Auto Loan Rates in Montezuma Creek, Utah (UT) for March 2026
Brian McKay
Brian McKay
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Current auto loan rates in Montezuma Creek, Utah include P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356A+5.0 ★Texas Ratio: 0.13% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, 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 at 3.90%, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 3.24% offering Fixed Rate Auto Loan 2018- 2027 Model Year at 3.99%, Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.57% offering New Cars at 4.09%. Auto loan rates as of March 27, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Montezuma Creek, Utah are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Montezuma Creek, Utah. Auto Loan Rates Last Updated and Verified: March 27, 2026
Compare Auto Loan Rates Today in Montezuma Creek, Utah & Surrounding Area
As Low As
As Low As; APR - 2026 & Newer
As Low As; APR - 2026 & Newer
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As; LOWEST RATE. No payment for 60 days
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As; APR - 2023 - 2025*
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; 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; No payment for 60 days
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; No payment for 60 days
Credit Score 720+
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As; Fixed
As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
As Low As
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As
As Low As; APR - 2023 - 2025*
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
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 displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; $12,000 or more. No payment for 60 days
As Low As
As Low As
As Low As; Fixed
As Low As; Fixed
As Low As
As Low As; 84k miles max
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; 2016-2026
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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 720+
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
A+ >740
A+ >740
As Low As; 60k miles max
Rates include a 0.50% discount for automatic payment.
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
As Low As
A+ >740
A+ >740
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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 displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
A 690-739
A 690-739
As Low As
As Low As
As Low As
As Low As; $25,000 or more. No payment for 60 days
As Low As
As Low As
As Low As
As Low As; Fixed
A+ >740
As Low As
As Low As
As Low As
As Low As; 36k miles max, $30k min
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As; Year: 2013 - 2016; Max Term: Months
As Low As
As Low As
As Low As
As Low As; APR - 2023 - 2025*
As Low As
As Low As
As Low As
As Low As
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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.
B 660-689
B 660-689
Credit Score 700-719
Credit Score 700-719
As Low As
As Low As
As Low As; Fixed
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
B 660-689
B 660-689
Credit Score 720+ max LTV: 110%
As Low As; 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; Fixed
A+ >740
As Low As
As Low As
As Low As
As Low As
AUTO LOAN SPECIAL; 2019-2021 up to 72 months at 6.00%
As Low As
Credit Score 720+ max LTV: 125%
B 660-689
As Low As
A+ >740
As Low As
As Low As
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 displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; 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 displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
As Low As
As Low As; 84k miles max
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
A+ >740
As Low As; 60k miles max
Rates include a 0.50% discount for automatic payment.
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As
As Low As
As Low As
As Low As
A+ >740
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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.
A 690-739
As Low As
As Low As
As Low As; 36k miles max, $30k min
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As; Year: 2013 - 2016; Max Term: Months
As Low As
As Low As
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
B 660-689
As Low As
As Low As
As Low As
B 660-689
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
A+ >740
AUTO LOAN SPECIAL; 2019-2021 up to 72 months at 6.00%
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As
As Low As
As Low As; 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; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
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 displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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: 2017 - Newer; Max Term: Months
As Low As
As Low As
As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Year: 2013 - 2016; Max Term: Months
As Low As
As Low As
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. 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
As Low As
As Low As
As Low As
As Low As; 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
AUTO LOAN SPECIAL; 2019-2021 up to 72 months at 6.00%
As Low As
As Low As
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New auto loan rates rose 0.246 points this week to 6.042% APR, up from 5.795% last week.
Used auto loan rates rose 0.185 points this week to 6.605% APR, up from 6.420% last week.
Frequently Asked Questions about Auto Loans in Montezuma Creek, 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?
What are the best Auto Loan rates in Montezuma Creek, Utah?
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Baxter Credit Union: 3.24% (Auto Loans)
- Education 1st Credit Union: 3.90% (New or Used Auto)
- West Branch Valley Federal Credit Union: 3.99% (Fixed Rate Auto Loan 2018- 2027 Model Year)
- Delta Community Credit Union: 4.09% (New Cars)
