Auto Loan Rates in Kingston, Utah (UT) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kingston, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kingston, Utah include Utah First Federal Credit UnionUtah First Federal Credit UnionA+5.0 ★Texas Ratio: 1.94% offering Auto Loan - Up To 60 Months - Credit Grade A+ at 3.50%, Koin Credit UnionKoin Credit UnionA+5.0 ★Texas Ratio: 3.16% offering New Auto at 4.25%, Members First Credit UnionMembers First Credit UnionA+5.0 ★Texas Ratio: 0.57% offering Auto Loan New/Used 2015 - Newer at 4.49%, Inland Federal Credit UnionInland Federal Credit UnionB+4.8 ★Texas Ratio: 16.98% offering New Autos (2022 and newer) at 4.54%, UPS Employees Federal Credit UnionUPS Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.69% offering New and Used Auto Loans at 4.69%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Kingston borrowers have access to 27 lenders serving the Utah area, with auto loan rates as low as 3.50% APR from Utah First Federal Credit Union. 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 Kingston, Utah. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Kingston, Utah & Surrounding Area
Kingston Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade A+
3.50%
Up To 60 Months
▼
APR3.50%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 730+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade A+
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 730+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade A
4.00%
Up To 60 Months
▼
APR4.00%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 680-729
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade A
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 680-729
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
New Autos (2022 and newer)
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR4.69%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 16, 2026
Details
As low as; APR
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Vehicle Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Auto Loan
4.74%
60 Month
▼
APR4.74%
Term60 Month
Last UpdatedJul 15, 2026
Details
New & Used, As Low As; OAC*
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
60-mo Auto Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 15, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
4.74%
24 to 48 Months
▼
APR4.74%
Term24 to 48 Months
Last UpdatedJul 15, 2026
Details
APR*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 16, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
4.74%
5 Years / 60 Months
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
4.74%
5 Years / 60 Months
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
GoldStar® Auto Loan
4.99%
60 month term
▼
APR4.99%
Term60 month term
Last UpdatedJul 15, 2026
Details
As low as GoldStar® Auto Loan 4.99% APR - 60 month term Rate is 0.25% higher for non-GoldStar® members
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedJul 15, 2026
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Vehicle Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 15, 2026
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Auto loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 16, 2026
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade B
5.25%
Up To 60 Months
▼
APR5.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 640-679
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
Used Autos (2015-2021)
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
APR*
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
5.65%
60 months
▼
APR5.65%
Term60 months
Last UpdatedJul 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below: 84 month term 6.49% $591/month; 120 month term 7.49% $472/month; Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Auto Loan
5.74%
84 MO
▼
APR5.74%
Term84 MO
Last UpdatedJul 15, 2026
Details
7 YR New & Used; As Low As; OAC*
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.74%
7 Years / 84 Months
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
5.74%
4 Years / 48 Months
▼
APR5.74%
Term4 Years / 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.74%
7 Years / 84 Months
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade B
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 640-679
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Vehicle Loan
5.76%
36 months
▼
APR5.76%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 2005-2015
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
New Autos (2022 and newer)
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 16, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 16, 2026
Details
**
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
5.99%
4 Years / 48 Months
▼
APR5.99%
Term4 Years / 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2019-2026
APR5.99%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Vehicle Loan
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedJul 15, 2026
Details
As Low As; 2016-2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.09%
7 Years
▼
APR6.09%
Term7 Years
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
All Terrain Vehicle Loan
6.24%
Up to 72 months
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
10 years or newer
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
APR*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 16, 2026
Details
Fixed
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; *
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.24%
5 Years / 60 Months
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.24%
5 Years / 60 Months
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Vehicle Loan
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; 2005-2015
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.34%
60 months
▼
APR6.34%
Term60 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older (Branded/Rebuilt Title)
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below: 60 month term 5.65% $760/month; 120 month term 7.49% $472/month; Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedJul 16, 2026
Details
Fixed
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; *
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.49%
6 Years / 72 Months
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.49%
6 Years / 72 Months
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.59%
72 months
▼
APR6.59%
Term72 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedJul 16, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.74%
6 Years / 72 Months
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Model Year: 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.74%
6 Years / 72 Months
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2019 & Older
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedJul 16, 2026
Details
Fixed
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
7.34%
84 months
▼
APR7.34%
Term84 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
