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Auto Loans

Get to your next adventure faster with an auto loan from ACU!

Whether your dream ride is a sleek car, a durable truck, or a family SUV, we have exceptional loan officers and low-rate financing options to get you on the road as quickly as possible!

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Auto Loan Rates

Current as of

Credit Score

36 Months

48 Months

60 Months

72 Months

84 Months

720+

 6.25%* 6.40%* 6.50%* 6.75%* 7.60%* max LTV: 110%

or

7.75%* max LTV: 125%

700-719

 7.40%* 7.50%* 7.70%* 7.90%* 8.45%*

680-699

 8.30%* 8.40%* 8.55%* 8.70%* 9.45%*

660-679

 9.35%* 9.85%* 10.05%* 10.45%* 10.85%*

640-659

 11.50%* 11.50%* 11.75%* 12.05%* 13.05%*

620-639

 12.95%* 13.05%* 13.35%* 13.60%* 15.05%*

600-619

 14.15%* 14.35%* 14.60%* 15.35%* N/A

580-599

 16.70%* 16.90%* 17.05%* 17.35%* N/A

579 and below

 17.85%* 17.95%* 17.95%* 17.95%* N/A

Questions?

Give our loan experts a call at 801-399-9728 and then press 1.
Or you can schedule an appointment to meet with one of our loan officers either in-person or virtually!

Main Branch Lending Roy Branch Lending North Branch Lending

Loan Calculator

See what your payment could be!

Loan Amount
How much will your loan be? If you have a down payment, make sure to deduct that amount.
Months
How many months will it take to repay the loan?
Rate (APR*)
APR = Annual Percentage Rate.

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Features

1
No payment for 90 days
2
Fast, local loan decisions – 80% of loans are approved in 4 hours or less!
3
Rate discounts – Hybrid/electric get .10% off
Model years 2020-2023 get .20% off
4
New, used or refinanced – dealership and private sales!
5
Free CarFax report
6
Credit-Life/Disability Insurance available. This plan makes the member’s loan payments should they become disabled, deceased or unemployed.
7
GAP Advantage available. This plan covers the difference between what the insurance settlement and remaining loan balance. It may even provide $2,500 towards a new loan financed with us. In addition, GAP may pay the insurance deductible up to $1,000.

Apply Now

 

Highlights

How It Helps You

How It Works

Save Money  Saves Money

Competitive Rates

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

Peace of Mind  Peace of Mind

Additional protection is available through GAP Advantage and Payment Protection

Protect Your Purchase

GAP ADVANTAGE
This insurance plan covers any debt your car insurance company does not cover in the case of your vehicle being totaled or being stolen and un-recovered.

CREDIT/LIFE DISABILITY
This payment protection plan can pay off your loan in the event of death, or make payments on your behalf in the event of a disability.

Free CarFax Report

We want to help you make sure that the vehicle you are interested in buying doesn’t have any hidden issues, so we offer you free CarFax Reports. Just give any loan officer a call with the vehicle VIN and we’ll generate the report right away!

801-399-9728

Even More to Love

Check out these other great products and services from ACU!

CASH BACK VISA

Earn 1% cash back on all your purchases!

E-BRANCH SERVICES

Access your account online and on your phone!

Ready to Get Your Next Ride?

Get your application started. It only takes a few minutes!

Apply Now
*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, credit score, Loan to Value (LTV) ratio, and year/mileage of vehicle. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

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