New and Used Car Loans

Get a great rate and unbeatable local auto loan service.

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New and Used Car Loans

Get a great rate and unbeatable local auto loan service.

Auto Loans Made Easy at Utah First

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.

5.99% APR Auto Loan Deal

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!

5.99% APR Auto Loans Terms:

    • Rate available with Personal Checking
    • Up to 5 year term
    • New & used vehicles.
    • New purchase or refinancing

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Auto Loans

FixedNew/Used Auto5 Years5.99%
FixedNew/Used Auto6 Years7.25%
FixedNew/Used Auto7 Years7.99%
FixedNew/Used Auto8 Years9.75%
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Loan Calculator



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.

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 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.

Getting Started with Your Utah Auto Loan is Simple:

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.

Ready to Get Started?

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.

Drive into the Future with Utah First at Your Side!

At Utah First, 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!

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for your Auto, Boat, ATV or RV loan.