If you’ve been watching car payments eat up more of your paycheck lately, here’s some actually good news: Utah First Credit Union just launched a July special that brings auto loan rates down to 3.50% APR.
Yes, really.
This isn’t one of those “rates starting at” situations where only unicorns with perfect credit qualify. The limited-time offer runs through the end of July and covers new cars, used vehicles, and even refinancing that not-so-great loan you got somewhere else. For those have been putting off a car purchase or stuck paying sky-high interest, this might be your window.
Why This Matters Right Now
“We know a lot of families are paying more for just about everything right now. If we can help someone lower a payment, save on interest, or free up a little room in their budget, that’s meaningful,” said Darin Moody, CEO of Utah First Credit Union. “We want members to enjoy a sweeter summer without the stress.”
And let’s be honest—when everything from groceries to gas feels like it costs twice what it did a few years ago, shaving a few percentage points off a car loan actually moves the needle on your monthly budget.
What Makes Utah First Different
Here’s what you get when you work with Utah First on an auto loan:
- Financing for all credit types — not just the people with pristine credit scores
- New, used, and refinance options — whatever your situation calls for
- Easy online application — no need to carve out half your Saturday
- Local approvals — actual Utah-based humans reviewing your application, not an algorithm in a distant server farm
Bonus: Triple Rewards on Gas and Charging
There’s another perk running right now. Through August 31, 2026, anyone with a Utah First debit card or Orange Platinum Visa earns triple Orange Rewards points on gas and EV charging purchases. Stack that with your new lower car payment, and summer road trips just got a lot more affordable.
Related:
Utah First Credit Union Scores Another Win as One of Utah’s Best Companies to Work For in 2023
Utah First Credit Union Announces 4.99% Auto Loan Rate for Limited Time