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Low Rate New or Used Car Loans

Get up to $400 Cash Back when you Refinance your Auto Loan

& No Payment for 90 Days

*The maximum refinance reward is $400. 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.

We’ll help you with every step of your auto loan

AERO will get you behind the wheel in record time. Whether you are buying a new or used car, or you want to refinance your current car loan from another lender, AERO is here to help. From pre-approval to purchase, we can help you with each step of the car-buying process. As your top-rated local AZ credit union, we’re always ready to answer questions along the way, and you may even be able to afford more than you think with our low auto loan rates.

Our lenders can help you decipher anything from MSRP meaning to additional GAP or Mechanical Breakdown coverage you might want to consider with your new or used car. We’ll get you pre-approved quickly so you’ll be certain that it’s the best time to buy a car, and be ready to negotiate when you start shopping. Hit the open Arizona roads today with a new or used car loan from AERO!

  • Low Car Loan rates
  • New and used auto loans
  • Car Loan Refinancing options available
  • Optional GAP protection
  • Extended warranties available
  • Auto Essentials is additional MBP protection

Our Goal

Let the team at AERO from any one of our many valley locations throughout AZ help you navigate the complicated car-buying process. We have local convenient branches to serve our member’s needs in the greater Phoenix area including locations near Glendale, Peoria, Tempe, Chandler, Mesa, Scottsdale, and Surprise.  Our goal is to give you advice and lending solutions that meet your needs. We aren’t here to up-sell you into more car than you need or can afford. We’re here to make sure you get the best new and used car loan rates and service we can possibly deliver. It’s hard enough finding the best new or used car for you and your family, at AERO we want to make the lending process seamless and worry-free. You can count on our team to give you trustworthy advice about when to buy a new or used car and how much you can responsibly afford to spend.


Auto Loan Calculator



Get Pre-Approved for your Auto Loan Today!

Are you pre-approved?

Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend. It also gives you more bargaining power at the dealerships.


Find the Best New or Used Car for your Needs

Find a car on your own, or work with our local Arizona partners to save time and money.

Other car buying tools

Gap Coverage

If you’re purchasing a new car you’ll likely want to consider Gap Coverage. This is an optional car insurance coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value.

Mechanical Breakdown

An extended warranty option for your new car that provides all the protection you’ll need. With our coverage you can relax and enjoy your new ride knowing that even the most reliable vehicle can develop mechanical problems now and then.

Auto Essentials

Relax, you’re covered! Auto Essentials provides additional protection for your auto loan beyond MBP such as lost keys, dents and dings, damaged tires, cracked windshields and roadside breakdowns. It also protects you from increasing your insurance premiums.

Want to know the status of your loan?