Auto Loan Rates in Utah (UT) for May 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: 7.73% offering Auto Loans at 3.24%, Horizon Utah Federal Credit UnionHorizon Utah Federal Credit Union225 S 200 W, Farmington, UT, 84025A5.0 ★Texas Ratio: 6.06% offering Auto Loan 36 Months at 4.44%, Members First Credit UnionMembers First Credit Union120 E 1000 S, Brigham City, UT, 84302 4357A+5.0 ★Texas Ratio: 0.58% offering Auto Loan at 4.49%, Texas Health Credit UnionTexas Health Credit Union4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120A5.0 ★Texas Ratio: 8.83% offering New and Used Vehicles at 4.49%, Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT, 84403 2560A+5.0 ★Texas Ratio: 1.13% offering New or Used Auto Loans at 4.55%. Auto loan rates as of May 2, 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 3.24% 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: May 2, 2026
Compare Auto Loan Rates Today in Utah
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan 36 Months
4.44%
36 M
▼
APR4.44%
Term36 M
Last UpdatedMay 2, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
New/Used 2015 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan 48 Months
4.56%
48 M
▼
APR4.56%
Term48 M
Last UpdatedMay 2, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan 60 Months
4.56%
60 M
▼
APR4.56%
Term60 M
Last UpdatedMay 2, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates starting at 4.74% APR 60 Months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan 72 Months
4.94%
72 M
▼
APR4.94%
Term72 M
Last UpdatedMay 2, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 800+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
4.99%
5 yrs
▼
APR4.99%
Term5 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details
as low as
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Auto Loans
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
Auto Loan
5.24%
60-month
▼
APR5.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As; New & used car loans
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.24%
6 Years / 72 Months
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 6 Years / 72 Months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.49%
6 yrs
▼
APR5.49%
Term6 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Auto Loans
5.64%
60 months
▼
APR5.64%
Term60 months
Last UpdatedApr 19, 2026
Details
Low Interest Rates; for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
5.65%
60 months
▼
APR5.65%
Term60 months
Last UpdatedMay 2, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan 84 Months
5.69%
84 M
▼
APR5.69%
Term84 M
Last UpdatedMay 2, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Older Car and Truck - Purchase, Refinance or Title Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.99%
7 yrs
▼
APR5.99%
Term7 yrs
Last UpdatedApr 19, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedApr 26, 2026
Details
as low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 4 Years / 48 Months Older Model
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 7 Years / 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.24%
5 Years / 60 Months Older Model
▼
APR6.24%
Term5 Years / 60 Months Older Model
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 5 Years / 60 Months Older Model
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans
6.74%
6 Years / 72 Months Older Model
▼
APR6.74%
Term6 Years / 72 Months Older Model
Last UpdatedMay 2, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loans 6 Years / 72 Months Older Model
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 2, 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 2, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan Older Model
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
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 2, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans
7.49%
120 months
▼
APR7.49%
Term120 months
Last UpdatedMay 2, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
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 UpdatedMay 2, 2026
Details
$30,000; As Low As; Fixed
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.95%
60 Months
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
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 UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.95%
60+
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
9.74%
60 Months
▼
APR9.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Auto Loan
10.00%
36 Months
▼
APR10.00%
Term36 Months
Last UpdatedMay 2, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
13.74%
60 Months
▼
APR13.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
13.99%
72 Months
▼
APR13.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
14.00%
60+
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
17.74%
60 Months
▼
APR17.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Auto Loan
17.99%
72 Months
▼
APR17.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
28.00%
60 Months
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 599 or less
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details
as low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 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 2, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
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 UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto Loans
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 48 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 800+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 60 months
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; up to 72 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
243 E 125 N, Morgan, UT, 84050
New and Used Auto Fixed Rate
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Fixed Rate-Term up to 84 months
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedApr 26, 2026
Details
as low as
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos Used 2007 - 2015
6.99%
Up to 60 Months
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
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 2, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
7.95%
60 Months
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
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 UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.25%
60+
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 730-799
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
8.75%
48 months
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.75%
60+
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 700-729
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
8.95%
60+
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 651-699
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New and Used Small Vehicle Loans
9.00%
60 months
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
14.00%
60+
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 600-650
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
28.00%
60 Months
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Credit Score 599 or less
Powered by
MonitorBankRates
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
5.351%
▼ 2.646 vs 7 days ago
Utah new auto rates fell 2.646 points over the past 7 days to 5.351% APR.
Used Auto Loan — UT Avg
6.734%
Unchanged vs 7 days ago
Utah used auto loan rates currently average 6.734% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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: 3.24% (Auto Loans)
- Horizon Utah Federal Credit Union: 4.44% (Auto Loan 36 Months)
- Members First Credit Union: 4.49% (Auto Loan)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
- Education 1st Credit Union: 4.55% (New or Used Auto Loans)
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: May 2, 2026
Auto Loan Rates by City in Utah
Rate Assistant
MonitorBankRates.com · Live Data
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