Aug 08, 2025 / Uncategorized
Good news! If you’ve spotted the one (car, not soulmate) from a private seller, you can absolutely finance your purchase with an auto loan.
Auto loans aren’t just for dealerships! Banks and credit unions like Utah First offer financing that works just as well when you’re buying from an individual.
The process has a couple of extra steps, but nothing you can’t handle. With the right prep, you’ll be cruising away from that driveway sale with total confidence.
Lots of people assume auto loans are dealership-only deals. But nope! At Utah First Credit Union, you can use your loan whether you’re purchasing a vehicle from a dealership or a private seller. Same competitive rates and flexible terms, just with a few extra boxes to check.
Since lenders need to verify the car’s legitimacy and fair pricing, you’ll provide a little more paperwork — but the process is straightforward and worth it if you’ve found your dream car parked in someone else’s garage.
And if you’re debating whether to finance your car through a credit union or a dealership, credit unions almost always offer better rates, friendlier terms, and fewer surprises.
Using an auto loan to buy from a private seller gives you more flexibility — and usually more car for your money. Here’s why it can be a smart move:
Credit unions generally beat dealerships on rates. A lower rate gives you lower monthly payments and promises less interest eating away at your wallet, which feels pretty great when you’re filling the tank or grabbing takeout on the way home in your new ride.
Your credit situation and life are unique, so your loan shouldn’t be one-size-fits-all. Whether you want smaller payments stretched out or a shorter term to get it paid off quicker, we’ll help you tailor the loan to fit your life.
Walk in pre-approved, and you’re in the driver’s seat of the car-buying process (figuratively and, soon, literally). Knowing what you can spend keeps the price talks smooth and spares you from financing curveballs mid-deal.
Dealerships are pros at sneaking in extras like “documentation fees” and other mystery charges. With a private sale, what you see is what you pay, which keeps more money in your pocket.
Buying from a private seller opens up a whole new world of choices. Whether it’s a specific model, a well-loved commuter, or even a vintage gem, you’ll find options that dealerships just don’t carry.
Private sellers often know their cars inside and out. Maintenance records, quirks, road trip stories — you get the whole picture, which means fewer unknowns and more confidence in your purchase.
Ready to go the private seller route? Here’s how you can do it with an auto loan:
At Utah First, financing a private seller purchase is simple, affordable, and designed around you. You’ll get competitive rates, flexible terms, and fewer fees through a smooth, stress-free process. If you’ve got your eye on a car, we’ll help you make it official.
Apply for your auto loan today and take the first step toward your next vehicle. No dealership required!