Utah Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Utah include P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356A+5.0 ★Texas Ratio: 0.19% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT, 84403 2560A+5.0 ★Texas Ratio: 2.02% offering New or Used Auto at 3.95%, Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 0.99% offering New and Used Other Vehicle Loans at 3.99%, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 2.10% offering Fixed Rate Auto Loan at 4.24%. Auto loan rates as of September 21, 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 2.49% APR from P&S Credit Union at 2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356. Rates are continually updated, so 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: September 21, 2026
Compare Auto Loan Rates Today in Utah
Utah Auto Loan Rates
As Low As; Fixed
as low as; Loan Term
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
as low as; Loan Term
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
minimum $20,000
Age of Vehicle: 2016-2026; Benefits: LOWEST RATE. No payment for 60 days; As Low As
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As*
As Low As
APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.
Term: Up to 84 Months (minimum $20,000); minimum $20,000
Age of Vehicle: 2016-2026; Benefits: No payment for 60 days; As Low As
As Low As; *
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As low as
As low as
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Fixed. Your rate will be based on your credit score at the time the loan is requested.
as low as; Loan Term
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed
As Low As
As Low As
As Low As*
Model Year: 2019-2026
Model Year: 2019-2026
Age of Vehicle: 2016-2026; Benefits: No payment for 60 days; As Low As
As Low As; Model Year: 2016-2026
As Low As; OAC*
As Low As; Fixed
As Low As; Fixed
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Term: 60 months or less (term); Credit Score: 800+
Credit Grade: A+; FICO Score: 730+
Advertised APR includes 0.25% loan rate discount with Personal Checking. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As; Fixed
As Low As; Fixed
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027; As Low As
Model Year: 2020 and Newer; Max mileage: 84k miles
Model Year: 2020 and Newer; Max mileage: 120k miles
Model Year: 2020 and Newer
As Low As; Fixed
As Low As
As Low As
As Low As
Model Year: 2019-2026
Model Year: 2019-2026
As low as; Model Year: 2020 & Newer
Age of Vehicle: 2016-2026; Benefits: $12,000 or more. No payment for 60 days; As Low As
Vehicle Year: 2026
As Low As; Model Year: 2016-2026
As low as
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
As low as
Vehicle Year: 2017-2027
as low as
As Low As; Fixed
As Low As; *
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
Term: 60-months/100% retail value; Credit Score Tier: A plus (750 plus)
Credit Score Tier: A plus (750 plus)
As low as
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Year of Vehicle: 2022-2024; Rate Type: Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
as low as; Loan Term
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
Credit Grade: A+; FICO Score: 730+
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027
Model Year: 2020 and Newer; Max mileage: 60k miles
As Low As*
Model Year: 2019-2026
Rates current as of September 18, 2026. Loans are subject to credit approval. Membership required. Based on eligibility.
As low as; Model Year: 2020 & Newer
Vehicle Year: 2026; Value: over $25,000.00
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Vehicle Year: 2017-2027
as low as
As Low As; Fixed
As Low As; *
Term: 60 months or less (term); Credit Score: 730-799
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Grade: A; FICO Score: 680-729
As Low As; Year: 2017 - Newer
As Low As
As Low As
As Low As
As Low As
As low as; Model Year: 2020 & Newer
Vehicle Year: 2020 - 2026; Value: High Book
As low as
Credit Grade: A+ >740
Credit Grade: A+ >740
Term: 60-months/100% retail value; Credit Score Tier: A (700-749)
Term: 72-months/100% retail value; Credit Score Tier: A plus (750 plus)
Credit Score Tier: A (700-749)
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Year of Vehicle: 2022-2024; Rate Type: Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below
Credit Grade: A; FICO Score: 680-729
As Low As; Fixed
As Low As*
Model Year: 2019-2026
Model Year: 2011-2018
minimum $20,000
Age of Vehicle: 2016-2026; Benefits: $25,000 or more. No payment for 60 days; As Low As
Vehicle Year: 2020 - 2026; Value: High Book
As low as
As low as
Credit Grade: A+ >740
Credit Grade: A+ >740
Term: 60 months or less (term); Credit Score: 700-729
Term: >$25,0000 for 84 months; As Low As; Used Auto**
As Low As; Model Year: 2005-2015
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Credit Grade: A 690-739
Credit Grade: A 690-739
As Low As; Fixed
