Vehicle Loans

Wherever your passion takes you—out on the lake, over the next dune or along the Pacific Coast Highway—know that Desert Schools has options to finance your expedition.  Apply Now
Other Vehicle Loans

Motorcycle Loan

  • Rates as low as 10.00% APR*
  • No application fees or pre-payment penalties
  • New motorcycle rates on current and previous model year
  • Used motorcycle rates on models up to eight years old
  • Terms available up to 72 months
  • Finance up to 100% loan-to-value
  • Available for purchase or refinance

Boat Loan

Be out enjoying the open water in your own boat or personal watercraft before you know it. Rates as low as 6.00% APR*.

ATV Loan

Discover a world of off-road adventure with a maneuverable, exhilarating all-terrain vehicle.

RV Loan

See the world without sacrificing the comforts of home when you purchase your own RV.

What you need to finalize your loan

  • Vehicle documentation (e.g., purchase order, title) call (602) 335 - 5003 for details
  • Proof of insurance
  • Income verification may be required
  • Credit approval
  • Payoff information or lien release (applicable to private-party sales only)

Members with a Motorcycle Loan may save .25% APR by signing up for eStatements and making automatic payments from their Desert Schools checking account, and may request an auto insurance quote from Desert Schools Financial Services.

*APR = Annual Percentage Rate. Rate shown effective November 29, 2015 and may change without notice. Actual rates and APRs dependent upon credit history, type of product, loan term, and loan to value (LTV). All loans subject to credit approval.


What you should know before visiting a showroom or going on a test drive.

5 Golden Rules to Buying a New Car

Discover which financing option is best for you by answering these questions

Buy? Lease? Questions to Ask

Beyond the price, these factors help determine your entire new car investment

Calculating a Car's True Cost

Choosing a new or used car depends on what you consider important

What's Best: New or Used?