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  9. Auto Loan Rate Trends

West Valley City, Utah Best Auto Loan Rates - September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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 West Valley City, 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: September 28, 2026

Current auto loan rates in West Valley City, Utah range from 4.74% to 4.99% APR across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Current auto loan rates in West Valley City, Utah include Deseret First Federal Credit UnionDeseret First Federal Credit Union3999 W Parkway Blvd, West Valley City, UT, 84120A5.0 ★Texas Ratio: 6.76% offering Auto Loans at 4.74%, American United Federal Credit UnionAmerican United Federal Credit Union5688 W Parkway Blvd, West Valley City, UT, 84128A5.0 ★Texas Ratio: 7.55% offering Auto Loan at 4.99%, Cyprus Federal Credit UnionCyprus Federal Credit Union3432 W 3500 S, West Valley City, UT, 84119A+5.0 ★Texas Ratio: 2.73% offering New & Used Cars and Trucks Loan at 4.99%, Mountain America Federal Credit UnionMountain America Federal Credit Union2958 S 5600 W, West Valley City, UT, 84120 1310A5.0 ★Texas Ratio: 9.78% offering New & used car loans at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union3253 W 3500 S, West Valley City, UT, 84119 2631A5.0 ★Texas Ratio: 8.33% offering Auto Loan at 4.99%. Auto loan rates as of September 28, 2026 according to verified data from MonitorBankRates.

West Valley City has 6 local institutions in our database, with auto loan rates as low as 4.74% APR from Deseret First Federal Credit Union at 3999 W Parkway Blvd, West Valley City, UT, 84120. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in West Valley City, Utah. Auto Loan Rates Last Updated and Verified: September 28, 2026

Compare Auto Loan Rates Today in West Valley City, Utah & Surrounding Area

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

West Valley City Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loans
4.74%
24 - 48 months
View
▼
APR4.74%
Term24 - 48 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loans
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2020 & Newer

Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT, 84120 1310
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT, 84119 2631
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedSep 25, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2020 & Newer

Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 12, 2026: 5.24% APRSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT, 84120 1310
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedSep 25, 2026
Details

as low as

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT, 84119 2631
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedSep 25, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan (Branded/Rebuilt Title)
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2020 & Newer

Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loans
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 17, 2026: 5.49% APRSep 17, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
3601 S 2700 W, West Valley City, UT, 84119
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
3601 S 2700 W, West Valley City, UT, 84119
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
5.99%
84-month
View
▼
APR5.99%
Term84-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2020 & Newer

Rate History
1 change since Sep 12, 2026 · 6.99% → 5.99% ▼ 1.00 pts · high 6.99% / low 5.99%
4.99%6.49%7.99%Sep 12, 2026: 6.99% APRSep 18, 2026: 5.99% APRSep 12, 2026Sep 28, 2026
  • Sep 18, 20265.99%▼ from 6.99%
  • Sep 12, 20266.99%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
5.99%
60-month
View
▼
APR5.99%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2019 & Older

Rate History
1 change since Sep 12, 2026 · 4.99% → 5.99% ▲ 1.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 12, 2026: 4.99% APRSep 18, 2026: 5.99% APRSep 12, 2026Sep 28, 2026
  • Sep 18, 20265.99%▲ from 4.99%
  • Sep 12, 20264.99%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 17, 2026: 5.99% APRSep 17, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT, 84119 2631
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedSep 25, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
6.24%
72-month
View
▼
APR6.24%
Term72-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2019 & Older

Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2016 & Older

Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT, 84120
Auto Loans
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan (Branded/Rebuilt Title)
6.49%
60-month
View
▼
APR6.49%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2019 & Older

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2016 & Older

Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT, 84128
Auto Loan
6.99%
84-month
View
▼
APR6.99%
Term84-month
Last UpdatedSep 25, 2026
Details

As low as; Model Year: 2019 & Older

Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 4 times
6.49%6.99%7.49%Sep 12, 2026: 6.99% APRSep 12, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT, 84119 2631
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedSep 25, 2026
Details

$30,000; As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 4 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
Up to 12 Months
View
▼
APR2.49%
TermUp to 12 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 2.49% APR · checked 3 times
1.99%2.49%2.99%Sep 18, 2026: 2.49% APRSep 18, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
3.64%
0 - 36 Months
View
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 3.64% APR · checked 3 times
3.14%3.64%4.14%Sep 22, 2026: 3.64% APRSep 22, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedSep 26, 2026
Details

