Life in Utah demands a reliable car, whether you’re commuting, canyon-cruising, or chasing powder — and your credit history, even the colorful parts, shouldn’t keep you from getting where you want to go. If other lenders have said “no” to your auto loan because of colorful credit, don’t sweat it.
At Utah First, we offer judgment-free auto loans that let you say “yes” to progress today while helping you work toward bigger financial wins tomorrow. With boutique, judgment-free vibes, we fit the loan to the person, not the other way around, so you can stay driven, keep building, and feel great about the road ahead.
That’s the heart of what it means to Stay Orange: banking that’s personal, flexible, and made to fit.
Looking for the best auto rates in Utah? Say less. Utah First is where the deals live! With top-tier fixed APRs, flexible terms, and fast, personalized approvals for new, used, or refinanced vehicles, you get an auto loan that fits you with a predictable monthly payment you can count on. It’s the friendly, boutique, unapologetically Orange way to borrow.
Building credit is a journey, not a straight line, which means your financial path might have a pothole or two in it. We get it. Staying Orange means staying optimistic and fully in your corner! That’s why we work with every credit vibe to find financing that fits. Our financial experts are here to hype you up, snag a loan that works for your budget now, and level up your future.
Get auto loan approval 24/7 online or over the phone at (800) 234-0729. Knowing your borrowing power upfront gives you the upper hand during your car search and eliminates the stress of waiting for dealership approval.
| Credit Grade | FICO Score | Up To 60 Months | 61-72 Months |
|---|---|---|---|
| A+ | 730+ | 5.75% | 6.00% |
| A | 680-729 | 6.25% | 6.50% |
| B | 640-679 | 7.50% | 7.75% |
| C | 600-639 | 10.50% | 10.75% |
| D | 550-599 | 14.50% | 14.75% |
| E | <549 | 18.00% | 18.00% |
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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.
Fixed 5.75 Annual Percentage Rate (APR) auto loans offered for members with a Personal Checking account for new and used vehicles on approved credit for up to 5-years. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the promotional rate. Rates based on credit history, collateral criteria, term of loan, and other criteria. New money direct vehicle loans only. Existing Utah First loans not eligible. May not be combined with any other offers. Offer subject to change without notice. Other terms and conditions apply.
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 like job loss or illness. These additional plans offer peace of mind without breaking the bank.
Our secure online application lets you pre-apply for a loan anytime, anywhere. The process is quick and easy, allowing you to get started on your journey towards car ownership.
Our dedicated loan specialists are available to answer your questions, guide you through the loan application process, and help you find the perfect financing solution to fit your needs.
We prioritize your time. Once pre-approved, our team will walk you through a smooth and efficient loan closing process, ensuring a stress-free transition into car ownership.
Don’t wait! Kickstart your car buying journey with a pre-approval. Head to our secure online application and get pre-approved for an auto loan in minutes.
Our friendly financial experts are here to help! Call us at (800) 234-0729 or visit your nearest Utah First Credit Union branch. We’re here to answer your questions and guide you toward the perfect auto loan for your needs.
At Utah First Credit Union, we’re committed to helping you achieve your financial goals. Our auto loan options ensure everyone has the opportunity to experience the freedom and convenience of car ownership. We are your partner on the road to financial freedom. Find the right financial fit at Utah First and get a great rate that’s right for you – apply for your auto loan today!
Yes, if you have gone through bankruptcy or are currently going through a bankruptcy, and you’ve petitioned the court to grant you the opportunity to obtain a loan for a primary vehicle, we can work with you! Utah First looks at each member holistically, so a bankruptcy does not automatically exclude you from obtaining an auto loan.
No, Utah First doesn’t have “bad” interest rates, and we don’t believe in “bad” credit. Our members may have colorful credit, but bad things happen to good people and we believe lending should be judgment-free. Our ceiling for interest rates is currently 18% which is significantly lower than other sub-prime lenders. In fact, many of our members enjoy significant savings when they refinance their auto loans with us!
Yes, Utah First looks at each member holistically, so a repossession does not automatically exclude you from obtaining an auto loan.
Yes, Utah First looks at each member holistically, so not having credit does not automatically exclude you from obtaining an auto loan. Our financial experts love working with new borrowers and can guide you through the entire process, from submitting an application to making your first payment.
Possibly, Utah First looks at each loan application holistically. Our down payment requirements depend on a variety of factors including collateral, credit history, etc.
It can, a credit inquiry will typically lower your credit scores by a point or two. On the other hand, obtaining an auto loan and making on-time payments can greatly improve your score!
Utah First looks at each member’s situation individually but, in general, if you have income and can demonstrate an ability to repay, we can work with you to get you an auto loan!
Get Pre-Approved for Your Auto Loan