Auto Loan Rates in Sandy, Utah (UT) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Sandy, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sandy, Utah include West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 3.24% offering Fixed Rate Auto Loan 2018- 2027 Model Year at 3.99%, Jordan Federal Credit UnionJordan Federal Credit Union9260 S 300 E, Sandy, UT, 84070A+5.0 ★Texas Ratio: 3.01% offering 48 Month Auto Loan at 4.74%, Utah First Federal Credit UnionUtah First Federal Credit Union9213 S Quarry Bend Dr, Sandy, UT, 84094A+5.0 ★Texas Ratio: 2.03% offering Auto Loan at 4.99%, Cyprus Federal Credit UnionCyprus Federal Credit Union9383 S 700 E, Sandy, UT, 84070A+5.0 ★Texas Ratio: 2.42% offering New & Used Cars and Trucks at 4.99%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union7926 S 1300 E, Sandy, UT, 84094 0744A+5.0 ★Texas Ratio: 2.10% offering Auto Loans 36 Months at 4.99%.
Auto loan rates in Sandy, 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 Sandy, Utah. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Sandy, Utah & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
48 Month Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
Estimated monthly payment per $1,000 borrowed is approximately $22.91.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
60 Month Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Estimated monthly payment per $1,000 borrowed is approximately $18.75.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT, 84094 0744
Auto Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
72 Month Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Estimated monthly payment per $1,000 borrowed is approximately $16.10.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
4.99%
5 Years / 60 Months
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 5 Years / 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT, 84070
Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT, 84094 0744
Auto Loans 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
5.24%
5 Years / 60 Months
▼
APR5.24%
Term5 Years / 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 6 Years / 72 Months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Fixed Rate Auto Loan 2016 - 2017 Model Year
5.49%
2017 Mo
▼
APR5.49%
Term2017 Mo
Last UpdatedMar 15, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT, 84094 0744
Auto Loans 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
5.49%
6 Years / 72 Months
▼
APR5.49%
Term6 Years / 72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 17, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT, 84070
84 Month Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 17, 2026
Details
Estimated monthly payment per $1,000 borrowed is approximately $14.37.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
5.99%
7 Years / 84 Months
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 4 Years / 48 Months Older Model
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 7 Years / 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT, 84070
Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT, 84094 0744
Auto Loans 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan Older Model
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
6.24%
7 Years / 84 Months
▼
APR6.24%
Term7 Years / 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 5 Years / 60 Months Older Model
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 15, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan Older Model
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
6.49%
5 Years / 60 Months Older Model
▼
APR6.49%
Term5 Years / 60 Months Older Model
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
6.74%
6 Years / 72 Months Older Model
▼
APR6.74%
Term6 Years / 72 Months Older Model
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans 6 Years / 72 Months Older Model
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan Older Model
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans
6.99%
6 Years / 72 Months Older Model
▼
APR6.99%
Term6 Years / 72 Months Older Model
Last UpdatedMar 15, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loans Older Model
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT, 84070 6202
Business Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Fixed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT, 84070
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details
$30,000; As Low As; Fixed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
9.25%
72 Months
▼
APR9.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
9.74%
60 Months
▼
APR9.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
9.75%
144 Months
▼
APR9.75%
Term144 Months
Last UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Auto Loan
10.00%
36 Months
▼
APR10.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT, 84070
Commercial Vehicle Loans
10.00%
36 Months
▼
APR10.00%
Term36 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
10.25%
144 Months
▼
APR10.25%
Term144 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
10.50%
144 Months
▼
APR10.50%
Term144 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
11.50%
72 Months
▼
APR11.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
13.00%
60 Months
▼
APR13.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
13.74%
60 Months
▼
APR13.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
13.99%
72 Months
▼
APR13.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT, 84094
Other Vehicle Loan
14.50%
72 Months
▼
APR14.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
17.74%
60 Months
▼
APR17.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
Auto Loan
17.99%
72 Months
▼
APR17.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
12 Months
▼
APR2.49%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.90%
24 Months
▼
APR3.90%
Term24 Months
Last UpdatedMar 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 13, 2026
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As; LOWEST RATE. No payment for 60 days
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
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.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
4.59%
61-72 months (greater than or equal to $20,000)
▼
APR4.59%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 13, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As; No payment for 60 days
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48
▼
APR4.75%
Term13 to 48
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to 24 months
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
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.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
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.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.85%
72 Months
▼
APR4.85%
Term72 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 13, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 15, 2026
Details
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".
