Looking for your next set of wheels? At Utah First, we make it easy and stress-free to achieve your car goals with competitive rates and award-winning service. We’ve been helping Utah drivers hit the road with the best auto loans since 1935.
Now, we’re celebrating 90 years of service with a special deal. Lock in a limited-time 4.99% auto loan rate and make no payments for 90 days! Whether you’re looking to buy new or used or just refinance, our simple process and affordable rates get you behind the wheel faster with quick approvals and flexible financing terms.
Celebrate with us! Get the anniversary deal deets here:
Party now and pay later with a Utah First auto loan!
Apply Now
| Type | Product | Term | APR |
|---|---|---|---|
| Fixed | New/Used Auto | 5 Years | 4.99% |
| Fixed | New/Used Auto | 6 Years | 5.25% |
| Fixed | New/Used Auto | 7 Years | 6.50% |
| Fixed | New/Used Auto | 8 Years | 8.25% |
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APR = Annual Percentage Rate. All rates subject to change without notice.
*Advertised APR includes 0.25% loan rate discount with Personal Checking.
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.
All promotional rates for credit are on approved credit. Actual rates and payment amount you receive will reflect your individual circumstances and may be higher than the rate. Fixed 4.99 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.
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 — and you won’t make a payment for 90 days!
Apply for a pre-approval online today and celebrate with 90 days of no payments and a 4.99% rate — only for a limited time! Our secure application gets you rolling 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.
For 90 years, we’ve been 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!