Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 31–45 of 48 in Utah · median 4.99% APR
- 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 5.24% APR. Terms up to 84 months for new and used vehicles. Rate match may not be combined with 0.50% rate discount for Dream Auto loans; requires Dream Rewards Checking and automatic payments or Home Banking and E-Statements.
Auto loan score 79 · Carrot Score 98
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 as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.25% discount for automatic payment. Rate adjustment will be made for credit score, certain loan amounts, age of collateral, and loan-to-value. Processing fee may increase the APR.
Auto loan score 73 · Carrot Score 87
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 - 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 MyStyle Checking. Actual APR based on creditworthiness. 60 monthly payments of $18.98 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 18.00%with conditions
5.25% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 60 months across Credit Grades A+ through E (FICO 730+ down to <549). Rate includes 0.25% loan rate discount with Personal Checking. 2022 and newer vehicles qualify for lowest promotional rate. Direct vehicle loans only on approved credit.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
As low as APR. Accurate as of date specified on page. Not all customers will qualify for the lowest APR.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 18.00%
5.49% APR, up to 18.00%
Terms
Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600.
Auto loan score 70 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
New Auto - 60 month term. Year of vehicle 2022-2024. Rate type Fixed.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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