The Utah auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Utah average new auto loan APR of 6.83% with the Utah vehicle sales tax of 4.85% and $300 in fees added to the loan, is a monthly car payment of about $661, or about $755 a month with the average Utah car insurance premium included, verified by MonitorBankRates as of September 24, 2026.
Lenders serving Utah currently advertise auto loan APRs from 2.49% to 4.24% across the 5 offers listed below. This calculator finances what a Utah dealer actually finances: the price minus your down payment and trade in, plus Utah sales tax (local rates can add to the state rate) and fees. The APR is today's MonitorBankRates Utah average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Utah used car average of 6.07% costs about $649 a month.
Utah Car Payment Estimator
Prefilled with the MonitorBankRates Utah average APR, the Utah sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Utah sales tax | $0 |
| Title, registration and fees | $0 |
| Down payment | $0 |
| Trade in | $0 |
| Amount financed | $0 |
Loan balance over time
Amortization schedule (yearly totals)
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Current Utah Average Auto Loan Rates
Today's MonitorBankRates Utah averages first, then the lowest verified new and used offers from lenders serving Utah. Click any APR to run it through the calculator.
Auto Loan Offers in Utah and the Payment on a $35,000 Car
Monthly payment on the example loan ($33,498 financed after $3,500 down, Utah tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- P&S Credit UnionNew Truck & Auto Loans (2026 and Untitled 2025 Vehicles)2.49% APR$594 a month over 60 months
- Baxter Credit UnionAuto Loan3.64% APR$611 a month over 60 months
- Education 1st Credit UnionNew or Used Auto3.95% APR$616 a month over 60 months
- Delta Community Credit UnionNew and Used Other Vehicle Loans3.99% APR$617 a month over 60 months
- West Branch Valley Federal Credit UnionVehicle Loan (2018- 2027 Model Year)4.24% APR$621 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Utah auto loan rates page.
View Your Utah Auto Loan Rate
Personalized auto loan offers from lenders serving Utah.
What a Car Loan Costs in Utah Right Now
| $35,000 new car, $3,500 down, Utah tax and fees: $33,498 financed at the MonitorBankRates Utah average of 6.83% | Monthly | Total interest |
|---|---|---|
| 36 months | $1,032 | $3,645 |
| 48 months | $800 | $4,880 |
| 60 months | $661 | $6,141 |
| 72 months | $568 | $7,427 |
| 84 months | $503 | $8,739 |
Utah sales tax adds $1,698 to a $35,000 car, which at 6.83% over 60 months is about $33 of the monthly payment. Because Utah taxes the price after the trade in, trading in a $10,000 car at the dealer saves $485 in tax compared with selling it privately. The Utah average APR of 6.83% is above the U.S. average of 5.88%. Add the average Utah car insurance premium of $94 a month and the car costs about $755 a month to keep on the road before fuel and maintenance, which is 9.5% of the Utah median household income of $95,166. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Utah average.
Car Payments by Price in Utah
10% down, Utah sales tax of 4.85% and $300 in fees financed, 60 months at the MonitorBankRates Utah averages for new (6.83%) and used (6.07%) cars.
| Price | Down | Utah tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $728 | $14,528 | $287 | $281 |
| $25,000 | $2,500 | $1,212 | $24,013 | $474 | $465 |
| $35,000 | $3,500 | $1,698 | $33,498 | $661 | $649 |
| $45,000 | $4,500 | $2,182 | $42,983 | $848 | $832 |
| $60,000 | $6,000 | $2,910 | $57,210 | $1,128 | $1,108 |
Buying a Car in Utah: Tax, Fees and Insurance
Sales tax. State rate of 4.85% plus local rates, about 7% combined. The calculator uses the state rate of 4.85%; enter your combined local rate for an exact figure. Dealers add the tax to the amount financed unless you pay it at signing, so it costs interest for the life of the loan.
Trade in. In Utah the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $485 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Utah motor vehicle agency and vary by vehicle; dealer documentation fees are set by the dealer and run from about $100 to more than $800 depending on the state. The calculator uses $300 as a placeholder; replace it with the figures on your buyer's order.
Insurance. The average Utah car insurance premium is about $1,129 a year, or $94 a month, according to the NAIC, compared with about $1,258 nationally. Lenders require full coverage on a financed car, so budget for it alongside the payment. Compare carriers on the Utah car insurance page.
How to Use the Utah Auto Loan Calculator
- Start from the Utah defaults
The APR is today's MonitorBankRates Utah average, the sales tax is the Utah vehicle rate and the insurance line is the state average. Switch to used with one click.
- Enter the deal
Type the negotiated price, your down payment and trade in, and the fees from the buyer's order. Add your local tax rate if your county or city charges more than the state rate.
- Click a verified lender APR
The panel lists the lowest current new and used offers from lenders serving Utah. One click applies that APR and term.
- Read the full monthly cost
The large figure is the loan payment. Payment plus insurance shows what the car costs each month to keep on the road.
Frequently Asked Questions About Car Loans in Utah
What is the average auto loan rate in Utah today?
The MonitorBankRates Utah average new auto loan APR is 6.83% as of September 24, 2026, and the average used auto loan APR is 6.07%, computed every day from rates published by banks and credit unions lending in Utah. Individual lenders currently advertise APRs from 2.49% to 4.24% for borrowers with strong credit; compare offers on the Utah auto loan rates page.
How much is the car payment on a $35,000 car in Utah?
With $3,500 down, Utah sales tax of 4.85% and $300 in fees, the amount financed is $33,498. At the MonitorBankRates Utah average new auto loan APR of 6.83% that is about $661 a month over 60 months, $800 over 48 months, or $568 over 72 months.
What is the sales tax on a car in Utah?
State rate of 4.85% plus local rates, about 7% combined. On a $35,000 car the state rate of 4.85% comes to $1,698. The trade in value is subtracted before tax in Utah.
Does a trade in reduce sales tax in Utah?
Yes. Utah charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $485 in tax at the 4.85% state rate in addition to lowering the loan.
How much is car insurance in Utah?
The NAIC average car insurance premium in Utah is about $1,129 a year, or $94 a month, compared with about $1,258 nationally. Full coverage is required on a financed car, so the calculator adds the premium to the payment: about $755 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $33,498 example at 6.83%, 48 months costs $800 a month, 60 months $661, and 84 months $503. The 84 month loan pays about $2,599 more interest than the 60 month loan and leaves you owing more than the car is worth for years.
How much should I put down on a car in Utah?
At least 10% on a used car and 20% on a new one is the usual guidance. Twenty percent down on the $35,000 example, $7,000, cuts the payment by about $69 a month and reduces the time you owe more than the car is worth.
Auto Loan Calculators for Other States
Each state page starts from that state's MonitorBankRates average APR, vehicle sales tax rate and average car insurance cost. The national auto loan calculator compares the payment on the same car in every state.
