North Salt Lake, Utah Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in North Salt Lake, Utah include Goldenwest Federal Credit UnionGoldenwest Federal Credit Union659 N Redwood Rd, North Salt Lake, UT, 84054A+5.0 ★Texas Ratio: 2.32% offering Auto Loan at 4.49%, Cyprus Federal Credit UnionCyprus Federal Credit Union450 E 1100 N, North Salt Lake, UT, 84054A+5.0 ★Texas Ratio: 2.94% 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: 7.35% offering Auto Loan at 4.99%, P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.19% offering New Truck & Auto Loans at 2.49%, Education 1st Credit UnionEducation 1st Credit UnionA+5.0 ★Texas Ratio: 2.02% offering New or Used Auto at 3.95%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
North Salt Lake has 3 local institutions in our database, with auto loan rates as low as 4.49% APR from Goldenwest Federal Credit Union at 659 N Redwood Rd, North Salt Lake, UT, 84054. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Salt Lake, Utah. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in North Salt Lake, Utah & Surrounding Area
North Salt Lake Auto Loan Rates
As Low As; Fixed Rate
Vehicle Year: 2017-2027
As Low As; Fixed
Vehicle Year: 2017-2027
As Low As; Fixed
As Low As; Fixed
Vehicle Year: 2017-2027
As Low As; Fixed
Vehicle Year: 2016 & Older
Vehicle Year: 2016 & Older
$30,000; As Low As; Fixed
As Low As; Fixed
Fixed
Fixed
As Low As; Age of Vehicle: 2016-2026; Benefits: LOWEST RATE. No payment for 60 days
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Fixed
Fixed
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; 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; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Term: Up to 84 Months (minimum $20,000)
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
As Low As; *
As Low As
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; 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
Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
As Low As
As low as
As Low As; Age of Vehicle: 2016-2026; Benefits: No payment for 60 days
Rates as low as 4.74% APR for up to 66 months, based on creditworthiness. No payments required for the first 60 days; interest accrues from the date of funding.
As Low As
AS LOW AS; OAC*
As Low As
As Low As
As Low As
As Low As; Model Year: 2019-2026
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Fixed
As Low As; Fixed
Fixed
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Credit Score: 800+; *
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
As Low As; Model Year: 2020 & Newer
As Low As; Age of Vehicle: 2016-2026; Benefits: $12,000 or more. No payment for 60 days
Vehicle Year: 2026
As Low As
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as
As Low As; *
Model Year: 2017-2027
As Low As; Fixed
As Low As; Fixed
As Low As; 84k miles max
As low as; Year: 2017 - Newer
As Low As
As Low As; Model Year: 2019-2026
As low as
As low as
Example of repayment terms; Other requirements and restrictions my apply to your loan.
Vehicles, 2016 and newer
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2022-2024
Year of Vehicle: 2015-2021
As Low As; Model Year: 2020 & Newer
Vehicle Year: 2026; Value: over $25,000.00
Rates displayed are the lowest rates available including a discount for automatic payment.
As low as
As Low As; *
As Low As; 60k miles max
As low as; Year: 2017 - Newer
As Low As; Model Year: 2019-2026
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Score: 730-799
As Low As; Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Model Year: 2020 & Newer
Vehicle Year: 2020 - 2026; Value: High Book
As Low As
Credit Score: A+ >740
Credit Score: A+ >740
As low as; Year: 2017 - Newer
As low as
Year of Vehicle: 2022-2024
Year of Vehicle: 2015-2021
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below: 84 month term 6.49% $591/month; 120 month term 7.49% $472/month; Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
As Low As; Age of Vehicle: 2016-2026; Benefits: $25,000 or more. No payment for 60 days
Vehicle Year: 2020 - 2026; Value: High Book
As Low As
As Low As
Credit Score: A+ >740
Credit Score: A+ >740
As Low As
As Low As; Model Year: 2019-2026
Credit Score: 700-729
As Low As
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates displayed are the lowest rates available including a discount for automatic payment.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Credit Score: A 690-739
Credit Score: A 690-739
As Low As; Fixed
Credit Score: 651-699
As Low As; Model Year: 2020 & Newer
As Low As
As Low As; *
**
Credit Score: A+ >740
As Low As
As Low As; 36k miles max, $30k min
As low as; Year: 2013 - 2016
As Low As; Model Year: 2019-2026
As low as
As low as
As Low As
As Low As; Fixed
Vehicles, 2016 and newer
Credit Score: B 660-689
Credit Score: B 660-689
Vehicle Year: 2016 and older; Value: High Book
10 years or newer
As Low As; Model Year: 2019 & Older
As Low As; Age of Vehicle: 2011-2015; Benefits: No payment for 60 days
Vehicle Year: 2020 - 2026; Value: High Book
Type: Fixed
Model Year: 2017-2027
As Low As; Older Model; Model Year: 2011-2018
As Low As
As Low As; Fixed
Credit Score: 730-799
Credit Score: B 660-689
Credit Score: B 660-689
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Model Year: 2019 & Older
As Low As
Type: Fixed
Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below: 60 month term 5.65% $760/month; 120 month term 7.49% $472/month; Flexible terms up to 120 months; Great rates for all no matter your credit score; Skip up to one payment per year
Credit Score: A+ >740
As Low As; Older Model; Model Year: 2011-2018
Credit Score: B 660-689
Vehicle Year: 2017 - 2019; Value: High Book
Vehicle Year: 2026; Value: over $30,000.00
As Low As
As Low As
Credit Score: A+ >740
As Low As; Older Model; Model Year: 2011-2018
Get more information about our Auto loans
Credit Score: 700-729
Vehicles, 2015 to 2010
North Salt Lake New Auto Auto Loan Rates
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
As Low As; Fixed
Fixed
Fixed
Fixed
Fixed
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; 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
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
Rates as low as 4.74% APR for up to 66 months, based on creditworthiness. No payments required for the first 60 days; interest accrues from the date of funding.
