Utah Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Utah auto loan rates range from 2.49% to 5.99% APR, verified by MonitorBankRates as of October 13, 2026. 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: 0.10% 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: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT, 84403 2560A+5.0 ★Texas Ratio: 0.44% 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: 1.24% 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: 1.38% offering Fixed Rate Auto Loan at 4.24%. Auto loan rates as of October 13, 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: October 13, 2026
Compare Auto Loan Rates Today in Utah
Utah Auto Loan Rates
As Low As; Fixed
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
APR range: 3.95% - 15.25%; Rate Type: Fixed
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 4.10% - 15.40%; Rate Type: Fixed
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Model Year: 2018-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As
APR range: 4.25% - 15.55%; Rate Type: Fixed
Featured on homepage 'Your Rates' section; 'One number for all' - same rate for all members
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.30% - 15.70%; Rate Type: Fixed
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
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.
Model Year: Used 2026-2025; 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
Model Year: 2021-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
As Low As; Age of Vehicle: 2016-2026; Benefits: LOWEST RATE. No payment for 60 days
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
As Low As; Fixed APR
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.
Model Year: Used 2026-2025; 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.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
APR range: 4.60% - 15.90%; Rate Type: Fixed
As low as
As Low As; Model Year: 2016-2026
- Oct 9, 20264.69%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
- Oct 13, 20264.69%▲ from 4.34%
- Sep 14, 20264.34%first recorded
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
- Oct 13, 20264.69%▲ from 4.34%
- Sep 14, 20264.34%first recorded
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
- Oct 13, 20264.69%▲ from 4.34%
- Sep 14, 20264.34%first recorded
As Low As; Fixed APR
As Low As*
Value maximum: 110% NADA CLEAN RETAIL; higher rates may apply for members with an Experian FICO credit score less than 670
Model Year: 2016-2017; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; OAC
As Low As; Rates include a 0.25% discount for automatic payment. Rates subject to change without notice. A rate adjustment will be made for credit score, certain loan amounts, age of collateral, and loan-to-value. Processing fee may increase the APR.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only
Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only
As Low As; Fixed APR
As Low As
As Low As
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.
Model Year: Used 2026-2025; 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: Used 2026-2025; 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.
As Low As; Loan Type: Auto
- Oct 9, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Fixed
As Low As; Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.80% - 16.00%; Rate Type: Fixed
As Low As; Loan Term
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Model Year: 2016-2026
- Oct 9, 20264.94%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
- Oct 13, 20264.94%▲ from 4.59%
- Sep 17, 20264.59%first recorded
Credit Score: 800+; Vehicle Age: 6 - 9 Years (Model Years 2017 - 2020)
Credit Score: 800+; Vehicle age: 10 Or More Years; Secured loan; Model year 2016+
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
As Low As
As Low As
As Low As
Additional APR listed for this product: 5.24%. Model Year: 2019-2026
- Oct 6, 20264.99%▲ from 4.74%
- Sep 18, 20264.74%first recorded
As low as
- Oct 6, 20264.99%▼ from 5.24%
- Sep 18, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Value maximum: 110% NADA CLEAN RETAIL; higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
Effective 9/12/2023; Vehicle Year: 2026; Fixed APR
As Low As; Loan Type: Auto
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Auto Loans/Motorcycles; Discount: 0.25% for payroll deduction or automatic payment and 0.25% for Compass debit card use
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
- Oct 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Fixed; Rates for Utah
Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only
As Low As; Auto Year: 2024-2027; Loan amount under $20,000; Rate adjusts for longer term
As Low As; Auto Year: 2008-2010; Loan amount under $20,000; Rate adjusts for longer term
As Low As; Auto Year: 2008-2010; Loan amount over $20,000; Rate adjusts for longer term
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
As Low As; Fixed
As Low As; Fixed
As Low As; Fixed
Effective 3/26/2026
As Low As; Year: 2017 - Newer; Max Term: 60 Months
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Term: Up to 60 months (84k miles max); As Low As; Model Year: 2020 and Newer
Term: Up to 48 months (120k miles max); As Low As; Model Year: 2020 and Newer
As Low As; Model Year: 2020 and Newer
As Low As; Fixed APR
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 750 plus
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As
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.
Model Year: Used 2026-2025; 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.
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed; Effective 1/1/2026
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed; Effective 1/1/2026
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As*
Additional APR listed for this product: 5.49%. Model Year: 2019-2026
- Oct 6, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Annual Percentage Rate. Loans are subject to credit approval. Membership required. Based on eligibility.
- Sep 18, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
7 year term only: minimum loan $25,000; model years 2022-2025 only; must have Experian FICO credit score of 670 or greater; value maximum: 110% NADA CLEAN RETAIL
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Age of Vehicle: 2016-2026; Benefits: $12,000 or more. No payment for 60 days
Effective 9/12/2023; Vehicle Year: 2026; Value: over $25,000.00; Fixed APR
As Low As; New Auto, 12-60 Month Term
Includes cars, pickup trucks, SUVs, etc.
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
- Oct 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed; Rates for Utah
As Low As; Rates include a 0.25% discount for automatic payment. Rates subject to change without notice. A rate adjustment will be made for credit score, certain loan amounts, age of collateral, and loan-to-value. Processing fee may increase the APR.
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
- Oct 9, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Year: 2017 - Newer; Max Term: 72 Months
Term: Up to 72 months (60k miles max); As Low As; Model Year: 2020 and Newer
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Loan Type: Auto
- Oct 9, 20265.25%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
Model Year: 2015 & Older; Rates include a 0.50% discount for automatic payment.
- Oct 13, 20265.29%▲ from 4.29%
- Sep 18, 20264.29%first recorded
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As; Fixed
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Credit Score: A+ >740
Credit Grade: A+ >740
As Low As
As Low As
As Low As
As Low As
As low as
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
Effective 9/12/2023; Vehicle Year: 2020 - 2026; Value: High Book; Fixed APR
As Low As; Auto Loans/Motorcycles; Discount: 0.25% for payroll deduction or automatic payment and 0.25% for Compass debit card use
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Includes cars, pickup trucks, SUVs, etc.
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions
- Oct 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates include a 0.25% discount for automatic payment. Rates subject to change without notice. A rate adjustment will be made for credit score, certain loan amounts, age of collateral, and loan-to-value. Processing fee may increase the APR.
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
- Oct 9, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%first recorded
Effective 3/26/2026
As Low As; Year: 2017 - Newer; Max Term: 84 Months
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 700-749
Credit Score Dependent; Transunion Credit Score: 750 plus
Credit Score Dependent; Transunion Credit Score: 700-749
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed; Effective 1/1/2026
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed; Effective 1/1/2026
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
- Oct 13, 20265.69%▲ from 5.34%
- Sep 17, 20265.34%first recorded
As Low As; Model Year: 2005-2015
- Oct 9, 20265.71%▼ from 5.76%
- Sep 14, 20265.76%first recorded
Credit Score: A+ >740
Credit Grade: A+ >740
As Low As*
Model Year: 2016-2017; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Effective 9/12/2023; Vehicle Year: 2020 - 2026; Value: High Book; Fixed APR
As Low As; Auto Loans/Motorcycles; Discount: 0.25% for payroll deduction or automatic payment and 0.25% for Compass debit card use
As Low As; Auto Loans/Motorcycles; Discount: 0.25% for payroll deduction or automatic payment and 0.25% for Compass debit card use
As Low As; Fixed APR; $25,000 min.
Term: >$25,0000 for 84 months; As Low As
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As; Model Year: 2016-2026
- Oct 9, 20265.80%▼ from 6.00%
- Sep 14, 20266.00%first recorded
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.
Model Year: Used 2026-2025; 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 Score: A 690-739
Credit Grade: A 690-739
As Low As; Fixed
Credit Score: A+ >740
Model Year: 2006-2016
Model Year: 2006-2016
Utah New Auto Auto Loan Rates
As Low As; Fixed
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
APR range: 3.95% - 15.25%; Rate Type: Fixed
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR range: 4.10% - 15.40%; Rate Type: Fixed
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As
APR range: 4.25% - 15.55%; Rate Type: Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.30% - 15.70%; Rate Type: Fixed
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
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*
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.49% to 15.09%.
As Low As; Fixed APR
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.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
APR range: 4.60% - 15.90%; Rate Type: Fixed
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As; Fixed APR
As Low As*
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; OAC
As Low As; Fixed APR
As Low As
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.
As Low As; Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.80% - 16.00%; Rate Type: Fixed
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
As Low As
As Low As
As Low As
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); Published APR range: 4.99% to 15.79%.