Published APR range: 3.95% - 15.25%. Fixed

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.10% - 15.40%. Fixed

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.14%
37 - 75 Months
View
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 4.14% APR · checked 3 times
3.64%4.14%4.64%Sep 22, 2026: 4.14% APRSep 22, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Vehicle Loan (2018- 2027 Model Year)
4.24%
Up to 60 Months
View
▼
APR4.24%
Interest Rate4.24%
TermUp to 60 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Vehicle Loan (2018- 2027 Model Year)
4.24%
2027 Mo
View
▼
APR4.24%
Interest Rate4.24%
Term2027 Mo
Last UpdatedSep 25, 2026
Details

minimum $20,000

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Fixed Rate Auto Loan
4.24%
72 months
View
▼
APR4.24%
Term72 months
Last UpdatedSep 25, 2026
Details

APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
4.24%
36 months
View
▼
APR4.24%
Term36 months
Last UpdatedSep 25, 2026
Details

Age of Vehicle: 2016-2026; Benefits: LOWEST RATE. No payment for 60 days; As Low As

Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.25% - 15.55%. Fixed

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedSep 26, 2026
Details

Additional APR listed for this product: 5.29%. Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 18, 2026: 4.29% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.30% - 15.70%. Fixed

Rate History
No change since Sep 14, 2026 · 4.30% APR · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APRSep 14, 2026Sep 28, 2026
Horizon Utah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan 36 Months
4.34%
36 Months
View
▼
APR4.34%
Term36 Months
Last UpdatedSep 25, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Rate History
No change since Sep 14, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APRSep 14, 2026Sep 28, 2026
Horizon Utah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan 48 Months
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedSep 25, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Rate History
No change since Sep 14, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APRSep 14, 2026Sep 28, 2026
Horizon Utah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan 60 Months
4.34%
60 Months
View
▼
APR4.34%
Term60 Months
Last UpdatedSep 25, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Rate History
No change since Sep 14, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedSep 22, 2026
Details

Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Vehicle Loan (2021 - 2027 Model Year)
4.49%
Up to 84 Months
View
▼
APR4.49%
Interest Rate4.49%
TermUp to 84 Months
Last UpdatedSep 25, 2026
Details

Term: Up to 84 Months (minimum $20,000); minimum $20,000

Rate History
No change since Sep 20, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 20, 2026: 4.49% APRSep 20, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Fixed Rate Auto Loan
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedSep 25, 2026
Details

APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan. Rates displayed above include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. New current year untitled vehicles can be financed for up to 84 months. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer. Rates and eligibility are based on your credit report.

Rate History
No change since Sep 20, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 20, 2026: 4.49% APRSep 20, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedSep 25, 2026
Details

Age of Vehicle: 2016-2026; Benefits: No payment for 60 days; As Low As

Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Auto Loan
4.49%
48 month
View
▼
APR4.49%
Term48 month
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Auto Loans
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Auto Loans
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Sep 28, 2026
Horizon Utah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan 72 Months
4.59%
72 Months
View
▼
APR4.59%
Term72 Months
Last UpdatedSep 25, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Rate History
No change since Sep 17, 2026 · 4.59% APR · checked 3 times
4.09%4.59%5.09%Sep 17, 2026: 4.59% APRSep 17, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.60% - 15.90%. Fixed

Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.64%
0 - 36 Months
View
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 4.64% APR · checked 3 times
4.14%4.64%5.14%Sep 22, 2026: 4.64% APRSep 22, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
4.74%
Up To 5 Years
View
▼
APR4.74%
Interest Rate4.74%
TermUp To 5 Years
Last UpdatedSep 25, 2026
Details

Value maximums: 110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
4.74%
Up To 5 Years
View
▼
APR4.74%
TermUp To 5 Years
Last UpdatedSep 25, 2026
Details

110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle loan
4.74%
up to 5 years
View
▼
APR4.74%
Interest Rate4.74%
Termup to 5 years
Last UpdatedSep 25, 2026
Details

Rates shown are the lowest available. The rate you get depends on your credit history, the term, and the model year of what you are buying. Every vehicle loan is financed up to 110% of NADA Clean Retail value.

Rate History
No change since Sep 25, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Vehicle Loan (2016 - 2017 Model Year)
4.74%
Up to 60 Months
View
▼
APR4.74%
Interest Rate4.74%
TermUp to 60 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 20, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 20, 2026: 4.74% APRSep 20, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedSep 25, 2026
Details

Age of Vehicle: 2016-2026; Benefits: No payment for 60 days; As Low As

Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 12, 2026: 4.74% APRSep 12, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.34%
Vehicle Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 25, 2026
Details

As Low As; Model Year: 2016-2026

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.74%
36 Months
View
▼
APR4.74%
Interest Rate4.74%
Term36 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.27%
New Auto Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.27%
Used Auto Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48 Months
View
▼
APR4.75%
Term13 to 48 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.79% APR · checked 3 times
4.29%4.79%5.29%Sep 18, 2026: 4.79% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.80% - 16.00%. Fixed

Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 4 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Sep 28, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.03%
Auto Loan
4.95%
60 months or less
View
▼
APR4.95%
Term60 months or less
Last UpdatedSep 26, 2026
Details

