Auto Loan Rates in Utah (UT) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Utah include Utah First Federal Credit UnionUtah First Federal Credit Union200 E South Temple, Salt Lake City, UT, 84111A+5.0 ★Texas Ratio: 1.94% offering Auto Loan - Up To 60 Months - Credit Grade A+ at 3.50%, Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT, 84403 2560A+5.0 ★Texas Ratio: 1.08% offering New or Used Auto at 3.95%, Koin Credit UnionKoin Credit Union420 E South Temple Ste 520, Salt Lake City, UT, 84111A+5.0 ★Texas Ratio: 3.16% offering New Auto at 4.25%, Members First Credit UnionMembers First Credit Union120 E 1000 S, Brigham City, UT, 84302 4357A+5.0 ★Texas Ratio: 0.57% offering Auto Loan New/Used 2015 - Newer at 4.49%, Texas Health Credit UnionTexas Health Credit Union4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120A5.0 ★Texas Ratio: 8.57% offering New and Used Vehicles Loan at 4.49%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Utah side-by-side. Utah auto loan rates currently start as low as 3.50% APR from Utah First Federal Credit Union at 200 E South Temple, Salt Lake City, UT, 84111. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Utah. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Utah
Utah Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade A+
3.50%
Up To 60 Months
▼
APR3.50%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 730+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.95%
24 months
▼
APR3.95%
Term24 months
Last UpdatedJul 7, 2026
Details
Fixed
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade A+
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 730+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade A
4.00%
Up To 60 Months
▼
APR4.00%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 680-729
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.10%
36 months
▼
APR4.10%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 7, 2026
Details
Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.30%
60 months
▼
APR4.30%
Term60 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade A
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 680-729
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Autos (2022 and newer)
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.60%
72 months
▼
APR4.60%
Term72 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedJul 14, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.74%
5 Years / 60 Months
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJul 14, 2026
Details
As Low As; Model Year: 2019-2026
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
Auto Loan
4.74%
60 Month
▼
APR4.74%
Term60 Month
Last UpdatedJul 15, 2026
Details
New & Used, As Low As; OAC*
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
60-mo Auto Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 15, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
4.74%
24 to 48 Months
▼
APR4.74%
Term24 to 48 Months
Last UpdatedJul 15, 2026
Details
APR*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 15, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.80%
84 months
▼
APR4.80%
Term84 months
Last UpdatedJul 7, 2026
Details
Fixed
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
4.99%
5 yrs
▼
APR4.99%
Term5 yrs
Last UpdatedJul 7, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
4.99%
Up to 60 months (84k miles max)
▼
APR4.99%
TermUp to 60 months (84k miles max)
Last UpdatedJul 7, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJul 14, 2026
Details
As Low As; Model Year: 2019-2026
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 14, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
GoldStar® Auto Loan
4.99%
60 month term
▼
APR4.99%
Term60 month term
Last UpdatedJul 15, 2026
Details
As low as GoldStar® Auto Loan 4.99% APR - 60 month term Rate is 0.25% higher for non-GoldStar® members
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
4140 HARRISON BLVD, OGDEN, UT, 84403
Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedJul 15, 2026
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
273 W 500 S, Bountiful, UT, 84010
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 15, 2026
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3012 S 1900 W, Ogden, UT, 84401
Auto loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 15, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.24%
Up to 72 months (60k miles max)
▼
APR5.24%
TermUp to 72 months (60k miles max)
Last UpdatedJul 7, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.24%
67 to 72 Months
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 7, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJul 14, 2026
Details
As Low As; Model Year: 2019-2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade B
5.25%
Up To 60 Months
▼
APR5.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 640-679
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.49%
6 yrs
▼
APR5.49%
Term6 yrs
Last UpdatedJul 7, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 14, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Autos (2015-2021)
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
APR*
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
5.65%
60 months
▼
APR5.65%
Term60 months
Last UpdatedJul 10, 2026
Details
As low as 5.49% APR with Premier Checking; Flexible terms up to 120 months. Great rates for all no matter your credit score. Skip up to one payment per year.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 7, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.74%
7 Years / 84 Months
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJul 14, 2026
Details
As Low As; Model Year: 2019-2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
Auto Loan
5.74%
84 MO
▼
APR5.74%
Term84 MO
Last UpdatedJul 15, 2026
Details
7 YR New & Used; As Low As; OAC*
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade B
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 640-679
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan
5.76%
36 months
▼
