If you’re looking for the best rate in town, Utah First is offering an unbeatable auto loans with competitive rates.
Building credit takes time, and unexpected situations can sometimes leave blemishes on your credit report. We understand. We work with borrowers of all credit backgrounds to find the perfect financing solution for their needs. Our loan specialists go the extra mile to find a loan that fits your budget and helps you build a stronger financial future.
Get auto loan approval 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 for approval at the dealership.
| Credit Grade | FICO Score | Up To 60 Months | 61-72 Months |
|---|---|---|---|
| A+ | 730+ | 6.49% | 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.
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.
Actual rates and payment amount you receive will reflect your individual circumstances and may be higher than the 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.
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. 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