Think before you text!Always review text messages from your financial institution for legitimacy before
responding. If you receive uninitiated text messages from UFirst, please call 801-481-8800 to
Tap to Pay with iPhone allows you to run your business
from anywhere with a few simple steps.*
How it Works
Open your UFirstmobile app on your iPhone and open Tap to Pay
Enter the payment amount
Your customer holds their card over the
contactless symbol on your iPhone, or holds their device near the top of your iPhone
to pay with digital wallets
When you see a “done” checkmark, the transaction is complete
*Ensure that you have
an internet or cellular connection and an iPhone. Requires iPhone Xs or later with iOS 15.5 or
With UFirst and Autobooks Tap to Pay with iPhone, you can streamline the financial operations of your
business. Start accepting payments with Tap to Pay now! Not using Autobooks for your business? Click here to learn more or contact our Business Relationship
team at 801-481-8812.
Yes. Tap to Pay on iPhone uses the built-in features of iPhone to keep your business and your
customer data private and secure. When a payment is processed, Apple does not store card numbers on
the device or on Apple servers, so you can rest assured knowing your business stays yours.
Customers can pay with contactless debit and credit cards (Visa, Mastercard, American Express,
Discover), as well as with Apple Pay and other digital wallets. Cards must display a contactless
symbol to make contactless payments.
Tap to Pay on iPhone requires iPhone XS or later running iOS 15.5 or later. Tap to Pay on iPhone is
only available in the U.S. Not available in the U.S. territories. Some contactless cards may not be
accepted. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
The credit score required to qualify for an auto loan is relative to the lender. On average, the borrower needs a score in the low 700s for a new car loan and mid-600s for a used car loan.
A borrower's credit history tells the lender whether or not they are high or low risk. When getting approved for an auto loan, most financial institutions will look at the borrower’s industry-specific auto FICO® Score3, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.
This credit score also determines the borrower’s interest rate on the loan. Typically, to get an interest rate between 0–2% on new car loans, the lender will require a credit score of 700 or higher. Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.
You can check your FICO® Score for free on our free mobile app, UFirst.
Refinancing your auto loan is a great and easy way to save money on your car payments and to lower the interest rate on your auto loan.
In order to refinance your auto loan, you’ll need to gather the right information and documents. All the necessary information would be the car mileage, VIN number, current car loan numbers, driver’s license, and income verification. After gathering this information, you can refinance your loan with the same lender or with a different financial institution.
After applying, the bank or credit union will check your credit history and let you know if you qualify for a lower interest rate. After approval, the bank or credit union will work with you to set your new loan term to a lower monthly car payment.