Credit Score: 800+

Rate History
1 change since Sep 14, 2026 · 5.25% → 4.95% ▼ 0.30 pts · high 5.25% / low 4.95%
4.45%5.10%5.75%Sep 14, 2026: 5.25% APRSep 18, 2026: 4.95% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.95%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Ascent Federal Credit Union
Auto Loans
4.99%
60 Month
View
▼
APR4.99%
Term60 Month
Last UpdatedSep 21, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car and Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedSep 21, 2026
Details

Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car and Truck Loan
4.99%
60 Months, Fixed
View
▼
APR4.99%
Term60 Months, Fixed
Last UpdatedSep 21, 2026
Details

Model Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedSep 22, 2026
Details

Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Auto Loan
4.99%
Up To 60 Months
View
▼
APR4.99%
TermUp To 60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+; FICO Score: 730+

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
4.99%
6 Years
View
▼
APR4.99%
Interest Rate4.99%
Term6 Years
Last UpdatedSep 25, 2026
Details

Value maximums: 110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 25, 2026: 4.99% APRSep 25, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
4.99%
6 Years
View
▼
APR4.99%
Term6 Years
Last UpdatedSep 25, 2026
Details

110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 25, 2026: 4.99% APRSep 25, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 25, 2026
Details

Age of Vehicle: 2016-2026; Benefits: $12,000 or more. No payment for 60 days; As Low As

Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Sep 28, 2026
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Vehicle Loan
4.99%
60 months
View
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2026

Rate History
No change since Sep 25, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 25, 2026: 4.99% APRSep 25, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.34%
Vehicle Loan
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 25, 2026
Details

As Low As; Model Year: 2016-2026

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 25, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 25, 2026: 4.99% APRSep 25, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Auto Loan
4.99%
60 month
View
▼
APR4.99%
Term60 month
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
49 to 60 Months
View
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
61 to 72 Months
View
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.84%
Auto Loans
4.99%
5 yrs
View
▼
APR4.99%
Term5 yrs
Last UpdatedSep 26, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 26, 2026
Details

As Low As; 84k miles max

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 48 months
View
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 26, 2026
Details

As Low As; 120k miles max

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 850-750

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
5.00%
60-months
View
▼
APR5.00%
Interest Rate5.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
5.00%
60-months
View
▼
APR5.00%
Interest Rate5.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Auto Loans
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.75%
Vehicles, 2016 and newer Loan
5.03%
66 months
View
▼
APR5.03%
Interest Rate4.99%
Term66 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.03% APR · checked 4 times
4.53%5.03%5.53%Sep 17, 2026: 5.03% APRSep 17, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
New Auto - 36 month term
5.14%
36 month
View
▼
APR5.14%
Term36 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
Used Auto - 36 month term
5.14%
36 month
View
▼
APR5.14%
Term36 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
5.14%
37 - 75 Months
View
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 22, 2026: 5.14% APRSep 22, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
5.14%
76 - 84 Months
View
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 22, 2026: 5.14% APRSep 22, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.15%
5 Years
View
▼
APR5.15%
Term5 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.15% ▲ 0.16 pts · high 5.15% / low 4.99%
4.49%5.07%5.65%Sep 14, 2026: 4.99% APRSep 25, 2026: 5.15% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.15%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.19%
120 months
View
▼
APR5.19%
Term120 months
Last UpdatedSep 22, 2026
Details

Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 3 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Auto Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+; FICO Score: 730+

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
5.24%
7 Years
View
▼
APR5.24%
Interest Rate5.24%
Term7 Years
Last UpdatedSep 25, 2026
Details

Value maximums: 110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Vehicle Loan
5.24%
7 Years
View
▼
APR5.24%
Term7 Years
Last UpdatedSep 25, 2026
Details

110% NADA CLEAN RETAIL

Rate History
No change since Sep 25, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Sep 28, 2026
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Vehicle Loan
5.24%
72 months
View
▼
APR5.24%
Interest Rate5.24%
Term72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2026; Value: over $25,000.00

Rate History
No change since Sep 25, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loans
5.24%
12-60 Month Term
View
▼
APR5.24%
Term12-60 Month Term
Last UpdatedSep 25, 2026
Details

New Auto

Rate History
No change since Sep 25, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Interest Rate5.24%
Term72 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 21, 2026: 5.24% APRSep 21, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Auto Loan
5.24%
72 month
View
▼
APR5.24%
Term72 month
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedSep 26, 2026
Details

As Low As; 60k miles max

Rate History
No change since Sep 22, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 22, 2026: 5.24% APRSep 22, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Auto Loan
5.24%
60 month
View
▼
APR5.24%
Term60 month
Last UpdatedSep 27, 2026
Details

Annual Percentage Rate. Loans are subject to credit approval. Membership required. Based on eligibility.

