Auto Loan Rates in Sandy, Utah (UT) for May 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 Sandy, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sandy, Utah include Jordan Federal Credit UnionJordan Federal Credit Union9260 S 300 E, Sandy, UT, 84070A+5.0 ★Texas Ratio: 3.01% offering AUTO LOANS at 4.74%, Granite Federal Credit UnionGranite Federal Credit Union9383 S 700 E, Sandy, UT, 84070 6202A+5.0 ★Texas Ratio: 2.83% offering Auto Loan at 4.74%, UTAH COMMUNITYUTAH COMMUNITY10692 S State St, Sandy, UT, 84070C3.8 ★Texas Ratio: 29.46% offering Auto Loans at 4.74%, Utah First Federal Credit UnionUtah First Federal Credit Union9213 S Quarry Bend Dr, Sandy, UT, 84094A+5.0 ★Texas Ratio: 2.03% offering Auto Loan at 4.99%, American United Federal Credit UnionAmerican United Federal Credit Union8621 S 700 E, Sandy, UT, 84070A5.0 ★Texas Ratio: 7.60% offering 2020 & Newer Auto Loan at 4.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sandy has 10 local institutions in our database, with auto loan rates as low as 4.74% APR from Jordan Federal Credit Union at 9260 S 300 E, Sandy, UT, 84070. 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 Sandy, Utah. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Sandy, Utah & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
AUTO LOANS
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; APR OAC*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 10, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 12, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
GoldStar® Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Rate is 0.25% higher for non-GoldStar® members
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT, 84094 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 10, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedMay 12, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT, 84094 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT, 84094 7719
60-mo Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
5.74%
7 Years
▼
APR5.74%
Term7 Years
Last UpdatedMay 12, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
5.74%
4 Years
▼
APR5.74%
Term4 Years
Last UpdatedMay 12, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2019 & Older Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 10, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 12, 2026
Details
As Low As; Older Model; 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 12, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2019 & Older Auto Loan
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Fixed
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedMay 12, 2026
Details
As Low As; Older Model; 2011-2018
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
6.49%
6 Years
▼
APR6.49%
Term6 Years
Last UpdatedMay 12, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2019 & Older Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedMay 10, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Fixed
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 6, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 10, 2026
Details
$30,000; As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
9.74%
60 Months
▼
APR9.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
10.00%
36 Months
▼
APR10.00%
Term36 Months
Last UpdatedMay 12, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
13.74%
60 Months
▼
APR13.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
13.99%
72 Months
▼
APR13.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
17.74%
60 Months
▼
APR17.74%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
17.99%
72 Months
▼
APR17.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
3.95%
24 Months
▼
APR3.95%
Term24 Months
Last UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.10%
36 Months
▼
APR4.10%
Term36 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 10, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 10, 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%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 10, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Credit Score 800+
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 UpdatedMay 7, 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%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 7, 2026
Details
New Auto, 12-60 Month Term
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 UpdatedMay 10, 2026
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
4.99%
5 yrs
▼
APR4.99%
Term5 yrs
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.99%
Term24 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2015-2021
APR5.19%
Term48 months
Last UpdatedMay 12, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
5.24%
Up to 60 months (84k miles max)
▼
APR5.24%
TermUp to 60 months (84k miles max)
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 7, 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 UpdatedMay 7, 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
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Rates include a 0.50% discount for automatic payment.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
5.49%
Up to 72 months (60k miles max)
▼
APR5.49%
TermUp to 72 months (60k miles max)
Last UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
As Low As
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.49%
Term60 months
Last UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Vehicle - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2015-2021
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loan
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMay 10, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A+ >740
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A 690-739
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Rates include a 0.50% discount for automatic payment.
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
5.99%
Up to 84 mo (36k miles max, $30k min)
▼
APR5.99%
TermUp to 84 mo (36k miles max, $30k min)
Last UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2013 - 2016
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.99%
Term36 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
APR5.99%
Term72 months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
B 660-689
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans 3-7 Years Old
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A+ >740
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.49%
Term84 months
Last UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
B 660-689
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 UpdatedMay 10, 2026
Details
A+ >740
APR6.75%
Term72 Months
Last UpdatedMay 12, 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
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
A 690-739
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
6.99%
Refer to mileage guidelines above
▼
APR6.99%
TermRefer to mileage guidelines above
Last UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
B 660-689
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Credit Score 730-799
APR7.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A+ >740
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
B 660-689
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
B 660-689
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A 690-739
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
C 620-659
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
C 620-659
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
B 660-689
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
C 620-659
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
14.00%
60+
▼
APR14.00%
Term60+
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
C 620-659
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT, 84094 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT, 84094 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT, 84070
2020 & Newer Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 6, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
3.95%
24 Months
▼
APR3.95%
Term24 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.10%
36 Months
▼
APR4.10%
Term36 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 10, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 10, 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%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2022-2024
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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 10, 2026
Details
As Low As
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2022-2024
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 7, 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
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
A+ >740
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
A 690-739
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2013 - 2016
APR5.99%
Term72 Months
Last UpdatedMay 12, 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
6.09%
24 Months
▼
APR6.09%
Term24 Months
Last UpdatedMay 10, 2026
Details
B 660-689
APR6.25%
Term84 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
A+ >740
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
New Auto Loans - 0-2 Years Old
7.99%
96 Months
▼
APR7.99%
Term96 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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
8.49%
96 Months
▼
APR8.49%
Term96 Months
Last UpdatedMay 10, 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
9.49%
24 Months
▼
APR9.49%
Term24 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
D 600-619
Powered by
MonitorBankRates
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: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 6, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT, 84094 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 6, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 6, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 6, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
3.95%
24 Months
▼
APR3.95%
Term24 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.10%
36 Months
▼
APR4.10%
Term36 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.30%
60 Months
▼
APR4.30%
Term60 Months
Last UpdatedMay 10, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 10, 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%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 10, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Credit Score 800+
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.99%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2015-2021
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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2017 - Newer
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 UpdatedMay 10, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Vehicle - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Year of Vehicle 2015-2021
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 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.
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 2013 - 2016
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Credit Score 730-799
APR7.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedMay 10, 2026
Details
As Low As; Credit Score 730-799
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As; Credit Score 651-699
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As; Credit Score 599 or less
Powered by
MonitorBankRates
Sandy, UT Auto Loan Rate Trends
Compare local Sandy, 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
6.559%
▲ 1.208 vs 7 days ago
Utah new auto rates rose 1.208 points over the past 7 days to 6.559% APR.
Used Auto Loan — UT Avg
6.582%
▼ 0.147 vs 7 days ago
Utah used auto rates fell 0.147 points over the past 7 days to 6.582% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Sandy, 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 Sandy, 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 Sandy, 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 Sandy, Utah?
Based on our current data, some of the lowest auto loan rates available in Sandy, Utah include:
- Jordan Federal Credit Union: 4.74% (AUTO LOANS)
- Granite Federal Credit Union: 4.74% (Auto Loan)
- UTAH COMMUNITY: 4.74% (Auto Loans)
- Utah First Federal Credit Union: 4.99% (Auto Loan)
- American United Federal Credit Union: 4.99% (2020 & Newer Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sandy, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking