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In honor of Memorial Day, America First offices will be closed on Monday, May 30. Online & mobile banking, SpeechAccess™ and our ATMs will be available for your convenience. Please see our holiday schedule for a complete list of our closure dates.

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Getting Started is Easy

America First has low-rate financing options for your complete financial needs.

Get In Your Dream Car Today


You've done your research, and you know what vehicle you want to buy; now you need to find the best auto loan available. America First Credit Union members have access to some of the finest lending resources in town. With low interest percentages, affordable monthly payments and local service you can trust, we make it easy to maximize your buying power for your new or pre-owned car, truck or SUV.


At America First, we are a different kind of financial institution, providing trusted services that make us the leading Utah car loan provider. And we are now proud to offer excellent Nevada car loan options as well. Stop into one of our many local branches to learn more, apply online or call 1-800-999-3961.

New Auto Loans

  • Get preapproved before you even talk to a dealer.
  • Know your buying power before visiting the dealership.
  • Benefit from competitive fixed and variable auto loan rates.
  • Enjoy the best in member service, where people come before profit.

Used Auto Loans

  • Save money on the vehicle you already drive.
  • Instant online approvals.
  • Flexible rate and term options.
  • Used auto loan rates priced as low as new car rates.

Auto Refinance Loans

  • Save more money while paying off your loan.
  • Select a flexible term that fits your life.
  • Lower your existing payment and rate.
  • Make sure you have the best auto loan available.

Declining Rate Auto Loans

Imagine your interest rate falling each month as you make your vehicle payment. With our new vehicle lending program, your interest rate will decrease with each on-time payment. By financing the purchase of a new vehicle, or refinancing an existing auto car loan, members will save even more money each month. Simply submit your on-time payment and watch your interest rate fall.


Product Term APR* As Low As
Auto Loan 5 Years 2.99% Fixed
Auto Loan - Declining Rate Auto 5 Years 3.24% Fixed
Auto Loan - (Minimum Loan Amount of $30,000 Required) 8 Years 5.74% Fixed
Auto Loan 7 Years 3.99% Fixed
Auto Loan 6 Years 3.24% Fixed
* Annual percentage rate, on approved credit, subject to change. This APR is the lowest for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Wednesday, December 01, 2021.

Lower Your Car Payment

Get the car, truck, or SUV that you need with fast financing from America First. We’re offering our low-rate auto loans with no payments for *90 days. You can also refinance your existing vehicle loan to acquire a lower rate or payment.

*Terms, eligibility & conditions apply. To qualify, vehicle must be 2015 model or newer, and member must have a credit score greater than or equal to 760.

Auto Finance Plus Young Automotive Group

Get Five Years of Free Auto Care

When you choose America First financing at a Young Automotive Group dealership, you’ll receive five years* of free auto maintenance, including oil changes, tire rotations, multi-point vehicle inspections, wheel alignment checks, and a one-time key replacement.

Click here for details.

Experience a stress-free car shopping process from pre-approved funding to getting the keys in your hand

Monthly Payment

Drive your Lifestyle

America First Credit Union is among the top auto lenders throughout the Intermountain West. And our low rates are a great reason why.