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APRSep 18, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.03%
Auto Loan
5.25%
60 months or less
View
▼
APR5.25%
Term60 months or less
Last UpdatedSep 26, 2026
Details

Credit Score: 730-799

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.75%
Vehicles, 2016 and newer Loan
5.28%
72 months
View
▼
APR5.28%
Interest Rate5.24%
Term72 months
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 17, 2026 · 5.03% → 5.28% ▲ 0.24 pts · high 5.28% / low 5.03%
4.53%5.16%5.78%Sep 17, 2026: 5.03% APRSep 25, 2026: 5.28% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20265.28%▲ from 5.03%
  • Sep 17, 20265.03%first recorded
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 3 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Sep 28, 2026
Horizon Utah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan 84 Months
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedSep 25, 2026
Details

GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Rate History
No change since Sep 17, 2026 · 5.34% APR · checked 3 times
4.84%5.34%5.84%Sep 17, 2026: 5.34% APRSep 17, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.39%
180 months
View
▼
APR5.39%
Term180 months
Last UpdatedSep 22, 2026
Details

Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.40%
61 to 72 Months
View
▼
APR5.40%
Term61 to 72 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 5.40% APR · checked 3 times
4.90%5.40%5.90%Sep 18, 2026: 5.40% APRSep 18, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.47% APR · checked 5 times
4.97%5.47%5.97%Sep 14, 2026: 5.47% APRSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
View
▼
APR5.49%
Term2 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Auto Loan
5.49%
Up To 60 Months
View
▼
APR5.49%
TermUp To 60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A; FICO Score: 680-729

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.49%
6 Years
View
▼
APR5.49%
Term6 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 25, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Vehicle Loan
5.49%
60 months
View
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2020 - 2026; Value: High Book

Rate History
No change since Sep 25, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Sep 28, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loan
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 25, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Sep 28, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.84%
Auto Loans
5.49%
6 yrs
View
▼
APR5.49%
Term6 yrs
Last UpdatedSep 26, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 749-700

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details

Term: 72 months, up to 15,000 miles; Credit Score: 850-750

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
5.50%
60-months
View
▼
APR5.50%
Interest Rate5.50%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 2; Transunion Credit Score: 700-749

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 72-months/100% retail value
5.50%
72-months
View
▼
APR5.50%
Interest Rate5.50%
Term72-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
5.50%
60-months
View
▼
APR5.50%
Interest Rate5.50%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 2; Transunion Credit Score: 700-749

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.59%
240 months
View
▼
APR5.59%
Term240 months
Last UpdatedSep 22, 2026
Details

Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 3 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
New Auto - 60 month term
5.64%
60 month
View
▼
APR5.64%
Term60 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 18, 2026: 5.64% APRSep 18, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
Used Vehicle - 60 month term Loan
5.64%
60 month
View
▼
APR5.64%
Term60 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 18, 2026: 5.64% APRSep 18, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
Auto Loans
5.65%
60 month term
View
▼
APR5.65%
Term60 month term
Last UpdatedSep 21, 2026
Details

Compare a $40,000 loan for a member with A+ credit (740 Credit Score) below

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 3 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Auto Loan
5.74%
61-72 Months
View
▼
APR5.74%
Term61-72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A; FICO Score: 680-729

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Vehicle Loan (2016 - 2017 Model Year)
5.74%
2017 Mo
View
▼
APR5.74%
Interest Rate5.74%
Term2017 Mo
Last UpdatedSep 25, 2026
Details

minimum $20,000

Rate History
No change since Sep 20, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 20, 2026: 5.74% APRSep 20, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Auto Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedSep 25, 2026
Details

Age of Vehicle: 2016-2026; Benefits: $25,000 or more. No payment for 60 days; As Low As

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Sep 28, 2026
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Vehicle Loan
5.74%
72 months
View
▼
APR5.74%
Interest Rate5.74%
Term72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2020 - 2026; Value: High Book

Rate History
No change since Sep 25, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Sep 28, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loan
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 25, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Sep 28, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loan
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 25, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed; $25,000 min.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.03%
Auto Loan
5.75%
60 months or less
View
▼
APR5.75%
Term60 months or less
Last UpdatedSep 26, 2026
Details

Credit Score: 700-729

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
5.75%
250 months
View
▼
APR5.75%
Term250 months
Last UpdatedSep 27, 2026
Details

Term: >250000 for 84 months; As Low As; New Auto

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.75%
250 months
View
▼
APR5.75%
Term250 months
Last UpdatedSep 27, 2026
Details

Term: >250000 for 84 months; As Low As; Used Auto

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Sep 28, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Vehicle age - 3 year or newer Loan
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 15, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 15, 2026: 5.75% APRSep 15, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.34%
Vehicle Loan
5.76%
36 months
View
▼
APR5.76%
Term36 months
Last UpdatedSep 25, 2026
Details

