Sandy, Utah Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Sandy, Utah auto loan rates range from 2.49% to 18.00% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Sandy, Utah include West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 1.38%Rate verified Nov 7, 2026 offering Fixed Rate Auto Loan - 2018-2027 Model Year at 4.24%, Wellspring Federal Credit UnionWellspring Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070A+5.0 ★Texas Ratio: 5.33%Rate verified Nov 7, 2026 offering Auto Loan - 48 Months at 4.50%, Jordan Federal Credit UnionJordan Federal Credit Union9260 S 300 E, Sandy, UT, 84070A+5.0 ★Texas Ratio: 1.93%Rate verified Nov 8, 2026 offering Auto Loan - 5 Year at 4.74%, Granite Federal Credit UnionGranite Federal Credit Union9383 S 700 E, Sandy, UT, 84070 6202A+5.0 ★Texas Ratio: 3.94%Rate verified Nov 8, 2026 offering Auto Loan at 4.74%, American United Federal Credit UnionAmerican United Federal Credit Union8621 S 700 E, Sandy, UT, 84070A5.0 ★Texas Ratio: 7.55%Rate verified Nov 7, 2026 offering Auto Loan - 2020 & Newer at 4.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Sandy has 16 local institutions in our database, with auto loan rates as low as 4.24% APR from West Branch Valley Federal Credit Union at 8520 S Sandy Pkwy, Sandy, UT, 84070 6422. 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 Sandy, Utah. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Sandy, Utah & Surrounding Area
Sandy Auto Loan Rates
Model Year: 2018-2027; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
Model Year: 2021-2027; Minimum loan $20,000; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
As Low As; Fixed APR
As Low As; Fixed APR
Model Year: 2016-2017; Rates include 0.50% discount for automatic payments from active WBVFCU account and monthly direct deposit
As Low As; New & Used; OAC
Rate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Rate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Not available with other discounts or promotions
- Oct 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Rate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Model Year: 2019-2026; APR column 1 of 2 (as low as)
- Nov 5, 20264.99%▼ from 5.24%
- Oct 26, 20265.24%▲ from 4.99%
- Oct 6, 20264.99%▲ from 4.74%
- Sep 18, 20264.74%first recorded
As Low As; Model Year: 2019-2026
- Oct 6, 20264.99%▲ from 4.74%
- Sep 18, 20264.74%first recorded
APR as low as; Payment per $1,000 excluded
As Low As; Fixed APR
As Low As; APR based on credit score and services used at the credit union
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Not available with other discounts or promotions
- Oct 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR; Rates for Utah; Maximum consumer loan APR 18%
- Oct 26, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
- Nov 3, 20265.24%▲ from 4.99%
- Oct 19, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
- Nov 3, 20265.24%▲ from 4.99%
- Oct 19, 20264.99%▲ from 4.74%
- Sep 17, 20264.74%first recorded
Model Year: 2019-2026; APR column 2 of 2 (as low as)
- Nov 9, 20265.24%▲ from 4.99%
- Nov 5, 20264.99%▼ from 5.24%
- Oct 19, 20265.24%▲ from 4.99%
- Oct 6, 20264.99%▲ from 4.74%
Model Year: 2019-2026; APR column 1 of 2 (as low as)
- Nov 9, 20265.24%▼ from 5.49%
- Oct 26, 20265.49%▲ from 5.24%
- Oct 6, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
APR as low as
Credit Grade: A+; FICO Score: 730+; New & used vehicles; New purchase or refinancing
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR based on credit score and services used at the credit union
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
As Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Not available with other discounts or promotions
- Oct 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed APR; Rates for Utah; Maximum consumer loan APR 18%
- Nov 3, 20265.49%▲ from 5.24%
- Oct 19, 20265.24%▼ from 5.49%
- Sep 17, 20265.49%first recorded
Model Year: 2019-2026; APR column 2 of 2 (as low as)
- Oct 19, 20265.49%▲ from 5.24%
- Oct 6, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
APR as low as
Credit Grade: A+; FICO Score: 730+; New & used vehicles; New purchase or refinancing
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; New & Used; OAC
Credit Grade: A; FICO Score: 680-729; New & used vehicles; New purchase or refinancing
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Rate Type: Fixed; 73+ month loans require a minimum loan amount of $20,000 or a vehicle two years old or newer; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Model Year: 2019-2026; APR column 1 of 2 (as low as)
- Nov 9, 20265.99%▼ from 6.24%
- Oct 26, 20266.24%▲ from 5.99%
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Older Model; Model Year: 2011-2018; APR column 1 of 2 (as low as)
- Nov 9, 20265.99%▼ from 6.24%
- Oct 30, 20266.24%▲ from 5.99%
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Credit Grade: A; FICO Score: 680-729; New & used vehicles; New purchase or refinancing
As Low As; Fixed APR
As Low As; APR based on credit score and services used at the credit union
