Recently, the financial service industry has observed an increase in fraudulent attempts to access
an individual's account data through phishing. UFirst will never ask you for your account
credentials or PIN. If you receive a suspicious call, email or text message, please contact 801-481-8800. For more
information on protecting yourself from fraud, click here.
UFirst now offers support in real-time with an easy-to-use live chat feature!
Live chat works directly through our website so you never have to leave the page you’re viewing to ask
questions or speak with a UFirst agent. Just click the green icon in the bottom right-hand corner of your
screen and a Member Services Representative will be with you in seconds.
Because our chat feature is operated by real people, it’s accessible during regular business hours. If the
chat chat button does not appear, it’s because we do not have an available representative or because it’s
outside regular operating hours. Live chat is available from 9am - 5pm on Monday through
Now you can get expert help instantly! Chat with us any time you have questions.
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.