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Credit Score 800+
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As; No payment for 60 days
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedMar 20, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
60-month Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; 24 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
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.
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.00%
49 to 60
▼
APR5.00%
Term49 to 60
Last UpdatedMar 17, 2026
Details
As Low As
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMar 13, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
5.09%
73-84 months (greater than or equal to $30,000)
▼
APR5.09%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 13, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2015-2021
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
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.
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As; $12,000 or more. No payment for 60 days
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMar 16, 2026
Details
As Low As; Up to 60 months (84k miles max)
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
5.25%
61 to 66 months
▼
APR5.25%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
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.
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan 2016-2026
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMar 17, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
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".
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 13, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
5.49%
73 to 75 months
▼
APR5.49%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
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.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedMar 13, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedMar 13, 2026
Details
A+ >740
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.49%
5 yrs
▼
APR5.49%
Term5 yrs
Last UpdatedMar 15, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.49%
Up to 72
▼
APR5.49%
TermUp to 72
Last UpdatedMar 16, 2026
Details
As Low As; Up to 72 months (60k miles max)
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 72 months
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 72 months
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
500 E 1400 N, Logan, UT, 84341
Vehicle Loan 2016-2026
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.50%
61 to 72
▼
APR5.50%
Term61 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
5.64%
73-84
▼
APR5.64%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2022-2024
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Vehicle - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2015-2021
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.65%
61 to 72
▼
APR5.65%
Term61 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
A+ >740
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 13, 2026
Details
A+ >740
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
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".
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.84%
76 to 84 months
▼
APR5.84%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
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.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Auto Loan
5.84%
84 Months
▼
APR5.84%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.84%
7 Years
▼
APR5.84%
Term7 Years
Last UpdatedMar 13, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedMar 13, 2026
Details
A 690-739
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Used Vehicle Loan
5.89%
12-60
▼
APR5.89%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Used Vehicle Loan
5.94%
61-72
▼
APR5.94%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.95%
73 to 84
▼
APR5.95%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As; $25,000 or more. No payment for 60 days
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile > 5 years (Based on age of vehicle - 1% additional for each year above 5 years using risk-based scale)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Auto Loans 3-7 Years Old
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
A+ >740
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Older Car and Truck - Purchase, Refinance, or Title Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Auto Loans
5.99%
6 yrs
▼
APR5.99%
Term6 yrs
Last UpdatedMar 15, 2026
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Older Car and Truck - Purchase, Refinance or Title Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.99%
Up to 84
▼
APR5.99%
TermUp to 84
Last UpdatedMar 16, 2026
Details
As Low As; Up to 84 mo (36k miles max, $30k min)
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2013 - 2016
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Auto Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New & Used Auto Loans 2022-2025
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
New Auto Loan
6.75%
Up to 84 months
▼
APR6.75%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
12 Months
▼
APR2.49%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.90%
24 Months
▼
APR3.90%
Term24 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 13, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
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.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
4.59%
61-72 months (greater than or equal to $20,000)
▼
APR4.59%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 13, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48
▼
APR4.75%
Term13 to 48
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to 24 months
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.85%
72 Months
▼
APR4.85%
Term72 Months
Last UpdatedMar 13, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 15, 2026
Details
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".
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedMar 20, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
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.
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.00%
49 to 60
▼
APR5.00%
Term49 to 60
Last UpdatedMar 17, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
New Cars
5.09%
73-84 months (greater than or equal to $30,000)
▼
APR5.09%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 13, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2022-2024
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
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.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMar 16, 2026
Details
As Low As; Up to 60 months (84k miles max)
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
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".
