Layton, Utah Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Layton, Utah include Goldenwest Federal Credit UnionGoldenwest Federal Credit Union1268 N Hill Field Rd, Layton, UT, 84041 4754A+5.0 ★Texas Ratio: 1.97% offering Auto Loan at 4.49%, Mountain America Federal Credit UnionMountain America Federal Credit Union955 W Antelope Dr, Layton, UT, 84041 1634A5.0 ★Texas Ratio: 10.12% offering New & used car loans at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union172 N Fort Ln, Layton, UT, 84041A5.0 ★Texas Ratio: 7.26% offering Auto Loan at 4.99%, D. L. Evans BankD. L. Evans Bank360 E Gentile St, Layton, UT, 84041A+5.0 ★Texas Ratio: 1.95% offering Vehicle age - 4-7 years Loan at 5.49%, Chase BankChase Bank1275 N Hill Field Rd, Layton, UT, 84041A+5.0 ★Texas Ratio: 3.31% offering New car purchase Loan at 5.94%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Layton has 5 local institutions in our database, with auto loan rates as low as 4.49% APR from Goldenwest Federal Credit Union at 1268 N Hill Field Rd, Layton, UT, 84041 4754. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Layton, Utah. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Layton, Utah & Surrounding Area
Layton Auto Loan Rates
As Low As; Fixed Rate
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As Low As; Fixed
As Low As; Fixed
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
As Low As; Fixed
$30,000; As Low As; Fixed
As Low As; Fixed
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
2026 & Newer
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As Low As; Age of Vehicle: 2016-2026. LOWEST RATE. No payment for 60 days
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
As Low As; Age of Vehicle: 2016-2026. No payment for 60 days
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As Low As; Fixed
As Low As
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Fixed. Your rate will be based on your credit score at the time the loan is requested.
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; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
As Low As; Fixed
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As Low As; Age of Vehicle: 2016-2026. No payment for 60 days
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AS LOW AS; OAC*
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APR* (as low as); Model Year: 2019-2026
Model Year: 2019-2026
As Low As; Fixed
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
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As Low As; Age of Vehicle: 2016-2026. $12,000 or more. No payment for 60 days
As Low As
As low as; Qualifying balance up to $1,000.00
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Annual Percentage Rates shown are "as low as."
Vehicle Year: 2017-2027
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Model Year: 2017-2027
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As Low As; Model Year: 2020 and Newer
Vehicle Year: 2017-2027
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APR* (as low as); Model Year: 2019-2026
Model Year: 2019-2026
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Credit Score: 850-750
Year of Vehicle: 2022-2024; Rate Type: Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
2023 - 2025*
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Rates displayed are the lowest rates available including a discount for automatic payment.
Vehicle Year: 2017-2027
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As Low As; Model Year: 2020 and Newer
Vehicle Year: 2017-2027
As low as; Year: 2017 - Newer
APR* (as low as); Model Year: 2019-2026
Model Year: 2019-2026
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.
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
As Low As; 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.
Vehicle Year: 2026
Vehicle Year: 2020 - 2026; Value: High Book
As low as; Qualifying balance up to $1,000.00
Credit Score: A+ >740
Credit Score: A+ >740
As low as; Year: 2017 - Newer
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As Low As
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Credit Score: 749-700
Credit Score: 850-750
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: 84 month term 6.49% $591/month; 120 month term 7.49% $472/month; Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
As Low As; Age of Vehicle: 2016-2026. $25,000 or more. No payment for 60 days
Vehicle Year: 2026; Value: over $25,000.00
As low as; Qualifying balance up to $1,000.00
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Credit Score: A+ >740
Credit Score: A+ >740
As Low As; Fixed; $25,000 min.
APR* (as low as); Model Year: 2019-2026
$25,0000; As Low As
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.
Rates displayed are the lowest rates available including a discount for automatic payment.
