Bank · FDIC insured
Bank of Utah Auto Loan Rates
Bank of Utah auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Bank of Utah’s auto loan rates compare
Compared with banks and credit unions near Ogden, UT, where Bank of Utah has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Bank of Utah
5.24%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Education First Credit Union
4.60%APR
- Terms
- up to 72 months
- Up to
- 15.90% APR
Bank of Utah auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bank of Utah ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Borrow up to 115% of the value of the car. Vehicles up to 15 years old. Buy from dealership or private seller. Minimum loan amount: $2,000. Terms may vary based on vehicle year and amount borrowed. Rates shown are based on approved credit and underwriting conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | As low as APR based on approved credit and underwriting conditions. Max term available 36 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000. |
| up to 60 months | 5.24% | As low as APR based on approved credit and underwriting conditions. Max term available 60 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000. |
| up to 72 months | 5.74% | As low as APR based on approved credit and underwriting conditions. Max term available 72 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000. |
| up to 84 months | 6.49% | Applies to loans $25,000 and over. As low as APR based on approved credit and underwriting conditions. Max term available 84 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000 (tier requires $25,000 and over). |
Sources (1)
- bankofutah.com/personal/consumer-loans/auto-loans · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.