Elwood, Utah Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Elwood, Utah auto loan rates from lenders serving Utah range from 2.49% to 5.99% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Elwood, Utah include P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.10% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Education 1st Credit UnionEducation 1st Credit UnionA+5.0 ★Texas Ratio: 0.44% offering New or Used Auto at 3.95%, Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.24% offering New and Used Other Vehicle Loans at 3.99%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit UnionA5.0 ★Texas Ratio: 8.22% offering New Auto at 4.24%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Elwood borrowers have access to 46 lenders serving the Utah area, with auto loan rates as low as 2.49% APR from P&S Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Elwood, Utah. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Elwood, Utah & Surrounding Area
Elwood Auto Loan Rates
Fixed (as low as)
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Published APR range: 3.95% - 15.25%. Rate Type: Fixed
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 4.10% - 15.40%. Rate Type: Fixed
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Model Year: 2018-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Published APR range: 4.25% - 15.55%. Rate Type: Fixed
As Low As
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.30% - 15.70%. Rate Type: Fixed
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.
New/Used 2015 - Newer
As Low As
As Low As*
As Low As
Model Year: 2021-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
As Low As; Age of Vehicle: 2016-2026; Benefits: LOWEST RATE. No payment for 60 days
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.60% - 15.90%. Rate Type: Fixed
As Low As
- Oct 9, 20264.69%▼ from 4.74%
- Sep 14, 20264.74%first recorded
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.
As Low As
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Rates starting at. Click for more details.
As Low As; *
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
As Low As
As Low As
As Low As*
Value maximum: 110% NADA CLEAN RETAIL; higher rates may apply for members with an Experian FICO credit score less than 670
Model Year: 2016-2017; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
- Oct 9, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Fixed (as low as)
Fixed (as low as)
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.80% - 16.00%. Rate Type: Fixed
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Loan Term
As Low As
- Oct 9, 20264.94%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Score: 800+
Vehicle Year: 2026
As Low As
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. Collision insurance is not required on auto loan balances under $2,000. The minimum secured loan payment is $100.
As low as
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
- Sep 29, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
Fixed; As Low As
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.
Fixed (as low as)
Fixed (as low as)
Fixed (as low as)
As low as; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Term: Up to 60 months (84k miles max); As Low As; Mileage: up to 84k miles
Term: Up to 48 months (120k miles max); As Low As; Mileage: up to 120k miles
As Low As
As Low As
As Low As
As Low As
As Low As
Additional APR listed for this product: 5.24%. Model Year: 2019-2026
- Oct 6, 20264.99%▲ from 4.74%
- Sep 18, 20264.74%first recorded
As low as
- Oct 6, 20264.99%▼ from 5.24%
- Sep 18, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Value maximum: 110% NADA CLEAN RETAIL; higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
As low as
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 750 plus
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2022-2024; Rate Type: Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.
Vehicle Year: 2026; Value: over $25,000.00
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Vehicle Year: 2017-2027
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Fixed; As Low As
As Low As; *
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
- Oct 9, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As low as; Year: 2017 - Newer
Term: Up to 72 months (60k miles max); As Low As; Mileage: up to 60k miles
As Low As*
Additional APR listed for this product: 5.49%. Model Year: 2019-2026
- Oct 6, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Annual Percentage Rate. Loans are subject to credit approval. Membership required. Based on eligibility.
- Sep 18, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
7 year term only: minimum loan $25,000; model years 2022-2025 only; must have Experian FICO credit score of 670 or greater; value maximum: 110% NADA CLEAN RETAIL
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Age of Vehicle: 2016-2026; Benefits: $12,000 or more. No payment for 60 days
As Low As
- Oct 9, 20265.25%▲ from 4.99%
- Sep 14, 20264.99%first recorded
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.
Credit Score: 730-799
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.
Fixed (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.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Vehicle Year: 2020 - 2026; Value: High Book
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Vehicle Year: 2017-2027
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
- Sep 29, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
As Low As; *
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
- Oct 9, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%first recorded
Credit Score: A+ >740
Credit Grade: A+ >740
As low as; Year: 2017 - Newer
As Low As
As Low As
As Low As
As Low As
As low as
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 700-749
Credit Score Dependent; Transunion Credit Score: 750 plus
Credit Score Dependent; Transunion Credit Score: 700-749
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.
Year of Vehicle: 2022-2024; Rate Type: Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
- Oct 9, 20265.71%▼ from 5.76%
- Sep 14, 20265.76%first recorded
Vehicle Year: 2020 - 2026; Value: High Book
As low as
As low as
NEW & USED AS LOW AS. OAC*. See Details
Credit Score: A+ >740
Credit Grade: A+ >740
As Low As; $25,000 min.
