Explore the best auto loan rates in Utah and find financing options that fit your budget. Understand state-specific factors like sales tax and registration fees to make an informed decision on your next vehicle purchase.
Get pre-approved for an auto loan before visiting a dealership. Pre-approval gives you negotiating power and protects you from dealer financing markups that can add $1,000–$3,000 to your total cost.
Utah, known as the Beehive State, has a population of 3.4M with a median household income of approximately $72,000. The current unemployment rate stands at 2.7%, which lenders consider when evaluating applications from Utah residents.
Major financial hub: Salt Lake City is the primary financial center for Utah residents, with access to both national and regional lenders.
Flexible financing options with competitive rates and no payments for 90 days.
Low-rate auto loans for new and used vehicles with flexible terms.
Low rates and fast approval for new, used, and refinance car loans.
Enjoy low rates, flexible terms, quick approvals, and exclusive benefits.
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| Lender | APR Range (as low as) | Max Term | Key Benefit | CTA |
|---|---|---|---|---|
| America First Credit Union | 4.99% - 7.74% | 8 Years | 90 days no payment option | Check Rates |
| Mountain America Credit Union | 5.24% | 72 Months | MyStyle® Checking discount | Check Rates |
| Utah First Credit Union | 4.99% | Varies | Fast approval, refinance options | Check Rates |
| Cyprus Credit Union | Competitive | Varies | Exclusive member benefits | Check Rates |
| Wasatch Peaks Credit Union | 4.99% - 5.99% | 84 Months | Low-interest rates, flexible terms | Check Rates |
| Canyon View Credit Union | 4.89% | 60 Months | Low-rate auto loans, affordable payments | Check Rates |
| Granite Credit Union | 4.99% - 5.99% | 84 Months | Vanishing Rate Auto Loans | Check Rates |