Credit Archives - Utah First Credit Union

Illustration of man and woman with credit score meter

Apr 20, 2026 / Credit

A real-talk guide to credit for every stage of life “Is my credit score good for my age?” It’s a super common financial question that rarely gets a straightforward answer. Credit scores aren’t graded on a curve by age, but age does bring experience — and experience tends to shape the way we use credit.…

Mar 19, 2026 / Credit

How Credit Card Interest Actually Works

Credit cards are incredibly convenient. They help you manage cash flow, handle emergencies, and even earn rewards. But there’s one part that often feels confusing: interest. If you’ve ever wondered why balances seem to grow faster than expected, you’re not alone. The good news is…

Jul 01, 2025 / Auto & RV

How Your Credit Score Drives Your Auto Loan Options

When you’re looking to get an auto loan, your credit score plays a big role in whether you qualify and what kind of terms you’ll get. Whether you’re eyeing a new ride or a used one, knowing how your credit score impacts your loan choices…

Jun 10, 2025 / Auto & RV

How Can I Improve My Credit Score to Get a Better Car Loan?

Your credit score plays a big role in securing an auto loan. It’s your ticket to better rates, lower payments, and long-term savings. But if your credit score isn’t sparkling, don’t sweat it! Not only can you get an auto loan no matter your credit…

May 07, 2025 / Auto & RV

How to Qualify for Auto Loans With Any Credit Type

If you’re trying to buy a car and worry about finding financing with your colorful credit, you’re not alone. It can be stressful when so many lenders are focused on credit scores. But at Utah First Credit Union, we get that life happens, and we…

Mar 19, 2025 / Auto & RV

What Kind of Credit Score Do I Need to Buy a Car?

Got a dream car in mind but aren’t sure what credit score you need to make it yours? Whether it’s your first ride or an upgrade, your credit score plays a role in your loan options — but don’t let that stress you out! No…

Feb 17, 2023 / Credit

How Revolving Credit Can Keep Your Financial Life In Balance

Revolving credit makes the financial world go ‘round. It can also help you keep your financial life in balance and prevent you from spinning circles as you try to recover from a family emergency or other unexpected expense. By giving you easy access to cash…

Jul 22, 2022 / Credit

How Does Revolving Credit Work?

Revolving credit makes the financial world go ‘round. It can also keep you from having to run circles in your financial life to apply and reapply for loans. Here is a brief overview of this revolutionary credit concept and some ways it can help you…

Jun 06, 2022 / Credit

Are You Creditworthy? (Cringe)

Creditworthiness. It just might be the cringiest word in the entire financial dictionary. At the very least, it evokes feelings of unfair financial judgment—separating the haves from the have-nots and generally making a certain percentage of the population feel less than stellar about their current…

May 09, 2022 / Credit

3 Financial Decisions that Follow You (And How to Successfully Start Over)

Everyone has a few financial regrets. No one is perfect with their money 100% of the time. But some financial faux pas are less forgiving than others. In fact, some can impact your credit for years to come and severely limit your financial flexibility. Here…