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 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: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedMar 13, 2026
Details
A+ >740
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.49%
Up to 72
▼
APR5.49%
TermUp to 72
Last UpdatedMar 16, 2026
Details
As Low As; Up to 72 months (60k miles max)
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 72 months
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.50%
61 to 72
▼
APR5.50%
Term61 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
New Vehicle Loan
5.64%
73-84
▼
APR5.64%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
New Auto - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2022-2024
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 13, 2026
Details
A+ >740
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
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".
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan New 2025 (6,000 miles or less)
5.84%
76 to 84 months
▼
APR5.84%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
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.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
New Auto Loans - 0-2 Years Old
5.84%
2 Years
▼
APR5.84%
Term2 Years
Last UpdatedMar 13, 2026
Details
A 690-739
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.95%
73 to 84
▼
APR5.95%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT, 84604 3315
Auto Loans 2020 and Newer
5.99%
Up to 84
▼
APR5.99%
TermUp to 84
Last UpdatedMar 16, 2026
Details
As Low As; Up to 84 mo (36k miles max, $30k min)
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2013 - 2016
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 72 months
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New & Used Auto Loans 2022-2025
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT, 84070
2016 & Older Used Cars and Trucks
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Used Auto Loan
7.00%
Up to 72 months
▼
APR7.00%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT, 84094
New/Used Auto
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.90%
24 Months
▼
APR3.90%
Term24 Months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
4.39%
Up to 12 months
▼
APR4.39%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 13, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMar 13, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
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.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
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.
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.85%
72 Months
▼
APR4.85%
Term72 Months
Last UpdatedMar 13, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
4.89%
61-72 months (greater than or equal to $20,000)
▼
APR4.89%
Term61-72 months (greater than or equal to $20,000)
Last UpdatedMar 13, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 15, 2026
Details
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".
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Used Auto Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Credit Score 800+
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
4.99%
5-years
▼
APR4.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; 24 months
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMar 13, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Auto - 36 month term
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2015-2021
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Autos New/Used 2016 - Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
5.25%
61 to 66 months
▼
APR5.25%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
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.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
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".
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Used Cars
5.39%
73-84 months (greater than or equal to $30,000)
▼
APR5.39%
Term73-84 months (greater than or equal to $30,000)
Last UpdatedMar 13, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.47%
60 Months
▼
APR5.47%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Auto Loan Used 2025-2024
5.49%
73 to 75 months
▼
APR5.49%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
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.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.49%
6-years
▼
APR5.49%
Term6-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2017 - Newer
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; up to 72 months
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Used Vehicle - 60 month term
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Year of Vehicle 2015-2021
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT, 84119 1356
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.65%
61 to 72
▼
APR5.65%
Term61 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Varex Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 15, 2026
Details
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".
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
New and Used Auto Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Used Vehicle Loan
5.89%
12-60
▼
APR5.89%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Used Vehicle Loan
5.94%
61-72
▼
APR5.94%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile > 5 years (Based on age of vehicle - 1% additional for each year above 5 years using risk-based scale)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Used Automobile >= 5 years
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMar 20, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2015 & Older
5.99%
5-years
▼
APR5.99%
Term5-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
New & Used Autos 2016 & Newer
5.99%
7-years
▼
APR5.99%
Term7-years
Last UpdatedMar 15, 2026
Details
Rates include a 0.50% discount for automatic payment.
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
New & Used Cars and Trucks
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedMar 17, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2013 - 2016
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT, 84120
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
New & Used Auto Loans 2022-2025
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
AUTO LOAN SPECIAL; 2022-2026 for 73-96 months at 5.90%
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Frequently Asked Questions about Auto Loans in Sandy, 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 Sandy, 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 Sandy, 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 Sandy, Utah?
Based on our current data, some of the lowest auto loan rates available in Sandy, Utah include:
- West Branch Valley Federal Credit Union: 3.99% (Fixed Rate Auto Loan 2018- 2027 Model Year)
- Jordan Federal Credit Union: 4.74% (48 Month Auto Loan)
- Utah First Federal Credit Union: 4.99% (Auto Loan)
- Cyprus Federal Credit Union: 4.99% (New & Used Cars and Trucks)
- Goldenwest Federal Credit Union: 4.99% (Auto Loans 36 Months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sandy, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
