Auto Loan Rates in Utah (UT) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Utah include Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 4.14%, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 3.04% offering Auto Loan at 4.49%, Inland Federal Credit UnionInland Federal Credit Union4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207B+4.8 ★Texas Ratio: 16.98% offering New Auto Loan at 4.54%, UPS Employees Federal Credit UnionUPS Employees Federal Credit Union4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207A+5.0 ★Texas Ratio: 0.69% offering New and Used Auto Loans 36 Months at 4.69%, HERCULES FIRSTHERCULES FIRST3141 W 4700 S, Taylorsville, UT, 84129 2525A5.0 ★Texas Ratio: 7.88% offering Auto Loan at 4.69%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Utah side-by-side. Utah auto loan rates currently start as low as 4.14% APR from Baxter Credit Union at 12050 S Lone Peak Pkwy, Draper, UT, 84020 9414. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Utah. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Utah
Utah Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Auto Loan
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 36 Months
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Auto Loan
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
minimum $20,000
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
Auto Loan
4.74%
60 Month
▼
APR4.74%
Term60 Month
Last UpdatedJun 16, 2026
Details
New & Used; As Low As; OAC*
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.74%
5 Years / 60 Months
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019-2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - Up to 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Auto Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
GoldStar® Auto Loan
4.99%
60 month term
▼
APR4.99%
Term60 month term
Last UpdatedJun 16, 2026
Details
As low as 4.99% APR - Rate is 0.25% higher for non-GoldStar® members
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
4140 HARRISON BLVD, OGDEN, UT, 84403
Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedJun 16, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
273 W 500 S, Bountiful, UT, 84010
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJun 16, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJun 16, 2026
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3012 S 1900 W, Ogden, UT, 84401
Auto loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019-2026
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2023 - 2025*
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
60-mo Auto Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJun 16, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
5.24%
24 to 48 Months
▼
APR5.24%
Term24 to 48 Months
Last UpdatedJun 16, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJun 16, 2026
Details
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019-2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 60 Months
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 36 months
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 48 months
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 60 months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Title Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Auto Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
5.65%
60 month
▼
APR5.65%
Term60 month
Last UpdatedJun 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score); Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
All Terrain Vehicle Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
9260 S 300 E, Sandy, UT, 84070
Auto Loan
5.74%
84 MO
▼
APR5.74%
Term84 MO
Last UpdatedJun 16, 2026
Details
New & Used; As Low As; OAC*
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.74%
7 Years / 84 Months
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019-2026
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Auto Loan
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 72 Months
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 72 months
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 36 months
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 48 months
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 60 months
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Auto Loan
5.99%
61 - 72 Months
▼
APR5.99%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
minimum $20,000
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Title Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019-2026
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.09%
7 Years
▼
APR6.09%
Term7 Years
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
6.14%
76 - 84 Months
▼
APR6.14%
Term76 - 84 Months
Last UpdatedJun 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2016 & Older
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJun 16, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.24%
5 Years / 60 Months
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.34%
60 months
▼
APR6.34%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 84 Months
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Title Auto Loan
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2016 & Older
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
6.49%
84 month
▼
APR6.49%
Term84 month
Last UpdatedJun 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score); Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.49%
6 Years / 72 Months
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJun 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%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.59%
72 months
▼
APR6.59%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.74%
6 Years / 72 Months
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Older Model; Model Year: 2011-2018
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 72 months
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2019 & Older Title Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
3675 S 900 E, Salt Lake City, UT, 84106
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - > for 84 months / Classic / Older Used Auto - Up to 36 months
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Classic / Older Used Auto
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
7.34%
84 months
▼
APR7.34%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
7.49%
120 month
▼
APR7.49%
Term120 month
Last UpdatedJun 16, 2026
Details
Compare a $40,000 loan for a member with A+ credit (740 Credit Score); Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.49%
24 - 36 months
▼
APR7.49%
Term24 - 36 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJun 16, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJun 16, 2026
Details
$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto - Up to 36 months
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJun 11, 2026
Details
As Low As; Classic / Older Used Auto
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
7.99%
24 - 36 months
▼
APR7.99%
Term24 - 36 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.49%
60 months
▼
APR8.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
8.99%
72 months
▼
APR8.99%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
