Auto Loan Rates in Kaysville, Utah (UT) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kaysville, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kaysville, Utah include America First Federal Credit UnionAmerica First Federal Credit Union326 N Main St, Kaysville, UT, 84037 1106A5.0 ★Texas Ratio: 8.12% offering Auto Loan at 4.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit UnionA+5.0 ★Texas Ratio: 3.24% offering Fixed Rate Auto Loan 2018- 2027 Model Year at 3.99%, Members First Credit UnionMembers First Credit UnionA+5.0 ★Texas Ratio: 0.58% offering Auto Loan at 4.49%, Texas Health Credit UnionTexas Health Credit UnionA5.0 ★Texas Ratio: 8.83% offering New and Used Vehicles at 4.49%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Kaysville has 1 local institution in our database, with auto loan rates as low as 4.99% APR from America First Federal Credit Union at 326 N Main St, Kaysville, UT, 84037 1106. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kaysville, Utah. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Kaysville, Utah & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
326 N Main St, Kaysville, UT, 84037 1106
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
326 N Main St, Kaysville, UT, 84037 1106
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
326 N Main St, Kaysville, UT, 84037 1106
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
326 N Main St, Kaysville, UT, 84037 1106
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
326 N Main St, Kaysville, UT, 84037 1106
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 18, 2026
Details
$30,000; As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
New/Used 2015 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
AUTO LOANS
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR OAC*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 24 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 800+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
GoldStar® Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate is 0.25% higher for non-GoldStar® members
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 18, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedApr 18, 2026
Details
New Auto, 12-60 Month Term
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 18, 2026
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Auto loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
4.99%
5 yrs
▼
APR4.99%
Term5 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As; 24 months
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 5 Years / 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
APR5.19%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
60-mo Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
5.24%
5 Years / 60 Months
▼
APR5.24%
Term5 Years / 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 6 Years / 72 Months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedApr 18, 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.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2016 - 2017 Model Year
5.49%
2017 Mo
▼
APR5.49%
Term2017 Mo
Last UpdatedApr 18, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedApr 18, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
5.49%
6 yrs
▼
APR5.49%
Term6 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 36 months
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
5.49%
6 Years / 72 Months
▼
APR5.49%
Term6 Years / 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.49%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Auto Loans
5.64%
60 months
▼
APR5.64%
Term60 months
Last UpdatedApr 19, 2026
Details
Low Interest Rates; for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loan
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedApr 18, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
A+ >740
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedApr 18, 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: 9.83%
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
5.84%
24 Months
▼
APR5.84%
Term24 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
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 UpdatedApr 18, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedApr 18, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Older Car and Truck - Purchase, Refinance or Title Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
5.99%
7 yrs
▼
APR5.99%
Term7 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 72 months
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 36 months
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 4 Years / 48 Months Older Model
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 7 Years / 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
6.09%
7 Years
▼
APR6.09%
Term7 Years
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.09%
24 Months
▼
APR6.09%
Term24 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loan Older Model
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
6.24%
7 Years / 84 Months
▼
APR6.24%
Term7 Years / 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 5 Years / 60 Months Older Model
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; >$25,0000 for 84 months
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.34%
72 Months
▼
APR6.34%
Term72 Months
Last UpdatedApr 18, 2026
Details
B 660-689
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedApr 18, 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.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loan Older Model
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
6.49%
5 Years / 60 Months Older Model
▼
APR6.49%
Term5 Years / 60 Months Older Model
Last UpdatedApr 19, 2026
Details
As Low As
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
6.59%
72 Months
▼
APR6.59%
Term72 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
6.74%
6 Years / 72 Months Older Model
▼
APR6.74%
Term6 Years / 72 Months Older Model
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans 6 Years / 72 Months Older Model
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 72 months
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loan Older Model
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Auto Loans
6.99%
6 Years / 72 Months Older Model
▼
APR6.99%
Term6 Years / 72 Months Older Model
Last UpdatedApr 19, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; >$25,0000 for 84 months
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
7.34%
84 Months
▼
APR7.34%
Term84 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loan
7.49%
120 Months
▼
APR7.49%
Term120 Months
Last UpdatedApr 18, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
7.49%
24 - 36
▼
APR7.49%
Term24 - 36
Last UpdatedApr 18, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.49%
96 Months
▼
APR7.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
A+ >740
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.95%
60 Months
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