APR5.76%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 2005-2015
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Autos (2022 and newer)
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.99%
7 yrs
▼
APR5.99%
Term7 yrs
Last UpdatedJul 7, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2019 - 2015
5.99%
Refer to mileage guidelines above
▼
APR5.99%
TermRefer to mileage guidelines above
Last UpdatedJul 7, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.99%
Up to 84 mo (36k miles max, $30k min)
▼
APR5.99%
TermUp to 84 mo (36k miles max, $30k min)
Last UpdatedJul 7, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJul 14, 2026
Details
As Low As; Model Year: 2019-2026
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 14, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.09%
7 Years
▼
APR6.09%
Term7 Years
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.24%
5 Years / 60 Months
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJul 14, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
All Terrain Vehicle Loan
6.24%
Up to 72 months
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
10 years or newer
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
APR*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; 2005-2015
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.34%
60 months
▼
APR6.34%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
6.49%
84 month
▼
APR6.49%
Term84 month
Last UpdatedJul 10, 2026
Details
As low as 5.49% APR with Premier Checking; Flexible terms up to 120 months. Great rates for all no matter your credit score. Skip up to one payment per year.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.49%
6 Years / 72 Months
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJul 14, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older (Branded/Rebuilt Title)
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Fixed
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.59%
72 months
▼
APR6.59%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.74%
6 Years / 72 Months
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJul 14, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2014 and Older
6.99%
Refer to mileage guidelines above
▼
APR6.99%
TermRefer to mileage guidelines above
Last UpdatedJul 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
Fixed
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
7.34%
84 months
▼
APR7.34%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
7.49%
120 month
▼
APR7.49%
Term120 month
Last UpdatedJul 10, 2026
Details
As low as 5.49% APR with Premier Checking; Flexible terms up to 120 months. Great rates for all no matter your credit score. Skip up to one payment per year.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.49%
24 - 36 months
▼
APR7.49%
Term24 - 36 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 15, 2026
Details
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.99%
24 - 36 months
▼
APR7.99%
Term24 - 36 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJul 10, 2026
Details
Limited Time Special***; Credit Score: B 660-689
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade C
8.25%
Up To 60 Months
▼
APR8.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 600-639
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.49%
60 months
▼
APR8.49%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
8.74%
72 Months
▼
APR8.74%
Term72 Months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade C
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 600-639
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
8.99%
120 Months
▼
APR8.99%
Term120 Months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.99%
72 months
▼
APR8.99%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
9.24%
72 Months
▼
APR9.24%
Term72 Months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
9.49%
120 Months
▼
APR9.49%
Term120 Months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
9.74%
24 - 36 months
▼
APR9.74%
Term24 - 36 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
9.99%
144 Months
▼
APR9.99%
Term144 Months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
9.99%
48 months
▼
APR9.99%
Term48 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Commercial Vehicle Loans
10.00%
3 Year / 36 Months
▼
APR10.00%
Term3 Year / 36 Months
Last UpdatedJul 14, 2026
Details
Model Year: 2018-2025
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
10.24%
72 Months
▼
APR10.24%
Term72 Months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
10.24%
60 months
▼
APR10.24%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
10.49%
120 Months
▼
APR10.49%
Term120 Months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
10.74%
72 months
▼
APR10.74%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
10.99%
144 Months
▼
APR10.99%
Term144 Months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
11.49%
7 Years
▼
APR11.49%
Term7 Years
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.49%
2 Years
▼
APR11.49%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
11.74%
60 months
▼
APR11.74%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.74%
72 months
▼
APR11.74%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
11.99%
72 months
▼
APR11.99%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade D
12.25%
Up To 60 Months
▼
APR12.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 550-599
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade D
12.75%
72 Months
▼
APR12.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 550-599
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
12.99%
72 Months
▼
APR12.99%
Term72 Months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
12.99%
84 months
▼
APR12.99%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
13.24%
120 Months
▼
APR13.24%
Term120 Months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
13.74%
144 Months
▼
APR13.74%
Term144 Months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
13.74%
96 months
▼
