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Fast Pre-Approvals so You Can Buy a Car With Confidence

Happy woman drives pre-approved vehicle from University Credit Union

University 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.


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Auto Loan Financing for Your New 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 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 University 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.

Benefits of Getting an New or Used Auto Loan Pre-Approval from UCU

  • Know your buying potential before you shop
  • More negotiation power with dealerships 
  • Easy application and competitive auto loan rates
  • Exceptional loan servicing throughout the life of your auto loan

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**. 

Benefits of Refinancing Your Auto Loan with UCU

  • Secure the lowest auto loan rates so you can pay off your loan faster
  • Reduce your payment and save money while paying off your car loan
  • Choose new terms that benefit your lifestyle

University Credit Union makes it easy for you to get the best available auto loans. With UCU, you can get low auto loan rates in Utah, better prices, and shop with confidence.

Call 801-481-8800 to learn more, or apply today for an auto loan pre-approval.

apply FOR AN AUTO LOAN  find your car current rates

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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.