7.99%
24 - 36
▼
APR7.99%
Term24 - 36
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.99%
96 Months
▼
APR7.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 36 months
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
8.49%
60 Months
▼
APR8.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
8.49%
96 Months
▼
APR8.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.95%
60+
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
8.99%
72 Months
▼
APR8.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
9.49%
7 Years
▼
APR9.49%
Term7 Years
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
9.49%
24 Months
▼
APR9.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
9.74%
60 Months
▼
APR9.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
9.74%
60 Months
▼
APR9.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
9.74%
24 - 36
▼
APR9.74%
Term24 - 36
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
9.74%
72 Months
▼
APR9.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
9.99%
48 Months
▼
APR9.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
B 660-689
APR10.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
10.24%
60 Months
▼
APR10.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
10.49%
84 Months
▼
APR10.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
10.74%
72 Months
▼
APR10.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
10.99%
84 Months
▼
APR10.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
11.74%
96 Months
▼
APR11.74%
Term96 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
12.49%
24 - 36
▼
APR12.49%
Term24 - 36
Last UpdatedApr 18, 2026
Details
C 620-659
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
12.99%
48 Months
▼
APR12.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
13.49%
60 Months
▼
APR13.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
13.74%
60 Months
▼
APR13.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
13.99%
72 Months
▼
APR13.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
14.00%
60+
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
14.24%
72 Months
▼
APR14.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
17.74%
60 Months
▼
APR17.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
17.99%
72 Months
▼
APR17.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
18.00%
7 Years
▼
APR18.00%
Term7 Years
Last UpdatedApr 18, 2026
Details
D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 8+ Years Old
18.00%
24 - 36
▼
APR18.00%
Term24 - 36
Last UpdatedApr 18, 2026
Details
D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
18.00%
24 Months
▼
APR18.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
D 600-619
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
28.00%
60 Months
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 599 or less
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
APR4.75%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 24 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 18, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedApr 18, 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: 9.83%
New Auto Loans - 0-2 Years Old
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 36 months
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
A+ >740
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedApr 18, 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: 9.83%
New Auto Loans - 0-2 Years Old
5.84%
24 Months
▼
APR5.84%
Term24 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 72 months
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.09%
24 Months
▼
APR6.09%
Term24 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.34%
72 Months
▼
APR6.34%
Term72 Months
Last UpdatedApr 18, 2026
Details
B 660-689
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedApr 18, 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: 9.83%
New Auto Loans - 0-2 Years Old
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
A+ >740
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.49%
96 Months
▼
APR7.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.99%
96 Months
▼
APR7.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
8.49%
96 Months
▼
APR8.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
9.49%
24 Months
▼
APR9.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
9.74%
72 Months
▼
APR9.74%
Term72 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
10.49%
84 Months
▼
APR10.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
11.74%
96 Months
▼
APR11.74%
Term96 Months
Last UpdatedApr 18, 2026
Details
C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
18.00%
24 Months
▼
APR18.00%
Term24 Months
Last UpdatedApr 18, 2026
Details
D 600-619
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 800+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As; 24 months
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedApr 18, 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.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedApr 18, 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.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
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 UpdatedApr 18, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 36 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; >$25,0000 for 84 months
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedApr 18, 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.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
APR6.75%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 72 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; >$25,0000 for 84 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.95%
60 Months
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 36 months
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.95%
60+
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
14.00%
60+
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
28.00%
60 Months
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 599 or less
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MonitorBankRates
Kaysville, UT Auto Loan Rate Trends
Compare local Kaysville, UT 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
7.998%
▲ 1.603 vs 7 days ago
Utah new auto rates rose 1.603 points over the past 7 days to 7.998% APR.
Used Auto Loan — UT Avg
6.728%
▲ 0.354 vs 7 days ago
Utah used auto rates rose 0.354 points over the past 7 days to 6.728% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, Utah?
Based on our current data, some of the lowest auto loan rates available in Kaysville, Utah include:
- America First Federal Credit Union: 4.99% (Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- West Branch Valley Federal Credit Union: 3.99% (Fixed Rate Auto Loan 2018- 2027 Model Year)
- Members First Credit Union: 4.49% (Auto Loan)
- 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 Kaysville, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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