APR13.74%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
14.49%
24 - 36 months
▼
APR14.49%
Term24 - 36 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
14.99%
48 months
▼
APR14.99%
Term48 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
15.49%
60 months
▼
APR15.49%
Term60 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
16.24%
72 months
▼
APR16.24%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - Up To 60 Months - Credit Grade E
16.25%
Up To 60 Months
▼
APR16.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score <549
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan - 61-72 Months - Credit Grade E
16.75%
72 Months
▼
APR16.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score <549
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
18.00%
72 Months
▼
APR18.00%
Term72 Months
Last UpdatedJul 10, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
18.00%
7 Years
▼
APR18.00%
Term7 Years
Last UpdatedJul 10, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
18.00%
24 - 36 months
▼
APR18.00%
Term24 - 36 months
Last UpdatedJul 10, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Utah New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.95%
24 months
▼
APR3.95%
Term24 months
Last UpdatedJul 7, 2026
Details
Fixed
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.10%
36 months
▼
APR4.10%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 7, 2026
Details
Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.30%
60 months
▼
APR4.30%
Term60 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Autos (2022 and newer)
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.60%
72 months
▼
APR4.60%
Term72 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.80%
84 months
▼
APR4.80%
Term84 months
Last UpdatedJul 7, 2026
Details
Fixed
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
4.99%
Up to 60 months (84k miles max)
▼
APR4.99%
TermUp to 60 months (84k miles max)
Last UpdatedJul 7, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
273 W 500 S, Bountiful, UT, 84010
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.24%
Up to 72 months (60k miles max)
▼
APR5.24%
TermUp to 72 months (60k miles max)
Last UpdatedJul 7, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.24%
67 to 72 Months
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 7, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 7, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Autos (2022 and newer)
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.99%
Up to 84 mo (36k miles max, $30k min)
▼
APR5.99%
TermUp to 84 mo (36k miles max, $30k min)
Last UpdatedJul 7, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJul 10, 2026
Details
Limited Time Special***; Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.49%
2 Years
▼
APR11.49%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.74%
72 months
▼
APR11.74%
Term72 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
13.74%
96 months
▼
APR13.74%
Term96 months
Last UpdatedJul 10, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJul 10, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Utah Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.95%
24 months
▼
APR3.95%
Term24 months
Last UpdatedJul 7, 2026
Details
Fixed
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.10%
36 months
▼
APR4.10%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 7, 2026
Details
Fixed
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.30%
60 months
▼
APR4.30%
Term60 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 7, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.60%
72 months
▼
APR4.60%
Term72 months
Last UpdatedJul 7, 2026
Details
Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
4.74%
49 to 66 Months
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 7, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.80%
84 months
▼
APR4.80%
Term84 months
Last UpdatedJul 7, 2026
Details
Fixed
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.24%
67 to 72 Months
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 7, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Autos (2015-2021)
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles Loan
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 7, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 7, 2026
Details
Vehicle Year: 2017-2027
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
730 E 300 S, Springville, UT, 84663
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
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MonitorBankRates
Utah Auto Loan Rate Trends
Compare local Utah auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — UT Avg
6.749%
▲ 0.164 vs 7 days ago
Utah new auto rates rose 0.164 points over the past 7 days to 6.749% APR.
Used Auto Loan — UT Avg
5.977%
▲ 0.190 vs 7 days ago
Utah used auto rates rose 0.190 points over the past 7 days to 5.977% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utah auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Utah directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Utah. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in UT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Utah
How does my credit score affect my car loan rate in Utah?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Utah with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Utah *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Utah typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Utah?
Based on our current data, some of the lowest auto loan rates available in Utah include:
- Utah First Federal Credit Union: 3.50% (Auto Loan - Up To 60 Months - Credit Grade A+)
- Education 1st Credit Union: 3.95% (New or Used Auto)
- Koin Credit Union: 4.25% (New Auto)
- Members First Credit Union: 4.49% (Auto Loan New/Used 2015 - Newer)
- Texas Health Credit Union: 4.49% (New and Used Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Utah
Rate Assistant
MonitorBankRates.com · Live Data
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