Compare Bank & Credit Union Rates
Best auto loan rates in Utah
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 48 in Utah · median 4.99% APR
- 3.79%APRas low as
Auto loan score 97 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Minimum monthly payment is $18.34 per $1,000 for a 60 month term. Loans are subject to credit approval. Membership required. Based on eligibility.
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Year 2022 - 2027.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is 'As low as'.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as · up to 15.90%
4.60% APR, up to 15.90%
Terms
Fixed APR. Rate based on credit score.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Auto model years 2018-2023. Max term 60 months for loan amounts under $20,000; max term 72 months for loan amounts over $20,000 (rate adjusts for longer term).
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
On approved credit (oac). As low as rate. Stated for 3-5 year term.
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 87 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.74% fixed APR. Advertised rate includes a 0.25% rate discount for 2023 or newer vehicle with <=90% LTV. Loan terms are based on creditworthiness and subject to approval.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate. Estimated monthly payment of $18.87 per $1,000 borrowed. Includes a 0.25% discount for Spend Account and automatic payment. Rate reduces by 0.05% for every 3 months of on-time payments.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
On approved credit (OAC). Best rate available on new/used vehicle purchases and refinanced loans from other financial institutions. Rate includes 0.25% rate discount for active JCU reward checking accounts. Estimated monthly payment per $1,000 borrowed is approximately $18.75.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Utah
48 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.31%
- Banks, typical
- 6.16%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches