Auto Loan Rates in Utah (UT) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.49% offering New and Used Other Vehicle Loans at 3.69%, 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%, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 3.04% offering Fixed Rate Auto Loan 2018- 2027 Model Year at 3.99%, 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 at 4.49%. Auto loan rates as of June 1, 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 3.24% APR from Baxter Credit Union at 12050 S Lone Peak Pkwy, Draper, UT, 84020 9414. 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: June 1, 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
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 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 UpdatedMay 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedMay 29, 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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMay 29, 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
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 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
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 23, 2026
Details
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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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 UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
147 26th st, Ogden, UT, 84401
Auto Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 30, 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 Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 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
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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 UpdatedMay 23, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 2026
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
2016-2026 Vehicle Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 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 UpdatedMay 23, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
147 26th st, Ogden, UT, 84401
Auto Loans 60 Months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 30, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
AUTO LOANS NEW & USED
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; APR OAC*
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 UpdatedMay 30, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJun 1, 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
▼
APR4.74%
Term5 Years
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months
4.74%
5 Years / 60 Months
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJun 1, 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
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 24 months
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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.89%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR4.89%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; 24 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As; Credit Grade A+, 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
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 21, 2026
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
4140 HARRISON BLVD, OGDEN, UT, 84403
Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 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 Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedMay 22, 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
2016-2026 Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
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 UpdatedMay 23, 2026
Details
As Low As
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 UpdatedMay 23, 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
2016 & Newer Auto Loan
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 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 UpdatedMay 29, 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
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As low as GoldStar® Auto Loan; Rate is 0.25% higher for non-GoldStar® members
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
273 W 500 S, Bountiful, UT, 84010
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 30, 2026
Details
New Auto, 12-60 Month Term
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
147 26th st, Ogden, UT, 84401
Auto Loans 72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
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 UpdatedMay 30, 2026
Details
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 car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
As Low As
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 UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 1, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJun 1, 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 Years / 72 Months
4.99%
6 Years / 72 Months
▼
APR4.99%
Term6 Years / 72 Months
Last UpdatedJun 1, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.09%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR5.09%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2015-2021
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJun 1, 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
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 21, 2026
Details
Credit Grade A+, 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
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 21, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 23, 2026
Details
As Low As; 84k miles max
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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
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 car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
As Low As
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 UpdatedMay 30, 2026
Details
As Low As
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 UpdatedMay 30, 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
60-mo Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 30, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJun 1, 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
▼
APR5.24%
Term6 Years
Last UpdatedJun 1, 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 Years / 72 Months
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJun 1, 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
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.29%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR5.29%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
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
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As; Credit Grade A, FICO Score 680-729
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
A+ >740
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 UpdatedMay 23, 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
2016 & Newer Auto Loan
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedMay 23, 2026
Details
Rates include a 0.50% discount for automatic payment.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedMay 23, 2026
Details
As Low As; 60k miles max
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 UpdatedMay 23, 2026
Details
As Low As; 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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; up to 72 months
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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; up to 72 months
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2016 - 2017 Model Year
5.49%
2017 Mo
▼
APR5.49%
Term2017 Mo
Last UpdatedMay 29, 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
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 29, 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%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 1, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Auto Loans
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 23, 2026
Details
Our auto loans are a low 5.64% APR for 60 months for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Vehicle - 60 month term Loan
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2015-2021
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loan
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMay 23, 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
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 21, 2026
Details
Credit Grade A, FICO Score 680-729
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
A+ >740
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 UpdatedMay 23, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
147 26th st, Ogden, UT, 84401
Auto Loans 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 30, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.74%
7 Years
▼
APR5.74%
Term7 Years
Last UpdatedJun 1, 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 Years / 48 Months Older Model
5.74%
4 Years / 48 Months
▼
APR5.74%
Term4 Years / 48 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 7 Years / 84 Months
5.74%
7 Years / 84 Months
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans Older Model
5.74%
4 Years
▼
APR5.74%
Term4 Years
Last UpdatedJun 1, 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
2005-2015 Vehicle Loan
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
As Low As; 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
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
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
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
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 UpdatedMay 21, 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
Used Automobile > 5 years (Based on age of vehicle - 1% additional for each year above 5 years using risk-based scale)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 22, 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 Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 22, 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
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
A+ >740
Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
280 E 12300 S, Draper, UT, 84020
Older Car and Truck - Purchase, Refinance or Title Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
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 UpdatedMay 23, 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
2015 & Older Auto Loan
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedMay 23, 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
2016 & Newer Auto Loan
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedMay 23, 2026
Details
Rates include a 0.50% discount for automatic payment.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans
5.99%
Up to 84 mo
▼
APR5.99%
TermUp to 84 mo
Last UpdatedMay 23, 2026
Details
As Low As; 36k miles max, $30k min
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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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 UpdatedMay 29, 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
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 29, 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
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 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
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 30, 2026
Details
As Low As
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 UpdatedMay 30, 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
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 30, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 1, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedJun 1, 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
▼
APR5.99%
Term7 Years
Last UpdatedJun 1, 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 Years / 48 Months Older Model
5.99%
4 Years / 48 Months
▼
APR5.99%
Term4 Years / 48 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months Older Model
5.99%
5 Years / 60 Months
▼
APR5.99%
Term5 Years / 60 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 7 Years / 84 Months
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans Older Model
5.99%
4 Years
▼
APR5.99%
Term4 Years
Last UpdatedJun 1, 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
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 1, 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
2016-2026 Vehicle Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 22, 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
6.09%
7 Years
▼
APR6.09%
Term7 Years
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 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
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 29, 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 UpdatedMay 30, 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
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedJun 1, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months Older Model
6.24%
5 Years / 60 Months
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans Older Model
6.24%
5 Years
▼
APR6.24%
Term5 Years
Last UpdatedJun 1, 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%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
500 E 1400 N, Logan, UT, 84341
2005-2015 Vehicle Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMay 22, 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
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 22, 2026
Details
As Low As; 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
Auto Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 23, 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
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
A+ >740
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 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 23, 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 (Branded/Rebuilt Title) Auto Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 29, 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 UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 6 Years / 72 Months Older Model
6.49%
6 Years / 72 Months
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans Older Model
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedJun 1, 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
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJun 1, 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
6.59%
72 Months
▼
APR6.59%
Term72 Months
Last UpdatedMay 23, 2026
Details
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
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As; Credit Grade B, FICO Score 640-679
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 UpdatedMay 23, 2026
Details
A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedJun 1, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans 6 Years / 72 Months Older Model
6.74%
6 Years / 72 Months
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJun 1, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans Older Model
6.74%
6 Years
▼
APR6.74%
Term6 Years
Last UpdatedJun 1, 2026
Details
As Low As
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 UpdatedMay 18, 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%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
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 UpdatedMay 23, 2026
Details
A 690-739
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
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 21, 2026
Details
Credit Grade B, FICO Score 640-679
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans
6.99%
Refer to mileage guidelines above
▼
APR6.99%
TermRefer to mileage guidelines above
Last UpdatedMay 23, 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 UpdatedMay 23, 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 (Branded/Rebuilt Title) Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 29, 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
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
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 UpdatedMay 18, 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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 30, 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
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
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 UpdatedMay 23, 2026
Details
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
7.49%
120 Months
▼
APR7.49%
Term120 Months
Last UpdatedMay 23, 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 8+ Years Old
7.49%
24 - 36
▼
APR7.49%
Term24 - 36
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 21, 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 8+ Years Old
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
A+ >740
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 UpdatedMay 30, 2026
Details
$30,000; 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
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 36 months
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
▼
APR7.99%
Term24 - 36
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedMay 31, 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 8+ Years Old
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 31, 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 8+ Years Old
8.49%
60 Months
▼
APR8.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedMay 31, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Used Auto Loan
8.74%
72 Months
▼
APR8.74%
Term72 Months
Last UpdatedMay 23, 2026
Details
A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedMay 31, 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 8+ Years Old
8.99%
72 Months
▼
APR8.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
A 690-739
Powered by
MonitorBankRates
Utah New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 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 UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 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
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 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
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 23, 2026
Details
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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
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 UpdatedMay 23, 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 UpdatedMay 23, 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 Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 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
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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 UpdatedMay 23, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 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
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
AUTO LOANS NEW & USED
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; APR 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
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 24 months
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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.89%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR4.89%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 21, 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 Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedMay 22, 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