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Vehicle age: 10 years or newer; Fixed Rate New & Used Recreational Vehicle Loan; includes 0.50% automatic payment discount
As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20266.24%▲ from 5.99%
- Sep 17, 20265.99%first recorded
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; Not available with other discounts or promotions
- Oct 5, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Fixed APR; Rates for Utah; Maximum consumer loan APR 18%
- Oct 26, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
- Nov 3, 20266.24%▲ from 5.99%
- Oct 19, 20265.99%▼ from 6.24%
- Sep 17, 20266.24%first recorded
APR* as low as; Type: Fixed
APR* as low as; Type: Fixed
Model Year: 2019-2026; APR column 2 of 2 (as low as)
- Oct 19, 20266.24%▲ from 5.99%
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Older Model; Model Year: 2011-2018; APR column 2 of 2 (as low as)
- Oct 19, 20266.24%▲ from 5.99%
- Oct 6, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Older Model; Model Year: 2011-2018; APR column 1 of 2 (as low as)
- Nov 9, 20266.24%▲ from 4.99%
- Nov 5, 20264.99%▼ from 5.24%
- Oct 26, 20265.24%▼ from 6.24%
- Oct 19, 20266.24%▲ from 4.99%
Older Model; APR as low as
APR as low as
- Oct 19, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Type: Fixed; Cash back monthly rebate with personal checking
As Low As; Model Year: 2019 & Older (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
As Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking
- Oct 5, 20266.49%▲ from 6.24%
- Sep 17, 20266.24%first recorded
APR* as low as; Type: Fixed
Older Model; Model Year: 2011-2018; APR column 2 of 2 (as low as)
- Nov 9, 20266.49%▲ from 4.99%
- Nov 5, 20264.99%▼ from 5.24%
- Oct 26, 20265.24%▼ from 6.49%
- Oct 19, 20266.49%▲ from 4.99%
Older Model; APR as low as
As Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking
- Oct 5, 20266.74%▲ from 6.49%
- Sep 17, 20266.49%first recorded
Older Model; Model Year: 2016-2018; APR column 1 of 2 (as low as)
- Nov 9, 20266.74%▼ from 6.99%
- Oct 30, 20266.99%▲ from 5.49%
- Oct 26, 20265.49%▼ from 6.74%
- Oct 6, 20266.74%▲ from 6.49%
As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Older Model; Model Year: 2016-2018; APR column 2 of 2 (as low as)
- Oct 30, 20266.99%▲ from 5.49%
- Oct 26, 20265.49%▼ from 6.99%
- Oct 19, 20266.99%▲ from 6.74%
- Oct 6, 20266.74%▲ from 6.49%
Older Model; APR as low as
Credit Grade: B; FICO Score: 640-679; New & used vehicles; New purchase or refinancing
As Low As; APR based on credit score and services used at the credit union
- Sep 25, 20267.03%▲ from 6.79%
- Sep 14, 20266.79%first recorded
As Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
APR* as low as; Type: Fixed
Credit Grade: B; FICO Score: 640-679; New & used vehicles; New purchase or refinancing
As Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
$30,000; As Low As; Fixed APR; Rates for Utah; Maximum consumer loan APR 18%
- Oct 26, 20267.99%▲ from 7.74%
- Sep 14, 20267.74%first recorded
Type: Fixed; Cash back monthly rebate with personal checking
As Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
As Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Credit Grade: C; FICO Score: 600-639; New & used vehicles; New purchase or refinancing
APR as low as
APR as low as
APR as low as
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Credit Grade: C; FICO Score: 600-639; New & used vehicles; New purchase or refinancing
Credit Grade: D; FICO Score: 550-599; New & used vehicles; New purchase or refinancing
Credit Grade: D; FICO Score: 550-599; New & used vehicles; New purchase or refinancing
Credit Grade: E; FICO Score: <549; New & used vehicles; New purchase or refinancing
Credit Grade: E; FICO Score: <549; New & used vehicles; New purchase or refinancing
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
AUTO LOAN SPECIAL; Model Year: 2022-2027
As Low As; OAC
As Low As; Vehicle Loans - New Auto
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Featured homepage rate
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Fixed APR
As Low As
As Low As; Vehicle Loans - Used Auto**; Restrictions apply based upon model year
AUTO LOAN SPECIAL; Model Year: 2019-2021
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Model Year: 2016-2026
- Oct 9, 20264.69%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Rates based on FICO score 720 or above; Subject to change; APR shown with 0.25% discount for automatic payment transfers and checking account
As Low As; Model Year: 2026-2027; Amount: 100% LTV; Rates effective 05/01/2026; Rates for loans paid through payroll deduction or automatic payment
As Low As; Model Year: 2016-2026; Amount: 100% LTV
As Low As; Fixed APR
Value maximum: 110% NADA Clean Retail; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Value maximum: 110% NADA CLEAN RETAIL; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Vehicle Age: 2016-2026; LOWEST RATE. No payment for 60 days
- Oct 28, 20264.74%▲ from 4.49%
- Oct 4, 20264.49%▲ from 4.24%
- Sep 12, 20264.24%first recorded
As Low As; OAC
As Low As; Rates include a 0.25% discount for automatic payment; subject to credit score, loan amount, age of collateral, and loan-to-value adjustments