Term: 60 months or less (term); Credit Score: 651-699
As Low As; Year: 2013 - 2016
Vehicle Year: 2017-2027
Model Year: 2020 and Newer; Max mileage: 36k miles; Min loan: $30k
Term: Refer to mileage guidelines above; Model Year: 2019 - 2015
Model Year: 2019-2026
Model Year: 2011-2018
Model Year: 2011-2018
As low as; Model Year: 2020 & Newer
As low as; Model Year: 2019 & Older
As low as
Utah New Auto Auto Loan Rates
As Low As; Fixed
as low as; Loan Term
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
as low as; Loan Term
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As*
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed
As Low As
As Low As*
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Advertised APR includes 0.25% loan rate discount with Personal Checking. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As; Fixed
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027; As Low As
As Low As; Fixed
As Low As
As Low As
As Low As
As low as
Vehicle Year: 2017-2027
as low as
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
Term: 60-months/100% retail value; Credit Score Tier: A plus (750 plus)
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Year of Vehicle: 2022-2024; Rate Type: Fixed
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027
As Low As*
Vehicle Year: 2017-2027
as low as
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Year: 2017 - Newer
As Low As
Credit Grade: A+ >740
Term: 60-months/100% retail value; Credit Score Tier: A (700-749)
Term: 72-months/100% retail value; Credit Score Tier: A plus (750 plus)
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
Year of Vehicle: 2022-2024; Rate Type: Fixed
As Low As; Fixed
As Low As*
Credit Grade: A+ >740
Term: >$25,0000 for 84 months; As Low As; Used Auto**
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Grade: A 690-739
As Low As; Fixed
As Low As; Year: 2013 - 2016
Vehicle Year: 2017-2027
Utah Used Auto Auto Loan Rates
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As*
As Low As
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed
As Low As
As Low As*
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Advertised APR includes 0.25% loan rate discount with Personal Checking. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
As Low As; Fixed
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027; As Low As
As Low As; Fixed
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Vehicle Year: 2017-2027
as low as
Credit Score Tier: A plus (750 plus)
Year of Vehicle: 2015-2021; Rate Type: Fixed
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only
As Low As; Year: 2017 - Newer
Vehicle Year: 2017-2027
As Low As*
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Vehicle Year: 2017-2027
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Model Year: 2021 - 2026; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only
As Low As; Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Year: 2017 - Newer
As Low As
As Low As
As Low As
Credit Score Tier: A (700-749)
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Year of Vehicle: 2015-2021; Rate Type: Fixed
As Low As; Fixed
As Low As*
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Year: 2013 - 2016
Vehicle Year: 2017-2027
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.
Utah new auto rates rose 0.170 points over the past 7 days to 6.755% APR.
Utah used auto rates rose 0.138 points over the past 7 days to 6.067% APR.
Utah Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Utah APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.76% APR UT average | Used Auto @ 6.07% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $295.29/mo | $290.46/mo | $4.83/mo |
| $25,000 | $492.15/mo | $484.10/mo | $8.05/mo |
| $35,000 | $689.00/mo | $677.73/mo | $11.27/mo |
| $45,000 | $885.86/mo | $871.37/mo | $14.49/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Utah
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Utah locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Utah. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Utah high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Utah CD rates lock in a guaranteed return until you’re ready to buy
Utah Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $591 monthly car payment works out to roughly 16.2% of the median individual income in Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Utah, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Utah. We’ve prefilled the APR with today’s UT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Utah?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Utah?
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Education 1st Credit Union: 3.95% (New or Used Auto)
- Delta Community Credit Union: 3.99% (New and Used Other Vehicle Loans)
- West Branch Valley Federal Credit Union: 4.24% (Fixed Rate Auto Loan)
Auto Loan Rates by City in Utah