As Low As; Model Year: 2005-2015

Rate History
No change since Sep 14, 2026 · 5.76% APR · checked 3 times
5.26%5.76%6.26%Sep 14, 2026: 5.76% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 5 times
5.29%5.79%6.29%Sep 14, 2026: 5.79% APRSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.79%
7 years
View
▼
APR5.79%
Term7 years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 17, 2026: 5.79% APRSep 17, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old
5.84%
7 Years
View
▼
APR5.84%
Term7 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A 690-739

Rate History
No change since Sep 18, 2026 · 5.84% APR · checked 2 times
5.34%5.84%6.34%Sep 18, 2026: 5.84% APRSep 18, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
View
▼
APR5.84%
Term2 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A 690-739

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 3 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.95%
73 to 84 Months
View
▼
APR5.95%
Term73 to 84 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 5.95% APR · checked 3 times
5.45%5.95%6.45%Sep 18, 2026: 5.95% APRSep 18, 2026Sep 28, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.03%
Auto Loan
5.95%
60 months or less
View
▼
APR5.95%
Term60 months or less
Last UpdatedSep 26, 2026
Details

Credit Score: 651-699

Rate History
No change since Sep 14, 2026 · 5.95% APR · checked 4 times
5.45%5.95%6.45%Sep 14, 2026: 5.95% APRSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Older Car and Truck - 60 Months Fixed
5.99%
60 Months Fixed
View
▼
APR5.99%
Term60 Months Fixed
Last UpdatedSep 21, 2026
Details

Model Year: 2006-2016

Rate History
No change since Sep 21, 2026 · 5.99% APR
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Older Car and Truck - 72 Months, Min Fixed
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedSep 21, 2026
Details

$15,000; Term: 72 Months, $15,000 Min Fixed; Model Year: 2006-2016

Rate History
No change since Sep 21, 2026 · 5.99% APR
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Sep 28, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 25, 2026 · 5.99% APR
5.49%5.99%6.49%Sep 25, 2026: 5.99% APRSep 25, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Interest Rate5.99%
Term84 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 21, 2026: 5.99% APRSep 21, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Auto Loan
5.99%
84 month
View
▼
APR5.99%
Term84 month
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedSep 25, 2026
Details

84 months**

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.84%
Auto Loans
5.99%
7 yrs
View
▼
APR5.99%
Term7 yrs
Last UpdatedSep 26, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2013 - 2016

Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
5.99%
Up to 84 mo
View
▼
APR5.99%
TermUp to 84 mo
Last UpdatedSep 26, 2026
Details

As Low As; 36k miles max, $30k min

Rate History
No change since Sep 22, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 22, 2026: 5.99% APRSep 22, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
Auto Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedSep 21, 2026
Details

Credit Score: 850-750; Model Year: 2024 -'20; Miles: 25K miles or more

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 699-650

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedSep 21, 2026
Details

Term: 72 months, up to 15,000 miles; Credit Score: 749-700

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
6.00%
60-months
View
▼
APR6.00%
Interest Rate6.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 3; Transunion Credit Score: 650-699

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
6.00%
60-months
View
▼
APR6.00%
Interest Rate6.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 3; Transunion Credit Score: 650-699

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Auto Loans
6.00%
up to 72 months
View
▼
APR6.00%
Interest Rate6.00%
Termup to 72 months
Last UpdatedSep 25, 2026
Details

2019-2027 for 73-96 months at 5.90%

Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Auto Loans
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Sep 28, 2026

West Valley City New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT, 84120 1310
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT, 84120 1310
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedSep 25, 2026
Details

as low as

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
3601 S 2700 W, West Valley City, UT, 84119
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 17, 2026: 5.99% APRSep 17, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
2.49%
Up to 12 Months
View
▼
APR2.49%
TermUp to 12 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 2.49% APR · checked 3 times
1.99%2.49%2.99%Sep 18, 2026: 2.49% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedSep 26, 2026
Details

Published APR range: 3.95% - 15.25%. Fixed

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.10% - 15.40%. Fixed

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.25% - 15.55%. Fixed

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedSep 26, 2026
Details

Additional APR listed for this product: 5.29%. Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 18, 2026: 4.29% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.30% - 15.70%. Fixed

Rate History
No change since Sep 14, 2026 · 4.30% APR · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedSep 22, 2026
Details

Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.60% - 15.90%. Fixed

Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.27%
New Auto Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.75%
13 to 48 Months
View
▼
APR4.75%
Term13 to 48 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.79% APR · checked 3 times
4.29%4.79%5.29%Sep 18, 2026: 4.79% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.80% - 16.00%. Fixed

Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 4 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car and Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedSep 21, 2026
Details

Term: 72 Months, $15,000 Min, Fixed; Model Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car and Truck Loan
4.99%
60 Months, Fixed
View
▼
APR4.99%
Term60 Months, Fixed
Last UpdatedSep 21, 2026
Details

