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Auto Loan Rates in North Salt Lake, Utah (UT) for July 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in North Salt Lake, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: July 25, 2026

Current auto loan rates in North Salt Lake, Utah include Cyprus Federal Credit UnionCyprus Federal Credit Union450 E 1100 N, North Salt Lake, UT, 84054A+5.0 ★Texas Ratio: 2.25% offering New & Used Cars and Trucks Loan at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union725 N Redwood Rd, North Salt Lake, UT, 84054 2832A5.0 ★Texas Ratio: 7.26% offering Auto Loan at 4.99%, Utah First Federal Credit UnionUtah First Federal Credit UnionA+5.0 ★Texas Ratio: 1.94% offering Auto Loan - Up To 60 Months - Credit Grade A+ at 3.50%, Education 1st Credit UnionEducation 1st Credit UnionA+5.0 ★Texas Ratio: 1.08% offering New or Used Auto at 3.95%, Koin Credit UnionKoin Credit UnionA+5.0 ★Texas Ratio: 3.16% offering New Auto at 4.25%. Auto loan rates as of July 25, 2026 according to verified data from MonitorBankRates.

North Salt Lake has 2 local institutions in our database, with auto loan rates as low as 4.99% APR from Cyprus Federal Credit Union at 450 E 1100 N, North Salt Lake, UT, 84054. 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 North Salt Lake, Utah. Auto Loan Rates Last Updated and Verified: July 25, 2026

Compare Auto Loan Rates Today in North Salt Lake, Utah & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

North Salt Lake Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details

As Low As; *

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedJul 24, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Monday, July 06, 2026.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Utah Auto Loans
4.99%
5 Year Fixed
View
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 24, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 24, 2026
Details

*

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Auto Loan
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedJul 24, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Monday, July 06, 2026.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedJul 24, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Monday, July 06, 2026.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 24, 2026
Details

*

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedJul 24, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Monday, July 06, 2026.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details

As Low As; Vehicle Year: 2016 & Older

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 24, 2026
Details

As Low As; Vehicle Year: 2016 & Older

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
725 N Redwood Rd, North Salt Lake, UT, 84054 2832
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedJul 24, 2026
Details

$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Monday, July 06, 2026.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade A+
3.50%
Up To 60 Months
View
▼
APR3.50%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score 730+

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
View
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade A+
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score 730+

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade A
4.00%
Up To 60 Months
View
▼
APR4.00%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score 680-729

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
View
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details

As Low As

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedJul 25, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade A
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score 680-729

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loan
4.69%
48 months
View
▼
APR4.69%
Term48 months
Last UpdatedJul 16, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedJul 24, 2026
Details

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.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedJul 25, 2026
Details

As low as

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
4.74%
5 Years / 60 Months
View
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
4.74%
5 Years / 60 Months
View
▼
APR4.74%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Auto Loan
4.74%
60 MONTH TERM
View
▼
APR4.74%
Term60 MONTH TERM
Last UpdatedJul 24, 2026
Details

NEW & USED AS LOW AS 4.74% APR OAC*

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
60-mo Auto Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedJul 24, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
4.74%
24 to 48 Months
View
▼
APR4.74%
Term24 to 48 Months
Last UpdatedJul 24, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedJul 24, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 25, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
4.99%
5 Years / 60 Months
View
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
4.99%
5 Years / 60 Months
View
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
GoldStar® Auto Loan
4.99%
60 month term
View
▼
APR4.99%
Term60 month term
Last UpdatedJul 22, 2026
Details

Rate is 0.25% higher for non-GoldStar® members

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loans
4.99%
60 Month
View
▼
APR4.99%
Term60 Month
Last UpdatedJul 23, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedJul 24, 2026
Details

As Low As

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedJul 24, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Auto loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedJul 24, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
4.99%
Up to 60 months (84k miles max)
View
▼
APR4.99%
TermUp to 60 months (84k miles max)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Auto - 36 month term
5.14%
36 month term
View
▼
APR5.14%
Term36 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2022-2024; Rate Type: Fixed

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Auto - 36 month term
5.14%
36 month term
View
▼
APR5.14%
Term36 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2015-2021; Rate Type: Fixed

