Auto Loan Rates in Salt Lake City, Utah (UT) for March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Salt Lake City, Utah include P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356A+5.0 ★Texas Ratio: 0.13% offering New Truck & Auto Loans (2026 and Untitled 2025 Vehicles) at 2.49%, Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.57% offering New Cars at 4.09%, Texas Health Credit UnionTexas Health Credit Union4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120A5.0 ★Texas Ratio: 8.83% offering New and Used Vehicles at 4.49%, Chartway Credit UnionChartway Credit Union2210 S State St, Salt Lake City, UT, 84115A+5.0 ★Texas Ratio: 1.26% offering New 2025 Auto Loan at 4.50%, UPS Employees Federal Credit UnionUPS Employees Federal Credit Union4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207A+5.0 ★Texas Ratio: 0.73% offering New and Used Auto Loans at 4.69%. Auto loan rates as of March 28, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Salt Lake City, Utah are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Salt Lake City, Utah. Auto Loan Rates Last Updated and Verified: March 28, 2026
Compare Auto Loan Rates Today in Salt Lake City, Utah & Surrounding Area
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
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As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
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As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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As Low As; Fixed
As Low As; Fixed
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Rates include a 0.50% discount for automatic payment.
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As Low As
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As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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As Low As
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As Low As
As Low As; Fixed
Rates include a 0.50% discount for automatic payment.
Rates include a 0.50% discount for automatic payment.
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2022-2026 for 73-96 months at 5.90%
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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As Low As; Fixed
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As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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As Low As; Fixed
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2019-2021 up to 72 months at 6.00%
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2022-2026 up to 72 months at 4.49%
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As Low As; Fixed
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$30,000; As Low As; Fixed
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Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As; APR - 2026 & Newer
As Low As; APR - 2026 & Newer
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As; LOWEST RATE. No payment for 60 days
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
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As Low As; APR - 2023 - 2025*
As Low As
As Low As; No payment for 60 days
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
As Low As
As Low As; No payment for 60 days
Credit Score 720+
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
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As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
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As Low As; Year: 2017 - Newer; Max Term: Months
As Low As; APR - 2023 - 2025*
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
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As Low As; $12,000 or more. No payment for 60 days
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As Low As; 84k miles max
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As Low As; Year: 2017 - Newer; Max Term: Months
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As Low As; 2016-2026
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Credit Score 720+
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
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A+ >740
A+ >740
As Low As; 60k miles max
As Low As; Year: 2017 - Newer; Max Term: Months
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As Low As
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As Low As
As Low As; Rates Reflect 0.25% Discount for Active Rewards Checking.
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A+ >740
A+ >740
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
A 690-739
A 690-739
As Low As
As Low As
As Low As; $25,000 or more. No payment for 60 days
A+ >740
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As Low As; 36k miles max, $30k min
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As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As
As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As
Rates include a 0.50% discount for automatic payment.
As Low As
As Low As
2022-2026 for 73-96 months at 5.90%
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
2019-2021 up to 72 months at 6.00%
2022-2026 up to 72 months at 4.49%
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As; 84k miles max
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
A+ >740
As Low As; 60k miles max
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
As Low As
A+ >740
A 690-739
As Low As; 36k miles max, $30k min
As Low As
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
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2022-2026 for 73-96 months at 5.90%
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As
As Low As
As Low As; 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
2019-2021 up to 72 months at 6.00%
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2022-2026 up to 72 months at 4.49%
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As Low As
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As Low As
Rates apply to new loans only.; Add 1% for model year 2020.; Add 2% for model year 2019.; Rates for autos older that 10 years will be based on the condition of the auto.; Loan to Value for Autos is maximum of 110% LTV.; *Conditions apply, contact us for details.; Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As
As Low As
As Low As
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Year: 2017 - Newer; Max Term: Months
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New auto loan rates rose 0.226 points this week to 6.040% APR, up from 5.814% last week.
Used auto loan rates rose 0.078 points this week to 6.590% APR, up from 6.511% last week.
Frequently Asked Questions about Auto Loans in Salt Lake City, Utah
How does my credit score affect my car loan rate in Utah?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Salt Lake City, Utah?
- P&S Credit Union: 2.49% (New Truck & Auto Loans (2026 and Untitled 2025 Vehicles))
- Delta Community Credit Union: 4.09% (New Cars)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
- Chartway Credit Union: 4.50% (New 2025 Auto Loan)
- UPS Employees Federal Credit Union: 4.69% (New and Used Auto Loans)