Model Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedSep 22, 2026
Details

Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
49 to 60 Months
View
▼
APR4.99%
Term49 to 60 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
4.99%
61 to 72 Months
View
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 26, 2026
Details

As Low As; 84k miles max

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 48 months
View
▼
APR4.99%
TermUp to 48 months
Last UpdatedSep 26, 2026
Details

As Low As; 120k miles max

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 850-750

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
5.00%
60-months
View
▼
APR5.00%
Interest Rate5.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.75%
Vehicles, 2016 and newer Loan
5.03%
66 months
View
▼
APR5.03%
Interest Rate4.99%
Term66 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.03% APR · checked 4 times
4.53%5.03%5.53%Sep 17, 2026: 5.03% APRSep 17, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
New Auto - 36 month term
5.14%
36 month
View
▼
APR5.14%
Term36 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.15%
5 Years
View
▼
APR5.15%
Term5 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.15% ▲ 0.16 pts · high 5.15% / low 4.99%
4.49%5.07%5.65%Sep 14, 2026: 4.99% APRSep 25, 2026: 5.15% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.15%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.19%
120 months
View
▼
APR5.19%
Term120 months
Last UpdatedSep 22, 2026
Details

Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 3 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedSep 26, 2026
Details

As Low As; 60k miles max

Rate History
No change since Sep 22, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 22, 2026: 5.24% APRSep 22, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.75%
Vehicles, 2016 and newer Loan
5.28%
72 months
View
▼
APR5.28%
Interest Rate5.24%
Term72 months
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 17, 2026 · 5.03% → 5.28% ▲ 0.24 pts · high 5.28% / low 5.03%
4.53%5.16%5.78%Sep 17, 2026: 5.03% APRSep 25, 2026: 5.28% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20265.28%▲ from 5.03%
  • Sep 17, 20265.03%first recorded
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 3 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.39%
180 months
View
▼
APR5.39%
Term180 months
Last UpdatedSep 22, 2026
Details

Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.47% APR · checked 5 times
4.97%5.47%5.97%Sep 14, 2026: 5.47% APRSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.49%
2 Years
View
▼
APR5.49%
Term2 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.49%
6 Years
View
▼
APR5.49%
Term6 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 25, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 27, 2026
Details

As Low As; New Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 749-700

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details

Term: 72 months, up to 15,000 miles; Credit Score: 850-750

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
5.50%
60-months
View
▼
APR5.50%
Interest Rate5.50%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 2; Transunion Credit Score: 700-749

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 72-months/100% retail value
5.50%
72-months
View
▼
APR5.50%
Interest Rate5.50%
Term72-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.59%
240 months
View
▼
APR5.59%
Term240 months
Last UpdatedSep 22, 2026
Details

Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 3 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
New Auto - 60 month term
5.64%
60 month
View
▼
APR5.64%
Term60 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 18, 2026: 5.64% APRSep 18, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedSep 21, 2026
Details

Credit Grade: A+ >740

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed; $25,000 min.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Auto
5.75%
250 months
View
▼
APR5.75%
Term250 months
Last UpdatedSep 27, 2026
Details

Term: >250000 for 84 months; As Low As; New Auto

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Sep 28, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Vehicle age - 3 year or newer Loan
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 15, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 15, 2026: 5.75% APRSep 15, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 5 times
5.29%5.79%6.29%Sep 14, 2026: 5.79% APRSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old
5.84%
2 Years
View
▼
APR5.84%
Term2 Years
Last UpdatedSep 21, 2026
Details

Credit Grade: A 690-739

Rate History
No change since Sep 14, 2026 · 5.84% APR · checked 3 times
5.34%5.84%6.34%Sep 14, 2026: 5.84% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
5.95%
73 to 84 Months
View
▼
APR5.95%
Term73 to 84 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 5.95% APR · checked 3 times
5.45%5.95%6.45%Sep 18, 2026: 5.95% APRSep 18, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2013 - 2016

Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
2020 and Newer Auto Loan
5.99%
Up to 84 mo
View
▼
APR5.99%
TermUp to 84 mo
Last UpdatedSep 26, 2026
Details

As Low As; 36k miles max, $30k min

Rate History
No change since Sep 22, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 22, 2026: 5.99% APRSep 22, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedSep 21, 2026
Details

Term: 60 months, up to 15,000 miles; Credit Score: 699-650

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.26%
New Vehicles (Cars, Trucks, Boats, RV's) Loan
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedSep 21, 2026
Details

Term: 72 months, up to 15,000 miles; Credit Score: 749-700

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles and Vans (Never been titled) - 60-months/100% retail value
6.00%
60-months
View
▼
APR6.00%
Interest Rate6.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 3; Transunion Credit Score: 650-699