Credit Score: A 690-739
Credit Score: A 690-739
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Vehicle Year: 2017-2027
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**
Credit Score: A+ >740
As Low As; Model Year: 2020 and Newer
Vehicle Year: 2017-2027
As low as; Year: 2013 - 2016
APR* (as low as); Model Year: 2019-2026
Model Year: 2019-2026
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Credit Score: 699-650
Credit Score: 749-700
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Credit Score: B 660-689
Credit Score: B 660-689
Vehicle Year: 2016 and older; Value: High Book
2023 - 2025*
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10 years or newer
Layton New Auto Auto Loan Rates
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As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As; Fixed
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As low as
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; Fixed
Fixed. Your rate will be based on your credit score at the time the loan is requested.
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; Fixed
AS LOW AS; OAC*
As Low As; Fixed
As Low As
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
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Annual Percentage Rates shown are "as low as."
Vehicle Year: 2017-2027
Model Year: 2017-2027
As Low As; Fixed
As Low As; Fixed
Vehicle Year: 2017-2027
As low as; Year: 2017 - Newer
As Low As; Fixed
As Low As
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As Low As
Credit Score: 850-750
Year of Vehicle: 2022-2024; Rate Type: Fixed
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As low as
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
As low as; Year: 2017 - Newer
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.
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
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: A+ >740
As low as; Year: 2017 - Newer
As Low As
Credit Score: 749-700
Credit Score: 850-750
Year of Vehicle: 2022-2024; Rate Type: Fixed
Credit Score: A+ >740
As Low As; Fixed; $25,000 min.
$25,0000; 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.
Credit Score: A 690-739
As Low As; Fixed
As low as
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
As low as; Year: 2013 - 2016
Credit Score: 699-650
Credit Score: 749-700
Credit Score: B 660-689
Layton Used Auto Auto Loan Rates
As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; Fixed
As Low As
Fixed. Your rate will be based on your credit score at the time the loan is requested.
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; Fixed
AS LOW AS; OAC*
As Low As; Fixed
As Low As
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Vehicle Year: 2017-2027
As Low As; Fixed
Vehicle Year: 2017-2027
As low as; Year: 2017 - Newer
As Low As; Fixed
Year of Vehicle: 2015-2021; Rate Type: Fixed
Rates displayed are the lowest rates available including a discount for automatic payment.
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
As low as; Year: 2017 - Newer
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.
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
As Low As; 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; Year: 2017 - Newer
As Low As
As Low As
As Low As
Year of Vehicle: 2015-2021; Rate Type: Fixed
As Low As; Fixed; $25,000 min.
$25,0000; 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.
Rates displayed are the lowest rates available including a discount for automatic payment.
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
As low as; Year: 2013 - 2016
As Low As; Fixed
Layton, UT Auto Loan Rate Trends
Compare local Layton, 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 rose 0.001 points over the past 7 days to 6.432% APR.
Utah used auto rates fell 0.126 points over the past 7 days to 5.970% APR.
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 @ 6.43% APR UT average | Used Auto @ 5.97% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $293.01/mo | $289.78/mo | $3.23/mo |
| $25,000 | $488.35/mo | $482.97/mo | $5.38/mo |
| $35,000 | $683.69/mo | $676.16/mo | $7.54/mo |
| $45,000 | $879.03/mo | $869.34/mo | $9.69/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.
About Our Layton, Utah Auto Loan Rate Database
Our Layton, Utah auto loan tables currently track 43 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Layton, Utah database right now is 2.49% APR from P&S Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Layton, Utah
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Layton, 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 Layton, 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 → Layton, Utah CD rates lock in a guaranteed return until you’re ready to buy
Layton, Utah Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
A $586 monthly car payment works out to roughly 15.1% of the median individual income in Layton, Utah. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Layton, 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 1–3 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 (0–2.9% 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 Layton, 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 Layton, 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 Layton, 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 Layton, Utah. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in UT.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Layton, 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 Layton, 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?
What are the best Auto Loan rates in Layton, Utah?
- Goldenwest Federal Credit Union: 4.49% (Auto Loan)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- America First Federal Credit Union: 4.99% (Auto Loan)
- D. L. Evans Bank: 5.49% (Vehicle age - 4-7 years Loan)
- Chase Bank: 5.94% (New car purchase Loan)