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.24%
6 Years / 72 Months
View
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.24%
6 Years / 72 Months
View
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedJul 24, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
5.24%
Up to 72 months (60k miles max)
View
▼
APR5.24%
TermUp to 72 months (60k miles max)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade B
5.25%
Up To 60 Months
View
▼
APR5.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score 640-679

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older
5.29%
5-years
View
▼
APR5.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedJul 24, 2026
Details

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.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
New Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details

As Low As

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
Used Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details

As Low As

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedJul 24, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedJul 25, 2026
Details

Credit Score: A+ >740

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
View
▼
APR5.49%
Term2 Years
Last UpdatedJul 25, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Auto Loans
5.64%
60 months
View
▼
APR5.64%
Term60 months
Last UpdatedJul 25, 2026
Details

For members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Auto - 60 month term
5.64%
60 month term
View
▼
APR5.64%
Term60 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2022-2024; Rate Type: Fixed

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Vehicle - 60 month term Loan
5.64%
60 month term
View
▼
APR5.64%
Term60 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2015-2021; Rate Type: Fixed

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
5.65%
60 month
View
▼
APR5.65%
Term60 month
Last UpdatedJul 25, 2026
Details

Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.74%
7 Years / 84 Months
View
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
5.74%
4 Years / 48 Months
View
▼
APR5.74%
Term4 Years / 48 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2011-2018

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.74%
7 Years / 84 Months
View
▼
APR5.74%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedJul 25, 2026
Details

Credit Score: A+ >740

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedJul 25, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 25, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
View
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade B
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score 640-679

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.84%
7 Years
View
▼
APR5.84%
Term7 Years
Last UpdatedJul 25, 2026
Details

Credit Score: A 690-739

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
View
▼
APR5.84%
Term2 Years
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan
5.99%
7 Years / 84 Months
View
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
5.99%
4 Years / 48 Months
View
▼
APR5.99%
Term4 Years / 48 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2011-2018

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
5.99%
7 Years / 84 Months
View
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2019-2026

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedJul 16, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedJul 22, 2026
Details

As Low As

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedJul 24, 2026
Details

**

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedJul 25, 2026
Details

Credit Score: A+ >740

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2019 - 2015
5.99%
Refer to mileage guidelines above
View
▼
APR5.99%
TermRefer to mileage guidelines above
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2019 - 2015

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
5.99%
Up to 84 mo (36k miles max, $30k min)
View
▼
APR5.99%
TermUp to 84 mo (36k miles max, $30k min)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2013 - 2016

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.09%
7 Years
View
▼
APR6.09%
Term7 Years
Last UpdatedJul 25, 2026
Details

Credit Score: B 660-689

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.09%
2 Years
View
▼
APR6.09%
Term2 Years
Last UpdatedJul 25, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.24%
5 Years / 60 Months
View
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2011-2018

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.24%
5 Years / 60 Months
View
▼
APR6.24%
Term5 Years / 60 Months
Last UpdatedJul 16, 2026
Details

As Low As; Older Model; Model Year: 2011-2018

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
All Terrain Vehicle Loan
6.24%
Up to 72 months
View
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 22, 2026
Details

10 years or newer

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.69%
Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedJul 24, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedJul 24, 2026
Details

Fixed; As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2016 & Older

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.34%
60 Months
View
▼
APR6.34%
Term60 Months
Last UpdatedJul 25, 2026
Details

Credit Score: B 660-689

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.34%
72 Months
View
▼
APR6.34%
Term72 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
View
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
View
▼
APR6.44%
Term84 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.49%
6 Years / 72 Months
View
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2011-2018

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.49%
6 Years / 72 Months
View
▼
APR6.49%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Older Model; Model Year: 2011-2018

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.49%
60 months
View
▼
APR6.49%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedJul 24, 2026
Details

Fixed; As Low As

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
6.49%
84 month
View
▼
APR6.49%
Term84 month
Last UpdatedJul 25, 2026
Details

Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2016 & Older

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.59%
72 Months
View
▼
APR6.59%
Term72 Months
Last UpdatedJul 25, 2026
Details

Credit Score: B 660-689

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loan Older Model
6.74%
6 Years / 72 Months
View
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Model Year: 2011-2018

