When you buy a car, you get to choose the trim, color, interior — all the little things that make it yours. So when it comes to the financing, why settle for one-size-fits-whoever?
At Utah First, boutique auto lending means we take a curated, concierge-style approach to the process with personalized approvals and terms that feel hand-fitted rather than handed down. We listen first, tailor second, and make sure your auto loan is perfectly crafted for your bold life. You bring the goals and ambitions, and we’ll match them with a loan that gets you where you’re going while building toward where you want to be.
Fitted and flexible, finally. That’s the Stay Orange way!
It takes more than a great rate to stay driven. You need the right support, too! Here’s everything that comes with a Utah First auto loan:
| Type | Product | Term | APR |
|---|---|---|---|
| Fixed | New/Used Auto | 5 Years | 4.99% |
| Fixed | New/Used Auto | 6 Years | 5.24% |
| Fixed | New/Used Auto | 7 Years | 5.99% |
| Fixed | New/Used Auto | 8 Years | 7.74% |
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APR = Annual Percentage Rate. All rates are subject to change without notice.
*Advertised APR includes 0.25% loan rate discount with Personal Checking.
Fixed 4.99 Annual Percentage Rate (APR) auto loans offered for members with an active Personal Checking account for new and used vehicles on approved credit for up to 5 years. Applies to purchases and refinancing. Does not apply to cash-out refinancing. 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. 2022 and newer vehicles qualify for the lowest promotional rate. Older model years may still receive a discounted promotional rate. 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.
1. Get Pre-Approved
Fill out our secure online application below to get pre-approved for an auto loan in minutes. You’ll know right away how much you can borrow and what kind of negotiating power you have with 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.
No matter what kind of auto loan you are looking for, Utah First is here to help. Need a new car or new-to-you car? We got you. Stuck with a high APR or less-than-ideal payments? We can help you refinance. Worried about your colorful credit score getting in the way of getting a new ride? We can help with that too!
Apply for pre-approval online and experience the boutique side of auto lending with fitted terms, fast approvals, and a rate you’ll love. Our application gets you rolling in minutes.
You can also reach out to chat with one of our friendly financial experts about your options. Call us at (800) 234-0729 or visit your nearest Utah First branch.
Your car goals deserve a loan that’s as personal as the milestones it helps you reach. Get an auto loan that supports, guides, and celebrates you at every step.
Stay driven. Stay Orange.