As Low As*
Model Year: 2016-2017; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from an active WBVFCU account and monthly direct deposit
Credit Score: 700-729
Term: >$25,0000 for 84 months; 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.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
- Oct 9, 20265.80%▼ from 6.00%
- Sep 14, 20266.00%first recorded
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Credit Score: A 690-739
Credit Grade: A 690-739
Fixed (as low as)
Credit Score: 651-699
As Low As
- Oct 9, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As low as
Fixed; As Low As
Credit Score: A+ >740
Model Year: 2006-2016
Model Year: 2006-2016
As low as; Year: 2013 - 2016
- Sep 26, 20265.99%▲ from 4.99%
- Sep 26, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Term: Up to 84 mo (36k miles max, $30k min); As Low As; Mileage: up to 36k miles; Minimum Loan: $30k
Additional APR listed for this product: 6.24%. Model Year: 2019-2026
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Additional APR listed for this product: 6.24%. Model Year: 2011-2018
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As low as
As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Age of Vehicle: 2016-2026; Benefits: $25,000 or more. No payment for 60 days
Elwood New Auto Auto Loan Rates
Fixed (as low as)
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Published APR range: 3.95% - 15.25%. Rate Type: Fixed
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 4.10% - 15.40%. Rate Type: Fixed
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.25% - 15.55%. Rate Type: Fixed
As Low As
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.30% - 15.70%. Rate Type: Fixed
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.
As Low As
As Low As*
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.60% - 15.90%. Rate Type: Fixed
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.
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As
As Low As*
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Fixed (as low as)
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.80% - 16.00%. Rate Type: Fixed
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Credit Score: 800+
Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. Collision insurance is not required on auto loan balances under $2,000. The minimum secured loan payment is $100.
Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027
Model Year: 2017-2027
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.
Fixed (as low as)
Fixed (as low as)
As low as; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Term: Up to 60 months (84k miles max); As Low As; Mileage: up to 84k miles
Term: Up to 48 months (120k miles max); As Low As; Mileage: up to 120k miles
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2022-2024; Rate Type: Fixed
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.
As low as
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Vehicle Year: 2017-2027
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As low as; Year: 2017 - Newer
Term: Up to 72 months (60k miles max); As Low As; Mileage: up to 60k miles
As Low As*
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
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.
Credit Score: 730-799
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.
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.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Vehicle Year: 2017-2027
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
Credit Grade: A+ >740
As low as; Year: 2017 - Newer
As Low As
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Credit Score Dependent; Transunion Credit Score: 700-749
Credit Score Dependent; Transunion Credit Score: 750 plus
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.
Year of Vehicle: 2022-2024; Rate Type: Fixed
Credit Grade: A+ >740
As Low As; $25,000 min.
As Low As*
Credit Score: 700-729
Term: >$25,0000 for 84 months; 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.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Credit Grade: A 690-739
Fixed (as low as)
Credit Score: 651-699
As low as; Year: 2013 - 2016
- Sep 26, 20265.99%▲ from 4.99%
- Sep 26, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Term: Up to 84 mo (36k miles max, $30k min); As Low As; Mileage: up to 36k miles; Minimum Loan: $30k
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
Elwood Used Auto Auto Loan Rates
Published APR range: 3.95% - 15.25%. Rate Type: Fixed
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 3.99% to 16.19%.
Published APR range: 4.10% - 15.40%. Rate Type: Fixed
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.25% - 15.55%. Rate Type: Fixed
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.30% - 15.70%. Rate Type: Fixed
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.
As Low As
As Low As*
As Low As
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Published APR range: 4.60% - 15.90%. Rate Type: Fixed
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.
As Low As
As Low As
As Low As
As Low As*
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Fixed (as low as)
Rates include a 0.50% discount for automatic payment.
Published APR range: 4.80% - 16.00%. Rate Type: Fixed
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.
Fixed (as low as)
As low as; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
Credit Score Dependent; Transunion Credit Score: 750 plus
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2015-2021; Rate Type: Fixed
Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Vehicle Year: 2017-2027
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As low as; Year: 2017 - Newer
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.
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.
Fixed (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.
Vehicle Year: 2017-2027
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
As low as; Year: 2017 - Newer
As Low As
As Low As
As Low As
Credit Score Dependent; Transunion Credit Score: 700-749
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.
Year of Vehicle: 2015-2021; Rate Type: Fixed
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; $25,000 min.
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.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Model Year: Used 2026-2025; Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As low as; Year: 2013 - 2016
- Sep 26, 20265.99%▲ from 4.99%
- Sep 26, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Elwood, UT Auto Loan Rate Trends
Compare local Elwood, UT auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah new auto rates fell 0.092 points over the past 7 days to 5.288% APR.
Utah used auto rates fell 0.035 points over the past 7 days to 5.648% APR.
Elwood, UT Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Utah APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.29% APR UT average | Used Auto @ 5.65% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.05/mo | $287.54/mo | $2.49/mo |
| $25,000 | $475.09/mo | $479.23/mo | $4.15/mo |
| $35,000 | $665.12/mo | $670.93/mo | $5.80/mo |
| $45,000 | $855.16/mo | $862.62/mo | $7.46/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Elwood, Utah
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Elwood, Utah locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Utah. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Elwood, Utah high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Elwood, Utah CD rates lock in a guaranteed return until you’re ready to buy
Elwood, Utah Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 17.6% of the median individual income in Elwood, Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Elwood, Utah, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Elwood, Utah. We’ve prefilled the APR with today’s UT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Elwood, 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 Elwood, 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 Elwood, 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.
Bad Credit Auto Loans in Elwood, Utah
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Elwood, Utah
How does my credit score affect my car loan rate in Utah?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Elwood, Utah?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Elwood, Utah?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Elwood, Utah?
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
- Education 1st Credit Union: 3.95% (New or Used Auto)
- Delta Community Credit Union: 3.99% (New and Used Other Vehicle Loans)
- Northrop Grumman Federal Credit Union: 4.24% (New Auto)
Elwood, Utah Rates & Resources