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Auto Loans
6.74%
6 Years / 72 Months
View
▼
APR6.74%
Term6 Years / 72 Months
Last UpdatedJul 16, 2026
Details

As Low As; Older Model; Model Year: 2011-2018

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedJul 25, 2026
Details

Credit Score: A+ >740

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
View
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details

As Low As

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
New Auto Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older (Branded/Rebuilt Title) Auto Loan
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2019 & Older Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedJul 22, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2014 and Older
6.99%
Refer to mileage guidelines above
View
▼
APR6.99%
TermRefer to mileage guidelines above
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2014 and Older

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
Used Auto Loan
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
7.09%
84 Months
View
▼
APR7.09%
Term84 Months
Last UpdatedJul 25, 2026
Details

Credit Score: A 690-739

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.09%
84 Months
View
▼
APR7.09%
Term84 Months
Last UpdatedJul 25, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedJul 24, 2026
Details

Fixed; As Low As

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
7.34%
84 Months
View
▼
APR7.34%
Term84 Months
Last UpdatedJul 25, 2026
Details

Credit Score: B 660-689

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans
7.49%
120 month
View
▼
APR7.49%
Term120 month
Last UpdatedJul 25, 2026
Details

Limited Time Offer; Minimum Loan Amount 108 months - $30,000; 120 months - $40,000; Minimum Credit Score of 660, Vehicles -4 years old or newer.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 24 - 36 months
7.49%
36 Months
View
▼
APR7.49%
Term36 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.49%
96 Months
View
▼
APR7.49%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 48 months
7.74%
48 months
View
▼
APR7.74%
Term48 months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
View
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 24 - 36 months
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 60 months
7.99%
60 months
View
▼
APR7.99%
Term60 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.99%
96 Months
View
▼
APR7.99%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 48 months
8.24%
48 months
View
▼
APR8.24%
Term48 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.24%
120 months
View
▼
APR8.24%
Term120 months
Last UpdatedJul 25, 2026
Details

Limited Time Special***

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade C
8.25%
Up To 60 Months
View
▼
APR8.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score 600-639

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 60 months
8.49%
60 months
View
▼
APR8.49%
Term60 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 72 months
8.49%
72 months
View
▼
APR8.49%
Term72 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.49%
96 Months
View
▼
APR8.49%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade C
8.75%
72 Months
View
▼
APR8.75%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score 600-639

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 72 months
8.99%
72 months
View
▼
APR8.99%
Term72 months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 24 - 36 months
9.74%
36 Months
View
▼
APR9.74%
Term36 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 48 months
9.99%
48 months
View
▼
APR9.99%
Term48 months
Last UpdatedJul 25, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 2.75%
Commercial Vehicle Loans
10.00%
3 Year / 36 Months
View
▼
APR10.00%
Term3 Year / 36 Months
Last UpdatedJul 16, 2026
Details

Model Year: 2018-2025

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 60 months
10.24%
60 months
View
▼
APR10.24%
Term60 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 72 months
10.74%
72 months
View
▼
APR10.74%
Term72 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.49%
7 Years
View
▼
APR11.49%
Term7 Years
Last UpdatedJul 25, 2026
Details

Credit Score: C 620-659

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.49%
2 Years
View
▼
APR11.49%
Term2 Years
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.74%
60 Months
View
▼
APR11.74%
Term60 Months
Last UpdatedJul 25, 2026
Details

Credit Score: C 620-659

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.74%
72 Months
View
▼
APR11.74%
Term72 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
11.99%
72 Months
View
▼
APR11.99%
Term72 Months
Last UpdatedJul 25, 2026
Details

Credit Score: C 620-659

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade D
12.25%
Up To 60 Months
View
▼
APR12.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score 550-599

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
12.49%
84 Months
View
▼
APR12.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade D
12.75%
72 Months
View
▼
APR12.75%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score 550-599

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
12.99%
84 Months
View
▼
APR12.99%
Term84 Months
Last UpdatedJul 25, 2026
Details