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; APR As Low As
- Oct 9, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Fixed
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.79% to 15.29%. Loan amount greater than or equal to $20,000
- Nov 3, 20264.79%▲ from 4.49%
- Oct 13, 20264.49%first recorded
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Model Year: 2016-2026
- Oct 9, 20264.94%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR; Rates current as of November 04, 2026
- Nov 5, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
Value maximum: 110% NADA Clean Retail; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Value maximum: 110% NADA CLEAN RETAIL; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Vehicle Age: 2016-2026; No payment for 60 days
- Oct 28, 20264.99%▲ from 4.74%
- Oct 4, 20264.74%▲ from 4.49%
- Sep 12, 20264.49%first recorded
Effective 9/12/2023; Vehicle Year: 2026
As Low As; APR As Low As
- Oct 9, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Term: 72 Months, $15,000 Min, Fixed; As Low As; Model Year: 2017-2027; Rates effective as of 10/25/2026
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Fixed
Effective 11/1/2026; APR is on approved credit
Term: Up to 60 months (84k miles max); As Low As; Model Year: 2020 and Newer
Term: Up to 48 months (120k miles max); As Low As; Model Year: 2020 and Newer
As Low As; Model Year: 2020 and Newer
As Low As; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR
- Oct 26, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Up to 15,000 miles; Credit Score: 850-750
- Nov 8, 20265.00%▼ from 5.50%
- Oct 19, 20265.50%first recorded
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/100% retail value
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/Black Book
Term: 61-72 months (greater than or equal to $20,000); APR range: 5.09% to 15.59%
- Nov 3, 20265.09%▲ from 4.49%
- Oct 13, 20264.49%first recorded
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed
Value maximum: 110% NADA Clean Retail; 7 year term only: minimum loan $25,000; model years 2022-2025 only; must have an Experian FICO credit score of 670 or greater; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Value maximum: 110% NADA CLEAN RETAIL; 7 year term only: minimum loan is $25,000; model years 2022-2025 only; must have an Experian FICO credit score of 670 or greater; Higher rates may apply for members with an Experian FICO credit score less than 670
As Low As; Vehicle Age: 2016-2026; No payment for 60 days
- Oct 28, 20265.24%▲ from 4.99%
- Oct 4, 20264.99%▲ from 4.74%
- Sep 12, 20264.74%first recorded
Effective 9/12/2023; Vehicle Year: 2026; Value: over $25,000.00
As Low As; New Auto, 12-60 Month Term
As Low As; Rates include a 0.25% discount for automatic payment; subject to credit score, loan amount, age of collateral, and loan-to-value adjustments
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
- Oct 9, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Term: Up to 72 months (60k miles max); As Low As; Model Year: 2020 and Newer
As Low As; Year: 2017 - Newer
Sandy New Auto Auto Loan Rates
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; APR based on credit score and services used at the credit union
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR based on credit score and services used at the credit union
- Sep 25, 20265.28%▲ from 5.03%
- Sep 17, 20265.03%first recorded
As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages
As Low As; APR based on credit score and services used at the credit union
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20266.24%▲ from 5.99%
- Sep 17, 20265.99%first recorded
Type: Fixed; Cash back monthly rebate with personal checking
Type: Fixed; Cash back monthly rebate with personal checking
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
AUTO LOAN SPECIAL; Model Year: 2022-2027
As Low As; OAC
As Low As; Vehicle Loans - New Auto
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
As Low As; Fixed APR
As Low As
AUTO LOAN SPECIAL; Model Year: 2019-2021
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Rates based on FICO score 720 or above; Subject to change; APR shown with 0.25% discount for automatic payment transfers and checking account
As Low As; Model Year: 2026-2027; Amount: 100% LTV; Rates effective 05/01/2026; Rates for loans paid through payroll deduction or automatic payment
As Low As; Fixed APR
As Low As
As Low As
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
Term: 61-72 months (greater than or equal to $20,000); Published APR range: 4.79% to 15.29%. Loan amount greater than or equal to $20,000
- Nov 3, 20264.79%▲ from 4.49%
- Oct 13, 20264.49%first recorded
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
Term: 72 Months, $15,000 Min, Fixed; As Low As; Model Year: 2017-2027; Rates effective as of 10/25/2026
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Fixed; New Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
As Low As; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR
- Oct 26, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Up to 15,000 miles; Credit Score: 850-750
