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Fast pre-approvals so you can buy a car with confidence

UFirst Credit Union makes it easy for you to get the best auto loan rates in Utah. Whether you’re looking for a new car loan or to refinance your current vehicle for a better rate, we can help. Learn more about financing options below or apply today for an auto loan pre-approval.

Benefits of Getting a New or Used Auto Loan Pre-Approval from UFirst

  • Get pre-approved and know your buying potential before you shop
  • Know your negotiation power with dealerships before you show up
  • Easy application and competitive auto loan rates
  • Exceptional loan servicing throughout the life of your auto loan

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Apply online and get pre-approved fast!

Utah Auto Loan Financing for Your New or Used Car

Before you find the perfect car, it helps to have the perfect loan. We can help you get pre-approved for competitively low auto loan rates in Utah, so you can pursue your dream new or used car with more negotiation power at the dealership and greater confidence in your purchase.

We can also help you find the ideal car. When you’re approved for a UFirst Credit Union auto loan, we can help you choose from multiple car dealerships, review available vehicles (photos, specs and pricing), and estimate the value of your trade-in.

Refinancing Your Utah Auto Loan

If you already drive your dream car, you can refinance your auto loan to save money on your monthly payment. When you refinance an auto loan, UCU offers up to 100% financing* and terms up to 84 months**.

What will my monthly payment be?

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Auto Loan Frequently Asked Questions

What kind of credit score do you need to get a car loan?

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, UFirstCU.

How do I refinance a car loan?

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. 


Other Utah Auto Loan Resources 

Auto Loan Online Application

Utah Auto Loan Rates

Auto and RV Insurance

“How Much Car Can I Afford” Calculator

*Loans subject to credit approval. Amount approved for financing may require a down payment. For example a loan approved at 90% of value would require a down payment of 10%.
**Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 60 month auto loan at 2.64% for $10,000 would result in a monthly payment of approximately $178.10 and total interest charges of approximately $685.83. See current rates and terms.

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