Same ride, better deal, happier wallet.
Refinancing your auto loan is the ultimate power move for your wallet,
especially when you do it with us. Here’s how we make things worth your while:
Refinancing can shrink your monthly payment without shrinking your freedom. Whether you’re saving for a family adventure or just trying to stay ahead of inflation, a smaller payment puts more room in your budget for the things that make life good.
Wondering how to refinance your car loan? When you work with us, it’s easier
than finding a place to park in Downtown Salt Lake City. Here’s your three-step cheat sheet:
When you partner with Utah First for auto loan refinancing, you get a better interest rate and a better experience. For 90 years and counting, we’ve helped Utah drivers lower their payments and stress less — saying “yes” when others don’t so you can enjoy the ride instead of worrying about your payments. As your local credit union, we combine financial smarts with warm, neighborly vibes, giving you straight answers, custom options, and a team that roots for you — whether you’re in Salt Lake traffic or Southern Utah sunshine.
It’s basically a trade-in for your loan. You keep your car but swap the old loan for one with a better interest rate, smaller payments, or terms that make more sense for you.
Savings vary based on balance, rate, and loan term, but most members see a nice bump in their monthly budget! Lower rate, lower payment, more money for things that aren’t your car loan.
You might see a tiny blip from the credit pull (emphasis on tiny), but it’s temporary — nothing to stress over. With lower payments and an on-time payment history, your score often ends up stronger than before!
Of course! We’re not here to judge your credit — we’re here to help fix it. Even if your credit’s a little colorful, we’ll help you explore options that make sense.
Not long! Most members complete their application online in minutes and get approved within a day or two. You’ll be saving before your next oil change.
Apply online (we made it easy on purpose) or drop by your local Utah First branch. Either way, you’ll be greeted by super-cool people and great rates.