As Low As; Fixed
As Low As; Fixed
As Low As; Year: 2017 - Newer; Max Term: 60 Months
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As
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.
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed; Effective 1/1/2026
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As*
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; New Auto, 12-60 Month Term
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Year: 2017 - Newer; Max Term: 72 Months
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
Model Year: 2015 & Older; Rates include a 0.50% discount for automatic payment.
- Oct 13, 20265.29%▲ from 4.29%
- Sep 18, 20264.29%first recorded
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Credit Grade: A+ >740
As Low As
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
As Low As; Year: 2017 - Newer; Max Term: 84 Months
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 700-749
Credit Score Dependent; Transunion Credit Score: 750 plus
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed; Effective 1/1/2026
Credit Grade: A+ >740
As Low As*
As Low As; Fixed APR; $25,000 min.
Term: >$25,0000 for 84 months; As Low As
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
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
As Low As; Fixed
Utah Used Auto Auto Loan Rates
APR range: 3.95% - 15.25%; Rate Type: Fixed
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 4.10% - 15.40%; Rate Type: Fixed
APR range: 4.25% - 15.55%; Rate Type: Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.30% - 15.70%; Rate Type: Fixed
Model Year: Used 2026-2025; 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
Published APR range: 4.49% to 16.89%. Loan amount $20,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 61-72 months (greater than or equal to $20,000); APR range: 4.49% to 15.39%
As Low As; Fixed APR
Model Year: Used 2026-2025; 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.
APR range: 4.60% - 15.90%; Rate Type: Fixed
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As; Fixed APR
As Low As*
As Low As; OAC
As Low As; Fixed APR
As Low As
Model Year: Used 2026-2025; 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: Used 2026-2025; 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.
As Low As; Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
APR range: 4.80% - 16.00%; Rate Type: Fixed
Published APR range: 4.99% to 17.59%. Loan amount $30,000 or more; boats, RVs, aircraft and motorcycle loans only
Term: 73-84 months (greater than or equal to $30,000); APR range: 4.99% to 16.09%
As Low As; Fixed
As Low As; Year: 2017 - Newer; Max Term: 60 Months
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR
Credit Score Dependent; Transunion Credit Score: 750 plus
Model Year: Used 2026-2025; 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.
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed; Effective 1/1/2026
Published APR range: 5.19% to 17.59%. Loan amount $50,000 or more; boats, RVs and aircraft loans only
As Low As*
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Year: 2017 - Newer; Max Term: 72 Months
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
Model Year: 2015 & Older; Rates include a 0.50% discount for automatic payment.
- Oct 13, 20265.29%▲ from 4.29%
- Sep 18, 20264.29%first recorded
Published APR range: 5.39% to 17.59%. Loan amount $75,000 or more; boats, RVs and aircraft loans only
As Low As; Fixed
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
As Low As
As Low As
As Low As
As Low As; Vehicle Year: 2017-2027; Advertised APR includes a 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
As Low As; Year: 2017 - Newer; Max Term: 84 Months
Credit Score Dependent; Transunion Credit Score: 700-749
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Published APR range: 5.59% to 17.59%. Loan amount $100,000 or more; boats, RVs and aircraft loans only
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed; Effective 1/1/2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As*
As Low As; Fixed APR; $25,000 min.
As Low As; Rates based on a FICO score 720 or above and subject to change; APR shown with 0.25% discount for automatic payment transfers and for having a checking account; Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance; 120% Financing of Low Kelly Blue Book Value
Model Year: Used 2026-2025; 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.
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 fell 0.092 points over the past 7 days to 5.288% APR.
Utah used auto rates fell 0.035 points over the past 7 days to 5.648% 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 @ 5.29% APR UT average | Used Auto @ 5.65% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.05/mo | $287.54/mo | $2.49/mo |
| $25,000 | $475.09/mo | $479.23/mo | $4.15/mo |
| $35,000 | $665.12/mo | $670.93/mo | $5.80/mo |
| $45,000 | $855.16/mo | $862.62/mo | $7.46/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 $570 monthly car payment works out to roughly 15.7% of the median individual income in Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 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 to 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 to 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.
Bad Credit Auto Loans in Utah
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
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?
Can I get an auto loan with bad credit in Utah?
What is the average car loan rate for bad credit?
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: 3.84% (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
