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Auto Loan Rates in Spanish Fork, Utah (UT) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Spanish Fork, Utah. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Spanish Fork, Utah include Nebo Credit UnionNebo Credit Union463 E 1000 N, Spanish Fork, UT, 84660A+5.0 ★Texas Ratio: 4.02% offering New & Used Cars and Trucks at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660A5.0 ★Texas Ratio: 8.12% offering Auto Loan at 4.99%, UTAH COMMUNITYUTAH COMMUNITY810 N Main St, Spanish Fork, UT, 84660C3.8 ★Texas Ratio: 29.46% offering Auto Loan at 4.99%, Mountain America Federal Credit UnionMountain America Federal Credit Union1308 N Canyon Creek Pkwy, Spanish Fork, UT, 84660A5.0 ★Texas Ratio: 11.38% offering Auto Loan at 5.24%, Deseret First Federal Credit UnionDeseret First Federal Credit Union1137 N Canyon Creek Pkwy, Spanish Fork, UT, 84660 1308A5.0 ★Texas Ratio: 7.12% offering Auto Loan at 5.24%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Spanish Fork has 5 local institutions in our database, with auto loan rates as low as 4.99% APR from Nebo Credit Union at 463 E 1000 N, Spanish Fork, UT, 84660. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spanish Fork, Utah. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Spanish Fork, Utah & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans
4.99%
5 Years / 60 Months
View
▼
APR4.99%
Term5 Years / 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 5 Years / 60 Months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1308 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan
5.24%
60-month
View
▼
APR5.24%
Term60-month
Last UpdatedMay 2, 2026
Details

As Low As; New & used car loans

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
1137 N Canyon Creek Pkwy, Spanish Fork, UT, 84660 1308
Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans
5.24%
6 Years / 72 Months
View
▼
APR5.24%
Term6 Years / 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 6 Years / 72 Months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans
5.99%
7 Years / 84 Months
View
▼
APR5.99%
Term7 Years / 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 4 Years / 48 Months Older Model
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 7 Years / 84 Months
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan Older Model
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans
6.24%
5 Years / 60 Months Older Model
View
▼
APR6.24%
Term5 Years / 60 Months Older Model
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 5 Years / 60 Months Older Model
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan Older Model
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans
6.74%
6 Years / 72 Months Older Model
View
▼
APR6.74%
Term6 Years / 72 Months Older Model
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loans 6 Years / 72 Months Older Model
6.74%
72 Months
View
▼
APR6.74%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan Older Model
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 2, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1353 N Canyon Creek Pkwy, Spanish Fork, UT, 84660
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedMay 2, 2026
Details

$30,000; As Low As; Fixed

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
810 N Main St, Spanish Fork, UT, 84660
Auto Loan
10.00%
36 Months
View
▼
APR10.00%
Term36 Months
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Auto Loan 36 Months
4.44%
36 M
View
▼
APR4.44%
Term36 M
Last UpdatedMay 2, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

New/Used 2015 - Newer

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Auto Loan 48 Months
4.56%
48 M
View
▼
APR4.56%
Term48 M
Last UpdatedMay 2, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Auto Loan 60 Months
4.56%
60 M
View
▼
APR4.56%
Term60 M
Last UpdatedMay 2, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 48 months

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rates starting at 4.74% APR 60 Months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 24 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Auto Loan 72 Months
4.94%
72 M
View
▼
APR4.94%
Term72 M
Last UpdatedMay 2, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
View
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 800+

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 60 months

Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
4.99%
5 yrs
View
▼
APR4.99%
Term5 yrs
Last UpdatedApr 19, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
View
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
View
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details

as low as

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60 Month Term
View
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details

As Low As; 24 months

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 72 months

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Auto Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
5.49%
6 yrs
View
▼
APR5.49%
Term6 yrs
Last UpdatedApr 19, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
View
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

National JACL Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Auto Loans
5.64%
60 months
View
▼
APR5.64%
Term60 months
Last UpdatedApr 19, 2026
Details

Low Interest Rates; for members with great credit. We also have discounted rates for EVs and Hybrid Vehicles.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans
5.65%
60 months
View
▼
APR5.65%
Term60 months
Last UpdatedMay 2, 2026
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Auto Loan 84 Months
5.69%
84 M
View
▼
APR5.69%
Term84 M
Last UpdatedMay 2, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedApr 17, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 84 months

Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Older Car and Truck - Purchase, Refinance or Title Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loans
5.99%
7 yrs
View
▼
APR5.99%
Term7 yrs
Last UpdatedApr 19, 2026
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
View
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
View
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
Used Automobile >= 5 years
5.99%
5 Years
View
▼
APR5.99%
Term5 Years
Last UpdatedApr 26, 2026
Details

as low as

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 72 months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Auto Loan
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; >$25,0000 for 84 months

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
View
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Auto Loan
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
6.74%
60 Months
View
▼
APR6.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
New Auto Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 72 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
View
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
Used Auto Loan
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
View
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 730-799

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; >$25,0000 for 84 months

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Auto Loans
7.49%
120 months
View
▼
APR7.49%
Term120 months
Last UpdatedMay 2, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.75%
60 Months
View
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 700-729

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.95%
60 Months
View
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 651-699

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 36 months

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
View
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 730-799

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
View
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 700-729

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.95%
60+
View
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 651-699

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
9.74%
60 Months
View
▼
APR9.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
9.99%
72 Months
View
▼
APR9.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
12.50%
60 Months
View
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 600-650

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
13.74%
60 Months
View
▼
APR13.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
13.99%
72 Months
View
▼
APR13.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
14.00%
60+
View
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 600-650

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
17.74%
60 Months
View
▼
APR17.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Auto Loan
17.99%
72 Months
View
▼
APR17.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
28.00%
60 Months
View
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 599 or less

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 48 months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 24 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 60 months

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
View
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
View
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details

as low as

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 72 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
View
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 84 months

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
View
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
View
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 72 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
New Auto Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
463 E 1000 N, Spanish Fork, UT, 84660
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New or Used Auto Loans
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 48 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
4.95%
60 Months
View
▼
APR4.95%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 800+

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedApr 17, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 60 months

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
4.99%
5-years
View
▼
APR4.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details

As Low As; 24 months

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 72 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedApr 17, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.49%
6-years
View
▼
APR5.49%
Term6-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedApr 17, 2026
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New and Used Auto Fixed Rate
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Fixed Rate-Term up to 84 months

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2015 & Older
5.99%
5-years
View
▼
APR5.99%
Term5-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New & Used Autos 2016 & Newer
5.99%
7-years
View
▼
APR5.99%
Term7-years
Last UpdatedApr 19, 2026
Details

Rates include a 0.50% discount for automatic payment.

Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
Used Automobile >= 5 years
5.99%
5 Years
View
▼
APR5.99%
Term5 Years
Last UpdatedApr 26, 2026
Details

as low as

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New & Used Cars and Trucks
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos New/Used 2016 - Newer
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; >$25,0000 for 84 months

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2016 & Older Used Cars and Trucks
6.49%
61 to 84 months
View
▼
APR6.49%
Term61 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 72 months

Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Autos Used 2007 - 2015
6.99%
Up to 60 Months
View
▼
APR6.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
Used Auto Loan
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.25%
60 Months
View
▼
APR7.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 730-799

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; >$25,0000 for 84 months

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New/Used Auto
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedApr 17, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.75%
60 Months
View
▼
APR7.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 700-729

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
7.95%
60 Months
View
▼
APR7.95%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 651-699

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 36 months

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.00%
Up to 12 months
View
▼
APR8.00%
TermUp to 12 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 19, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.25%
60+
View
▼
APR8.25%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 730-799

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedApr 19, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 19, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.75%
60+
View
▼
APR8.75%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 700-729

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
8.95%
60+
View
▼
APR8.95%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 651-699

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Small Vehicle Loans
9.00%
60 months
View
▼
APR9.00%
Term60 months
Last UpdatedApr 19, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
12.50%
60 Months
View
▼
APR12.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 600-650

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
14.00%
60+
View
▼
APR14.00%
Term60+
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 600-650

San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Used Auto Loan
28.00%
60 Months
View
▼
APR28.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Credit Score 599 or less

Spanish Fork, UT Auto Loan Rate Trends

Compare local Spanish Fork, UT auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Utah Auto Trends →
New Auto Loan — UT Avg
5.351%
▼ 2.646 vs 7 days ago

Utah new auto rates fell 2.646 points over the past 7 days to 5.351% APR.

Used Auto Loan — UT Avg
6.734%
Unchanged vs 7 days ago

Utah used auto loan rates currently average 6.734% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Spanish Fork, 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 Spanish Fork, 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 Spanish Fork, 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 Spanish Fork, Utah?

Based on our current data, some of the lowest auto loan rates available in Spanish Fork, Utah include:
  • Nebo Credit Union: 4.99% (New & Used Cars and Trucks)
  • America First Federal Credit Union: 4.99% (Auto Loan)
  • UTAH COMMUNITY: 4.99% (Auto Loan)
  • Mountain America Federal Credit Union: 5.24% (Auto Loan)
  • Deseret First Federal Credit Union: 5.24% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spanish Fork, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Spanish Fork, Utah Rates & Resources

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