Credit union · NCUA insured
Pacific Horizon Credit Union Auto Loan Rates
Top CarrotPacific Horizon Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Pacific Horizon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Provo, UT, where Pacific Horizon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pacific Horizon Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New and Used Auto Loans
Lowest rate
CUP Federal Credit Union
4.74%APR
- Terms
- 36–60 months
- Discount
- None included
2nd-lowest rate
Canyon View Credit Union
4.74%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Pacific Horizon Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pacific Horizon Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New and Used Auto Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Rate effective as of 02/24/2026. Loan rates are based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan |
| up to 72 months | 5.24% | Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan |
| up to 84 months | 5.49% | Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan |
| up to 60 months | 5.99% | Vehicle year: 2013 - 2016; Fixed APR; Rate based on creditworthiness and term of loan |
Who can join Pacific Horizon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Utah County who maintain a share account balance of $5.00.
Cost to join
- Members must maintain a share account balance of $5.00.
Membership information collected October 4, 2026.