Looking to cruise the scenic deserts or bustling city streets in a new or used car? Maybe you already have a sweet ride and want to refinance it at a better rate.
At Utah First, we make it easy and stress-free to achieve your car goals with our competitive rates and award-winning service! Whether you’re looking to buy new or used or just refinance, our speedy, simple process and affordable rates make it possible to get you behind the wheel faster with a loan tailored to your needs. With quick approvals and flexible financing terms, you can feel good about your new or used ride.
If you’re looking for the best rate in town, Utah First is offering an unbeatable auto loan promotion with rates starting at just 5.99% APR, subject to approval. It’s the perfect opportunity to upgrade your ride and enjoy the savings!
| Credit Grade | FICO Score | Up To 60 Months | 61-72 Months |
|---|---|---|---|
| A+ | 730+ | 5.99% | 6.75% |
| A | 680-729 | 6.99% | 7.25% |
| B | 640-679 | 8.24% | 8.50% |
| C | 600-639 | 11.24% | 11.50% |
| D | 550-599 | 15.24% | 15.50% |
| E | <549 | 18.00% | 18.00% |
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APR = Annual Percentage Rate. All rates subject to change without notice.
Annual Percentage Rate (APR) offered on approved credit for terms up to 96 months. APR listed is fixed rate. Term, credit score, and vehicle age may cause a change in rate. Not all members will qualify. Offer subject to change without notice, other terms and conditions may apply.
Actual rates and payment amount you receive will reflect your individual circumstances and may be higher than the advertised rate. Promotional rates, including fixed 5.99 Annual Percentage Rate (APR) auto loans, offered for members with a Personal Checking account for new and used vehicles for up to a 5-year term. New money, direct vehicle loans only. Existing Utah First loans not eligible. Offers are open to residents of Washington & Iron Counties only.
1. Get Pre-Approved
Fill out our secure online application below to get pre-approved for an auto loan in minutes. This gives you upfront knowledge of your borrowing power and negotiating leverage at dealerships.
2. Shop with Confidence
Knowing your pre-approved amount allows you to focus on finding the perfect car that fits your needs and budget.
3. Finalize Your Loan
Once you’ve found your dream car, our loan specialists will guide you through a smooth and hassle-free loan closing process.
Apply for a Pre-Approval Today by heading to our secure online application to get pre-approved for an auto loan in minutes.
Apply Now
Or contact us to speak with one of our friendly loan specialists to discuss your options. Call us at (800) 234-0729 or visit your nearest Utah First branch.