7.49%
120 months
▼
APR7.49%
Term120 months
Last UpdatedJul 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below: 60 month term 5.65% $760/month; 84 month term 6.49% $591/month; Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
7.49%
24 - 36 months
▼
APR7.49%
Term24 - 36 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 15, 2026
Details
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
7.99%
24 - 36 months
▼
APR7.99%
Term24 - 36 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJul 16, 2026
Details
Limited Time Special; Credit Score: B 660-689
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade C
8.25%
Up To 60 Months
▼
APR8.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 600-639
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
8.49%
60 months
▼
APR8.49%
Term60 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade C
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 600-639
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
8.99%
72 months
▼
APR8.99%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
9.74%
24 - 36 months
▼
APR9.74%
Term24 - 36 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
9.99%
48 months
▼
APR9.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Commercial Vehicle Loans
10.00%
3 Year / 36 Months
▼
APR10.00%
Term3 Year / 36 Months
Last UpdatedJul 16, 2026
Details
Model Year: 2018-2025
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
10.24%
60 months
▼
APR10.24%
Term60 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
10.74%
72 months
▼
APR10.74%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.49%
7 Years
▼
APR11.49%
Term7 Years
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.49%
2 Years
▼
APR11.49%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.74%
60 months
▼
APR11.74%
Term60 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.74%
72 months
▼
APR11.74%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.99%
72 months
▼
APR11.99%
Term72 months
Last UpdatedJul 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade D
12.25%
Up To 60 Months
▼
APR12.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score 550-599
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade D
12.75%
72 Months
▼
APR12.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score 550-599
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
12.99%
84 months
▼
APR12.99%
Term84 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
13.74%
96 months
▼
APR13.74%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
14.49%
24 - 36 months
▼
APR14.49%
Term24 - 36 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
14.99%
48 months
▼
APR14.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
15.49%
60 months
▼
APR15.49%
Term60 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
16.24%
72 months
▼
APR16.24%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade E
16.25%
Up To 60 Months
▼
APR16.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details
FICO Score <549
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade E
16.75%
72 Months
▼
APR16.75%
Term72 Months
Last UpdatedJul 12, 2026
Details
FICO Score <549
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
18.00%
7 Years
▼
APR18.00%
Term7 Years
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old
18.00%
24 - 36 months
▼
APR18.00%
Term24 - 36 months
Last UpdatedJul 16, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Kingston New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
New Autos (2022 and newer)
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 16, 2026
Details
As low as; APR
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
New Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
New Autos (2022 and newer)
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer (Branded/Rebuilt Title)
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; 2020 & Newer
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJul 16, 2026
Details
Limited Time Special; Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.49%
2 Years
▼
APR11.49%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.74%
72 months
▼
APR11.74%
Term72 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
13.74%
96 months
▼
APR13.74%
Term96 months
Last UpdatedJul 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJul 16, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Kingston Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 16, 2026
Details
As low as; APR
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 5-years
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 6-years
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
Used Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
Used Autos (2015-2021)
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Includes a 0.25% discount for direct deposit.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed; $25,000 min.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older 5-years
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer 7-years
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedJul 7, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Rate subject to change. See loan officer for details.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2013 - 2016
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicle Year: 2017-2027
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; *
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; *
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Fixed
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Powered by
MonitorBankRates
Kingston, UT Auto Loan Rate Trends
Compare local Kingston, 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
6.749%
▲ 0.164 vs 7 days ago
Utah new auto rates rose 0.164 points over the past 7 days to 6.749% APR.
Used Auto Loan — UT Avg
5.977%
▲ 0.190 vs 7 days ago
Utah used auto rates rose 0.190 points over the past 7 days to 5.977% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kingston, 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 Kingston, 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 Kingston, Utah. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in UT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Kingston, 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 Kingston, 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 Kingston, 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 Kingston, Utah?
Based on our current data, some of the lowest auto loan rates available in Kingston, Utah include:
- Utah First Federal Credit Union: 3.50% (Auto Loan - Up To 60 Months - Credit Grade A+)
- Koin Credit Union: 4.25% (New Auto)
- Members First Credit Union: 4.49% (Auto Loan New/Used 2015 - Newer)
- Inland Federal Credit Union: 4.54% (New Autos (2022 and newer))
- UPS Employees Federal Credit Union: 4.69% (New and Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kingston, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking