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 16–30 of 48 in Utah · median 4.99% APR
- 4.95%APRas low as · up to 28.00%
4.95% APR, up to 28.00%
Terms
Credit score: 800+ to 599 or less
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 4.99%APRas low as
Terms
APR as low as stated rate for a 60-month term. Rate based on approved credit, creditworthiness, loan term, and collateral.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate for 60 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC.
Auto loan score 83 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle model years 2016-2026. No payment for 60 days.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2020 and Newer. 84k miles max. Approx payment $18.98 per $1,000.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $18.87 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
5 yrs (60 Month) Term. Rates disclosed are best rates on approved credit.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Autos New/Used 2016 - Newer (or 2015 o más nuevos)
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Vehicles. Vehicle model years 2017–2026. Rate is advertised as as-low-as with footnote noting actual rate may be higher based on individual circumstances. Stated rate does not include discount.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 71 · Carrot Score 84
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
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