Compare Bank & Credit Union Rates
Best auto loan rates in Roy, UT
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 1–6 of 6 in Roy, UT · median 5.24% APR
- 4.99%APRas low as · up to 16.90%
4.99% APR, up to 16.90%
Terms
Lowest APR of 4.99% requires 720+ credit score; highest APR of 16.90% applies to credit score 579 and below. Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible).
Auto loan score 83 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
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.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
On Approved Credit (OAC). Best rate; actual rate depends on credit history, loan-to-value, and underwriting criteria.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking. Best rates available on new/used vehicle purchases and refinanced loans from other financial institutions; rate may be higher based on credit history, eligibility and underwriting criteria.
Auto loan score 73 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
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 Roy, UT
6 banks and credit unions · checked Oct 7–22
- Typical
- 5.24%
- Top 10% up to
- 5.12%
- Banks, typical
- 5.88%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ogden, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 28 branches
- Deseret First Credit UnionCredit union · 2 branches
- Cyprus Credit UnionCredit union · 2 branches