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Auto Loans
6.00%
up to 72 months
View
▼
APR6.00%
Interest Rate6.00%
Termup to 72 months
Last UpdatedSep 25, 2026
Details

2019-2027 for 73-96 months at 5.90%

Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Sep 28, 2026

West Valley City Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT, 84120 1310
New & used car loans
4.99%
60-month
View
▼
APR4.99%
Term60-month
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
3601 S 2700 W, West Valley City, UT, 84119
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 17, 2026: 5.99% APRSep 17, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
2016 & Older Used Cars and Trucks Loan
6.24%
Up to 60 months
View
▼
APR6.24%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2016 & Older

Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT, 84119
2016 & Older Used Cars and Trucks Loan
6.49%
61 to 72 months
View
▼
APR6.49%
Term61 to 72 months
Last UpdatedSep 25, 2026
Details

Vehicle Year: 2016 & Older

Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
3.95%
24 months
View
▼
APR3.95%
Term24 months
Last UpdatedSep 26, 2026
Details

Published APR range: 3.95% - 15.25%. Fixed

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 3.99% to 16.19%.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.10% - 15.40%. Fixed

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.25% - 15.55%. Fixed

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.29%
5-years
View
▼
APR4.29%
Term5-years
Last UpdatedSep 26, 2026
Details

Additional APR listed for this product: 5.29%. Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 18, 2026: 4.29% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.30%
60 months
View
▼
APR4.30%
Term60 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.30% - 15.70%. Fixed

Rate History
No change since Sep 14, 2026 · 4.30% APR · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedSep 22, 2026
Details

Term: 72 months for $20,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.49% to 16.89%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.60%
72 months
View
▼
APR4.60%
Term72 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.60% - 15.90%. Fixed

Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.27%
Used Auto Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedSep 26, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
4.74%
49 to 66 Months
View
▼
APR4.74%
Term49 to 66 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
4.79%
6-years
View
▼
APR4.79%
Term6-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 4.79% APR · checked 3 times
4.29%4.79%5.29%Sep 18, 2026: 4.79% APRSep 18, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New or Used Auto
4.80%
84 months
View
▼
APR4.80%
Term84 months
Last UpdatedSep 26, 2026
Details

Published APR range: 4.80% - 16.00%. Fixed

Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 4 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedSep 22, 2026
Details

Term: 84 months for $30,000 or more on boats, RVs, aircraft and motorcycle loans only; Published APR range: 4.99% to 17.59%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
5.00%
60-months
View
▼
APR5.00%
Interest Rate5.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 1; Transunion Credit Score: 750 plus

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
Used Auto - 36 month term
5.14%
36 month
View
▼
APR5.14%
Term36 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 18, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.15%
5 Years
View
▼
APR5.15%
Term5 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.15% ▲ 0.16 pts · high 5.15% / low 4.99%
4.49%5.07%5.65%Sep 14, 2026: 4.99% APRSep 25, 2026: 5.15% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.15%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.19%
120 months
View
▼
APR5.19%
Term120 months
Last UpdatedSep 22, 2026
Details

Term: 120 months for $50,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.19% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 3 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.24%
67 to 72 Months
View
▼
APR5.24%
Term67 to 72 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New & Used Autos
5.29%
7-years
View
▼
APR5.29%
Term7-years
Last UpdatedSep 26, 2026
Details

Rates include a 0.50% discount for automatic payment.

Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 3 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.39%
180 months
View
▼
APR5.39%
Term180 months
Last UpdatedSep 22, 2026
Details

Term: 180 months for $75,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.39% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 3 times
4.89%5.39%5.89%Sep 14, 2026: 5.39% APRSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
5.40%
61 to 72 Months
View
▼
APR5.40%
Term61 to 72 Months
Last UpdatedSep 26, 2026
Details

Fixed (as low as)

Rate History
No change since Sep 18, 2026 · 5.40% APR · checked 3 times
4.90%5.40%5.90%Sep 18, 2026: 5.40% APRSep 18, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.47%
60 Months
View
▼
APR5.47%
Term60 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.47% APR · checked 5 times
4.97%5.47%5.97%Sep 14, 2026: 5.47% APRSep 14, 2026Sep 28, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
New/Used Auto
5.49%
6 Years
View
▼
APR5.49%
Term6 Years
Last UpdatedSep 25, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 25, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 25, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2017 - Newer

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Used Auto

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
5.50%
60-months
View
▼
APR5.50%
Interest Rate5.50%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 2; Transunion Credit Score: 700-749

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Sep 28, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
New and Used Other Vehicle Loans
5.59%
240 months
View
▼
APR5.59%
Term240 months
Last UpdatedSep 22, 2026
Details

Term: 240 months for $100,000 or more on boats, RVs and aircraft loans only; Published APR range: 5.59% to 17.59%.

Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 3 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.46%
Used Vehicle - 60 month term Loan
5.64%
60 month
View
▼
APR5.64%
Term60 month
Last UpdatedSep 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 18, 2026: 5.64% APRSep 18, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Autos New/Used 2016 - Newer
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedSep 26, 2026
Details

As Low As; Fixed; $25,000 min.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Used Vehicles Loan
5.74%
73 to 84 Months
View
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Auto
5.75%
250 months
View
▼
APR5.75%
Term250 months
Last UpdatedSep 27, 2026
Details

Term: >250000 for 84 months; As Low As; Used Auto

Rate History
No change since Sep 22, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 22, 2026: 5.75% APRSep 22, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
New and Used Auto Loans
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedSep 25, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 5 times
5.29%5.79%6.29%Sep 14, 2026: 5.79% APRSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.79%
7 years
View
▼
APR5.79%
Term7 years
Last UpdatedSep 25, 2026
Details

Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.

Rate History
No change since Sep 17, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 17, 2026: 5.79% APRSep 17, 2026Sep 28, 2026
Nebo Credit Union
New & Used Cars and Trucks Loan
5.99%
73 to 84 months
View
▼
APR5.99%
Term73 to 84 months
Last UpdatedSep 22, 2026
Details

Vehicle Year: 2017-2027

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
New and Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedSep 26, 2026
Details

As low as; Year: 2013 - 2016

Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 4.99%
3.99%5.49%6.99%Sep 14, 2026: 5.99% APRSep 26, 2026: 4.99% APRSep 26, 2026: 5.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.99%▲ from 4.99%
  • Sep 26, 20264.99%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Mobile Government Emp Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles and Vans (Current and 3 yrs. old) - 60-months/Black Book
6.00%
60-months
View
▼
APR6.00%
Interest Rate6.00%
Term60-months
Last UpdatedSep 22, 2026
Details

Credit Score Tier: 3; Transunion Credit Score: 650-699

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Sep 28, 2026
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Auto Loans
6.00%
up to 72 months
View
▼
APR6.00%
Interest Rate6.00%
Termup to 72 months
Last UpdatedSep 25, 2026
Details

2019-2027 for 73-96 months at 5.90%

Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Sep 28, 2026

West Valley City, UT Auto Loan Rate Trends

Compare local West Valley City, UT auto loan rates against the statewide average

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

View Full Utah Auto Trends
New Auto Loan UT Avg
6.832%
▲ 0.016 vs 7 days ago

Utah new auto rates rose 0.016 points over the past 7 days to 6.832% APR.

Used Auto Loan UT Avg
6.065%
▼ 0.016 vs 7 days ago

Utah used auto rates fell 0.016 points over the past 7 days to 6.065% APR.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

West Valley City, UT Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Utah figures.

Current New Auto Avg
6.83%
APR, as of Sep 28, 2026
6-Month Forecast
6.91%
Fed hold assumed
12-Month Forecast
6.98%
Range: 6.63% to 7.18%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Utah APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 6.83% APR
UT average		 Used Auto @ 6.07% APR
UT average		 Monthly Difference
$15,000 $295.83/mo $290.45/mo $5.38/mo
$25,000 $493.05/mo $484.08/mo $8.97/mo
$35,000 $690.27/mo $677.71/mo $12.56/mo
$45,000 $887.49/mo $871.34/mo $16.15/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

How to Get the Best Auto Loan Rate in West Valley City, Utah

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving West Valley City, Utah locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Utah. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Utah Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$43,714
Median Individual Earnings
National avg: $47,340
3.5%
Unemployment Rate
National avg: 4.8%
8.5%
Poverty Rate
National avg: 11.1%
$592/mo
Payment on a $30K / 60-mo Loan
At UT new-auto avg 6.83% APR

A $592 monthly car payment works out to roughly 16.2% of the median individual income in Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in West Valley City, Utah, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in West Valley City, Utah. We’ve prefilled the APR with today’s UT new-auto average, or click any current rate on the right to apply it instantly.

$
$
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Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Valley City, Utah auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for West Valley City, Utah directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in West Valley City, Utah. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in UT.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in West Valley City, 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 West Valley City, 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 West Valley City, 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.

Should I get preapproved for an auto loan before visiting a dealer in West Valley City, Utah?

Yes. A preapproval from a bank or credit union serving West Valley City, Utah gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving West Valley City, Utah can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in West Valley City, Utah?

Based on our current data, some of the lowest auto loan rates available in West Valley City, Utah include:
  • Deseret First Federal Credit Union: 4.74% (Auto Loans)
  • American United Federal Credit Union: 4.99% (Auto Loan)
  • Cyprus Federal Credit Union: 4.99% (New & Used Cars and Trucks Loan)
  • Mountain America Federal Credit Union: 4.99% (New & used car loans)
  • America First Federal Credit Union: 4.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Valley City, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 28, 2026

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