2016 & Newer Auto Loan
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 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 UpdatedMay 29, 2026
Details
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 UpdatedMay 30, 2026
Details
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 car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.09%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR5.09%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2022-2024
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
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 21, 2026
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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
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 car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 30, 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 UpdatedMay 30, 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
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.29%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR5.29%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
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 UpdatedMay 23, 2026
Details
A+ >740
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
2016 & Newer Auto Loan
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As; 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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; up to 72 months
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 UpdatedMay 29, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2022-2024
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 UpdatedMay 23, 2026
Details
A+ >740
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 UpdatedMay 23, 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 UpdatedMay 22, 2026
Details
As Low As; 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
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedMay 23, 2026
Details
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
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
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 UpdatedMay 21, 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
2016 & Newer Auto Loan
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 29, 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
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 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
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 30, 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
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 22, 2026
Details
As Low As; 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 UpdatedMay 23, 2026
Details
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 UpdatedMay 18, 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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 23, 2026
Details
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 UpdatedMay 21, 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 UpdatedMay 23, 2026
Details
A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedMay 31, 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
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedMay 23, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 31, 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
8.49%
96 Months
▼
APR8.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedMay 31, 2026
Details
Powered by
MonitorBankRates
Utah Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 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 UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.19%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.19%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 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
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 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
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 23, 2026
Details
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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
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 UpdatedMay 23, 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 UpdatedMay 23, 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 Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 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
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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 UpdatedMay 23, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.69%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR4.69%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedMay 31, 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
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
AUTO LOANS NEW & USED
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; APR OAC*
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 UpdatedMay 23, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
4.89%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR4.89%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; 24 months
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
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 21, 2026
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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 30, 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 UpdatedMay 30, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.09%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR5.09%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2015-2021
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
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 21, 2026
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 UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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 UpdatedMay 30, 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
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
5.29%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR5.29%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedMay 31, 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
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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 UpdatedMay 23, 2026
Details
As Low As; 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%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; up to 72 months
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Vehicle - 60 month term Loan
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Year of Vehicle: 2015-2021
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 UpdatedMay 23, 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 UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
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 UpdatedMay 21, 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
Used Automobile > 5 years (Based on age of vehicle - 1% additional for each year above 5 years using risk-based scale)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 22, 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 Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 22, 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
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; 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 UpdatedMay 23, 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
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 30, 2026
Details
As Low As
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 UpdatedMay 23, 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 UpdatedMay 30, 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%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
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 UpdatedMay 22, 2026
Details
As Low As; 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 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 23, 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 UpdatedMay 30, 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%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
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 UpdatedMay 23, 2026
Details
As Low As
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 UpdatedMay 18, 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
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
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 UpdatedMay 21, 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%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 36 months
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 31, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedMay 31, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Used Auto Loan
8.74%
72 Months
▼
APR8.74%
Term72 Months
Last UpdatedMay 23, 2026
Details
A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedMay 31, 2026
Details
Powered by
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
6.033%
▼ 0.528 vs 7 days ago
Utah new auto rates fell 0.528 points over the past 7 days to 6.033% APR.
Used Auto Loan — UT Avg
7.524%
Unchanged vs 7 days ago
Utah used auto loan rates currently average 7.524% APR.
As of Jun 4, 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:
- Baxter Credit Union: 3.24% (Auto Loans)
- Delta Community Credit Union: 3.69% (New and Used Other Vehicle Loans)
- Education 1st Credit Union: 3.95% (New or Used Auto)
- West Branch Valley Federal Credit Union: 3.99% (Fixed Rate Auto Loan 2018- 2027 Model Year)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
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: June 1, 2026
Auto Loan Rates by City in Utah
Rate Assistant
MonitorBankRates.com · Live Data
Try asking