Blvd. Glendale AZ 85306
    • Set up bill pay

  • Rates are the same for both new and used vehicles and based on credit score, year and mileage of the vehicle.

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