Looking to cruise the scenic highways of Utah or navigate the bustling city streets in a new or used car? At Utah First Credit Union, we make getting behind the wheel of your dream car a smooth ride. We’ll help you get into a vehicle (and a loan) you can love. Our auto loans offer incredibly great rates, easy approval, and flexible financing terms, so you can feel good about your new or used car, truck, motorcycle, boat, or RV purchase.
Ready to rock a monthly rebate? Members with a Personal Checking account instantly qualify for a loan rebate equivalent to 0.25% APR of your current balance. Your rebate will be deposited into your Personal Checking monthly. It’s that easy! Keep the wheels rolling, there is no cap on the number of eligible loans.
Need a fast answer? Get pre-approved for an auto loan 24/7 online or over the phone at (800) 234-0729. Knowing your borrowing power upfront empowers you during your car search and eliminates the stress of waiting.
We believe everyone deserves a chance to get behind the wheel. Our loan specialists work diligently to find the perfect financing solution for borrowers with all credit backgrounds.
We’ve Got You Covered: Whether you’re set on a brand-new car fresh off the lot or a reliable pre-owned one, we offer financing options that cater to your specific needs with fixed-rate new/used auto loans up to an 8-year term.
Finance up to 125% of NADA retail value, allowing you to potentially cover the full purchase price of your chosen vehicle, including taxes and fees.
Enhance your car ownership experience with affordable GAP insurance and Payment Protection plans. GAP insurance helps bridge the gap between your car’s value and your loan amount in case of an accident, while Payment Protection safeguards your payments in case of unforeseen circumstances.
| Type | Product | Term | APR* |
|---|---|---|---|
| Fixed | New/Used Auto | 5 Years | 6.99% |
| Fixed | New/Used Auto | 6 Years | 7.25% |
| Fixed | New/Used Auto | 7 Years | 7.99% |
| Fixed | New/Used Auto | 8 Years | 9.75% |
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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.
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 Credit Union branch.
At Utah First Credit Union, we’re committed to helping our members achieve their financial goals. Let us make your dream of a new car a reality with a personalized auto loan solution. Get an auto loan from Utah First and love your loan as much as your next vehicle. Explore the freedom of the open road with confidence – apply for your Utah auto loan today!