Credit Score: C 620-659

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
13.74%
96 Months
View
▼
APR13.74%
Term96 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 24 - 36 months
14.49%
36 Months
View
▼
APR14.49%
Term36 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 48 months
14.99%
48 months
View
▼
APR14.99%
Term48 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 60 months
15.49%
60 months
View
▼
APR15.49%
Term60 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 72 months
16.24%
72 months
View
▼
APR16.24%
Term72 months
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - Up To 60 Months - Credit Grade E
16.25%
Up To 60 Months
View
▼
APR16.25%
TermUp To 60 Months
Last UpdatedJul 12, 2026
Details

FICO Score <549

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
Auto Loan - 61-72 Months - Credit Grade E
16.75%
72 Months
View
▼
APR16.75%
Term72 Months
Last UpdatedJul 12, 2026
Details

FICO Score <549

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 3-7 Years Old
18.00%
7 Years
View
▼
APR18.00%
Term7 Years
Last UpdatedJul 25, 2026
Details

Credit Score: D 600-619

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 24 - 36 months
18.00%
36 Months
View
▼
APR18.00%
Term36 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 48 months
18.00%
48 months
View
▼
APR18.00%
Term48 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 60 months
18.00%
60 months
View
▼
APR18.00%
Term60 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Auto Loans 8+ Years Old - 72 months
18.00%
72 months
View
▼
APR18.00%
Term72 months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
18.00%
2 Years
View
▼
APR18.00%
Term2 Years
Last UpdatedJul 25, 2026
Details

North Salt Lake New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details

As Low As; *

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 24, 2026
Details

*

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 24, 2026
Details

*

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
View
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
View
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedJul 11, 2026
Details

As Low As

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedJul 25, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 25, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedJul 24, 2026
Details

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.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedJul 25, 2026
Details

As low as

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 25, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedJul 11, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedJul 24, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
4.99%
Up to 60 months (84k miles max)
View
▼
APR4.99%
TermUp to 60 months (84k miles max)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Auto - 36 month term
5.14%
36 month term
View
▼
APR5.14%
Term36 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2022-2024; Rate Type: Fixed

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedJul 24, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
5.24%
Up to 72 months (60k miles max)
View
▼
APR5.24%
TermUp to 72 months (60k miles max)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 25, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older
5.29%
5-years
View
▼
APR5.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedJul 24, 2026
Details

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.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
New Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 22, 2026
Details

As Low As

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
View
▼
APR5.49%
Term2 Years
Last UpdatedJul 25, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
New Auto - 60 month term
5.64%
60 month term
View
▼
APR5.64%
Term60 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2022-2024; Rate Type: Fixed

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedJul 25, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 25, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto
5.75%
>$25,0000 for 84 months
View
▼
APR5.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
View
▼
APR5.84%
Term2 Years
Last UpdatedJul 25, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer (Branded/Rebuilt Title) Auto Loan
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedJul 22, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.78%
2020 & Newer Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedJul 22, 2026
Details

As Low As

Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans 2020 and Newer
5.99%
Up to 84 mo (36k miles max, $30k min)
View
▼
APR5.99%
TermUp to 84 mo (36k miles max, $30k min)
Last UpdatedJul 25, 2026
Details

As Low As; Model Year: 2020 and Newer

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2013 - 2016

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.09%
2 Years
View
▼
APR6.09%
Term2 Years
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.34%
72 Months
View
▼
APR6.34%
Term72 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
View
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
View
▼
APR6.44%
Term84 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
New Auto Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.09%
84 Months
View
▼
APR7.09%
Term84 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.49%
96 Months
View
▼
APR7.49%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
7.99%
96 Months
View
▼
APR7.99%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.24%
120 months
View
▼
APR8.24%
Term120 months
Last UpdatedJul 25, 2026
Details

Limited Time Special***

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
8.49%
96 Months
View
▼
APR8.49%
Term96 Months
Last UpdatedJul 25, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.49%
2 Years
View
▼
APR11.49%
Term2 Years
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
11.74%
72 Months
View
▼
APR11.74%
Term72 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
12.49%
84 Months
View
▼
APR12.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
13.74%
96 Months
View
▼
APR13.74%
Term96 Months
Last UpdatedJul 25, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
New Auto Loans - 0-2 Years Old
18.00%
2 Years
View
▼
APR18.00%
Term2 Years
Last UpdatedJul 25, 2026
Details

North Salt Lake Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details

As Low As; *

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 24, 2026
Details

*

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 24, 2026
Details

*

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 24, 2026
Details

As Low As; Vehicle Year: 2016 & Older

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
450 E 1100 N, North Salt Lake, UT, 84054
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 24, 2026
Details

As Low As; Vehicle Year: 2016 & Older

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
3.50%
5 Years
View
▼
APR3.50%
Term5 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
4.00%
6 Years
View
▼
APR4.00%
Term6 Years
Last UpdatedJul 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedJul 11, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loan New/Used 2015 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedJul 25, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJul 25, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedJul 24, 2026
Details

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.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto Loans
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedJul 25, 2026
Details

As low as

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedJul 25, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedJul 25, 2026
Details

Fixed. Your rate will be based on your credit score at the time the loan is requested.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedJul 24, 2026
Details

As Low As

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Auto - 36 month term
5.14%
36 month term
View
▼
APR5.14%
Term36 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2015-2021; Rate Type: Fixed

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedJul 25, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2015 & Older
5.29%
5-years
View
▼
APR5.29%
Term5-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New & Used Autos 2016 & Newer
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedJul 25, 2026
Details

Rates include a 0.50% discount for automatic payment.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedJul 24, 2026
Details

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.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.66%
Used Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedJul 11, 2026
Details

As Low As

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2017 - Newer

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Used Vehicle - 60 month term Loan
5.64%
60 month term
View
▼
APR5.64%
Term60 month term
Last UpdatedJul 25, 2026
Details

Year of Vehicle: 2015-2021; Rate Type: Fixed

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedJul 25, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedJul 24, 2026
Details

Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedJul 12, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 22.82%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedJul 25, 2026
Details

As low as; Year: 2013 - 2016

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2017-2027

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2016 & Older

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.39%
Up to 12 months
View
▼
APR6.39%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
6.44%
84 Months
View
▼
APR6.44%
Term84 Months
Last UpdatedJul 24, 2026
Details

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.

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedJul 25, 2026
Details

Vehicle Year: 2016 & Older

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto
6.75%
>$25,0000 for 84 months
View
▼
APR6.75%
Term>$25,0000 for 84 months
Last UpdatedJul 11, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
6.89%
72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR6.89%
Term72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 58.47%
Used Auto Loan
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.39%
84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
View
▼
APR7.39%
Term84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.59%
120 months for $50,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.59%
Term120 months for $50,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedJul 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.79%
180 months for $75,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.79%
Term180 months for $75,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Classic / Older Used Auto
7.99%
Up to 36 months
View
▼
APR7.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
7.99%
240 months for $100,000 or more on boats, RVs and aircraft loans only
View
▼
APR7.99%
Term240 months for $100,000 or more on boats, RVs and aircraft loans only
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedJul 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedJul 16, 2026
Details

North Salt Lake, UT Auto Loan Rate Trends

Compare local North Salt Lake, 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.

View Full Utah Auto Trends →
New Auto Loan — UT Avg
6.757%
▲ 0.008 vs 7 days ago

Utah new auto rates rose 0.008 points over the past 7 days to 6.757% APR.

Used Auto Loan — UT Avg
5.803%
▼ 0.250 vs 7 days ago

Utah used auto rates fell 0.250 points over the past 7 days to 5.803% APR.

As of Jul 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Salt Lake, 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.

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Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for North Salt Lake, 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 North Salt Lake, 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 North Salt Lake, Utah

How does my credit score affect my car loan rate in Utah?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Salt Lake, Utah with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Utah *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in North Salt Lake, Utah typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in North Salt Lake, Utah?

Based on our current data, some of the lowest auto loan rates available in North Salt Lake, Utah include:
  • Cyprus Federal Credit Union: 4.99% (New & Used Cars and Trucks Loan)
  • America First Federal Credit Union: 4.99% (Auto Loan)
  • Utah First Federal Credit Union: 3.50% (Auto Loan - Up To 60 Months - Credit Grade A+)
  • Education 1st Credit Union: 3.95% (New or Used Auto)
  • Koin Credit Union: 4.25% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Salt Lake, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 25, 2026

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