AS LOW AS; OAC*
As Low As
As Low As
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Fixed
Fixed
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
As low as
Model Year: 2017-2027
As Low As; Fixed
As Low As; 84k miles max
As low as; Year: 2017 - Newer
As Low As
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2022-2024
As low as
As Low As; 60k miles max
As low as; Year: 2017 - Newer
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Score: A+ >740
As low as; Year: 2017 - Newer
Year of Vehicle: 2022-2024
Credit Score: A+ >740
As Low As
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Credit Score: A 690-739
As Low As; Fixed
As Low As; 36k miles max, $30k min
As low as; Year: 2013 - 2016
Credit Score: B 660-689
Model Year: 2017-2027
Credit Score: B 660-689
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Score: A+ >740
Get more information about our Auto loans
North Salt Lake Used Auto Auto Loan Rates
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
Vehicle Year: 2017-2027
Vehicle Year: 2016 & Older
Vehicle Year: 2016 & Older
Fixed
Fixed
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Fixed
Fixed
Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; 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
Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
AS LOW AS; OAC*
As Low As
As Low As
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Fixed
Fixed
Fixed Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply. Advertised APR includes 0.25% loan rate discount with Personal Checking.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as
As Low As; Fixed
As low as; Year: 2017 - Newer
As Low As
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Year of Vehicle: 2015-2021
Rates displayed are the lowest rates available including a discount for automatic payment.
As low as; Year: 2017 - Newer
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As low as; Year: 2017 - Newer
Year of Vehicle: 2015-2021
As Low As
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates displayed are the lowest rates available including a discount for automatic payment.
Model Year: Used 2026-2025; Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As low as; Year: 2013 - 2016
As Low As; Fixed
As Low As; Fixed
As Low As*; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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.
Utah new auto rates fell 0.008 points over the past 7 days to 6.423% APR.
Utah used auto rates fell 0.010 points over the past 7 days to 5.960% APR.
North Salt Lake, UT Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Utah APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.42% APR UT average | Used Auto @ 5.96% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $292.95/mo | $289.71/mo | $3.24/mo |
| $25,000 | $488.25/mo | $482.85/mo | $5.40/mo |
| $35,000 | $683.55/mo | $675.99/mo | $7.56/mo |
| $45,000 | $878.85/mo | $869.14/mo | $9.72/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in North Salt Lake, Utah
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving North Salt Lake, Utah locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Utah. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a North Salt Lake, Utah high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: North Salt Lake, Utah CD rates lock in a guaranteed return until you’re ready to buy
North Salt Lake, Utah Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $586 monthly car payment works out to roughly 13.9% of the median individual income in North Salt Lake, Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in North Salt Lake, Utah, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in North Salt Lake, Utah. We’ve prefilled the APR with today’s UT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for 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?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in North Salt Lake, Utah?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in North Salt Lake, Utah?
- Goldenwest Federal Credit Union: 4.49% (Auto Loan)
- Cyprus Federal Credit Union: 4.99% (New & Used Cars and Trucks Loan)
- America First Federal Credit Union: 4.99% (Auto Loan)
- P&S Credit Union: 2.49% (New Truck & Auto Loans)
- Education 1st Credit Union: 3.95% (New or Used Auto)
North Salt Lake, Utah Rates & Resources
