Utah First is all about helping you stay driven toward your goals, which is why our July auto loan promo is back at 3.50% — our biggest rate drop in years! As rates go up, we’re bringing things back down to help Utahns keep saying yes to summer.
Whether you’re dropping kids off at soccer practice, hauling gear to the lake, road tripping it up with your four-legged bestie, or just driving to work, we’re making car ownership a little more affordable with competitive rates, boutique auto loans tailored to your life, and judgment-free approvals for all credit types.
July won’t last forever, so lock in our sweet 3.50% rate, lower your payment, and stay driven all summer long with a Utah First auto loan!
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 | 3.50% |
| Fixed | New/Used Auto | 6 Years | 4.00% |
| 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 3.50 Annual Percentage Rate (APR) auto loans offered for members with a Personal Checking account for new and used vehicles on approved credit for up to 5 years. 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. 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!
The car, the rate, and the summer are all waiting — and Utah First is here to keep you moving. Apply online in minutes and get pre-approved fast. New, used, or refinance, we’ve got your back with affordable rates, no matter where you’re starting from!
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.