9.49%
7 Years
▼
APR9.49%
Term7 Years
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
9.49%
2 Years
▼
APR9.49%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
9.74%
60 months
▼
APR9.74%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
9.74%
24 - 36 months
▼
APR9.74%
Term24 - 36 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
9.74%
72 months
▼
APR9.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
9.99%
72 months
▼
APR9.99%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
9.99%
48 months
▼
APR9.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
10.24%
60 months
▼
APR10.24%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
10.49%
84 months
▼
APR10.49%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
10.74%
72 months
▼
APR10.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
10.99%
84 months
▼
APR10.99%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.74%
96 months
▼
APR11.74%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
12.49%
24 - 36 months
▼
APR12.49%
Term24 - 36 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
12.99%
48 months
▼
APR12.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
13.49%
60 months
▼
APR13.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
14.24%
72 months
▼
APR14.24%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
18.00%
7 Years
▼
APR18.00%
Term7 Years
Last UpdatedJun 16, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 8+ Years Old
18.00%
24 - 36 months
▼
APR18.00%
Term24 - 36 months
Last UpdatedJun 16, 2026
Details
Credit Score: D 600-619
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Utah New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Auto Loan
4.54%
Up to 48 months
▼
APR4.54%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 36 Months
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - Up to 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
273 W 500 S, Bountiful, UT, 84010
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details
Annual Percentage Rates shown are "as low as".
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 60 Months
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 36 months
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 48 months
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 60 months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Title Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Auto Loan
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 72 Months
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - 72 months
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
2020 & Newer Title Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.09%
2 Years
▼
APR6.09%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 84 Months
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
6.84%
84 months
▼
APR6.84%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.49%
96 months
▼
APR7.49%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: A+ >740
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 690-739
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.24%
120 months
▼
APR8.24%
Term120 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
8.49%
96 months
▼
APR8.49%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: B 660-689
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
9.49%
2 Years
▼
APR9.49%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
9.74%
72 months
▼
APR9.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
10.49%
84 months
▼
APR10.49%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
11.74%
96 months
▼
APR11.74%
Term96 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 620-659
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
18.00%
2 Years
▼
APR18.00%
Term2 Years
Last UpdatedJun 16, 2026
Details
Credit Score: D 600-619
Powered by
MonitorBankRates
Utah Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 36 Months
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJun 16, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJun 16, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 60 Months
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.98%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Auto Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Includes a 0.25% discount for direct deposit.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 72 Months
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 36 months
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 48 months
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 60 months
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJun 16, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Vehicle Year: 2017-2027; * Rate may vary based on creditworthiness and loan term.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2016 & Older
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Other Vehicle Loans
6.39%
Up to 12 months
▼
APR6.39%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans 84 Months
6.44%
84 Months
▼
APR6.44%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
▼
APR6.49%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2016 & Older
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - 72 months
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto - > for 84 months / Classic / Older Used Auto - Up to 36 months
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Classic / Older Used Auto
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto - Up to 36 months
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJun 11, 2026
Details
As Low As; Classic / Older Used Auto
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
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 UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.00%
Up to 12 months
▼
APR8.00%
TermUp to 12 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
Utah Auto Loan Rate Trends
Compare local Utah auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — UT Avg
6.557%
▲ 0.029 vs 7 days ago
Utah new auto rates rose 0.029 points over the past 7 days to 6.557% APR.
Used Auto Loan — UT Avg
6.191%
▼ 1.073 vs 7 days ago
Utah used auto rates fell 1.073 points over the past 7 days to 6.191% APR.
As of Jun 19, 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 Utah auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Utah directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Utah. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in UT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Utah
How does my credit score affect my car loan rate in Utah?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in 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 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 Utah?
Based on our current data, some of the lowest auto loan rates available in Utah include:
- Baxter Credit Union: 4.14% (Auto Loans)
- West Branch Valley Federal Credit Union: 4.49% (Auto Loan)
- Inland Federal Credit Union: 4.54% (New Auto Loan)
- UPS Employees Federal Credit Union: 4.69% (New and Used Auto Loans 36 Months)
- HERCULES FIRST: 4.69% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in Utah
Rate Assistant
MonitorBankRates.com · Live Data
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