- Nov 8, 20265.00%▼ from 5.50%
- Oct 19, 20265.50%first recorded
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/100% retail value
As Low As; Year of Vehicle: 2022-2024; Rate Type: Fixed
As Low As; New Auto, 12-60 Month Term
As Low As; Year: 2017 - Newer
Sandy Used Auto Auto Loan Rates
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.24%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
- Oct 8, 20265.25%▲ from 5.15%
- Sep 25, 20265.15%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20265.49%▲ from 5.24%
- Sep 17, 20265.24%first recorded
Includes cars, pickup trucks, SUVs, etc.; New & used
- Oct 8, 20265.50%▲ from 5.49%
- Sep 25, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Vehicle Year: 2017-2027; Advertised APR includes 0.50% loan rate discount for Dream Rewards Checking
- Oct 5, 20266.24%▲ from 5.99%
- Sep 17, 20265.99%first recorded
Type: Fixed; Cash back monthly rebate with personal checking
As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking
- Oct 5, 20266.49%▲ from 6.24%
- Sep 17, 20266.24%first recorded
As Low As; Vehicle Year: 2016 & Older; Advertised APR includes a 0.50% loan rate discount provided to those with a Dream Rewards Checking
- Oct 5, 20266.74%▲ from 6.49%
- Sep 17, 20266.49%first recorded
Type: Fixed; Cash back monthly rebate with personal checking
AUTO LOAN SPECIAL; Model Year: 2022-2027
As Low As; OAC
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
As Low As; Fixed APR
As Low As
As Low As; Vehicle Loans - Used Auto**; Restrictions apply based upon model year
AUTO LOAN SPECIAL; Model Year: 2019-2021
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
APR range: 4.59% to 14.89%
- Nov 3, 20264.59%▲ from 3.99%
- Oct 13, 20263.99%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Rates based on FICO score 720 or above; Subject to change; APR shown with 0.25% discount for automatic payment transfers and checking account
As Low As; Model Year: 2016-2026; Amount: 100% LTV
As Low As; Fixed APR
As Low As
As Low As
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; Fixed
Model Year: 2016 & Newer; Rates include a 0.50% discount for automatic payment.
As Low As; Fixed
As Low As; Year: 2017 - Newer
- Sep 26, 20264.99%▼ from 5.99%
- Sep 26, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed APR
- Oct 26, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/Black Book
Term: 61-72 months (greater than or equal to $20,000); APR range: 5.09% to 15.59%
- Nov 3, 20265.09%▲ from 4.49%
- Oct 13, 20264.49%first recorded
As Low As; Year of Vehicle: 2015-2021; Rate Type: Fixed
As Low As; Year: 2017 - Newer
Sandy, UT Auto Loan Rate Trends
Compare local Sandy, UT auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah new auto rates rose 0.064 points over the past 7 days to 5.514% APR.
Utah used auto rates rose 0.023 points over the past 7 days to 5.911% APR.
Sandy, UT Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Utah APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.51% APR UT average | Used Auto @ 5.91% APR UT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.61/mo | $289.37/mo | $2.76/mo |
| $25,000 | $477.69/mo | $482.29/mo | $4.60/mo |
| $35,000 | $668.76/mo | $675.20/mo | $6.44/mo |
| $45,000 | $859.84/mo | $868.12/mo | $8.28/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 Sandy, Utah
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Sandy, Utah locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Utah. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Sandy, Utah high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Sandy, Utah CD rates lock in a guaranteed return until you’re ready to buy
Sandy, Utah Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $573 monthly car payment works out to roughly 13.0% of the median individual income in Sandy, Utah. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Sandy, 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 to 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 to 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 Sandy, Utah. We’ve prefilled the APR with today’s UT new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sandy, 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 Sandy, 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 Sandy, 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.
Bad Credit Auto Loans in Sandy, Utah
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Sandy, Utah
What are auto loan rates in Sandy, Utah today?
How does my credit score affect my car loan rate in Sandy, Utah?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Sandy, Utah?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Sandy, Utah?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Sandy, Utah?
- West Branch Valley Federal Credit Union: 4.24% (Fixed Rate Auto Loan - 2018-2027 Model Year)
- Wellspring Federal Credit Union: 4.50% (Auto Loan - 48 Months)
- Jordan Federal Credit Union: 4.74% (Auto Loan - 5 Year)
- Granite Federal Credit Union: 4.74% (Auto Loan)
- American United Federal Credit Union: 4.99% (Auto Loan - 2020 & Newer)
Sandy, Utah Rates & Resources
