Doing Things Differently
America First Credit Union is a different kind of financial institution, providing trusted services that make it one of the leading auto loan providers in the country. We offer fast auto financing in Utah, Nevada, Arizona, Idaho, and New Mexico. Apply online, stop by one of our local branches, or call 1-800-999-3961 to get started.
The rates below are for Utah. Click one of the following links to see rates for Arizona, Nevada and New Mexico.
| * 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 Thursday, April 02, 2026. |
Loan Calculator
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
New Auto Loans
If you’re ready to drive that shiny new vehicle, this will be the best place to start.
- Get pre-approved before you even set foot in a dealership.
- Know your buying power so you can weigh your options.
- Benefit from competitive, fixed, and variable auto loan rates.
- Enjoy the best in member service, where people come before profit.
Used Auto Loans
A pre-owned vehicle is a great way to save money in the long run. If used is your preferred option, start here.
- Instant online approvals
- Flexible rate and term options
- Rates as low as new car rates
Auto Refinance Loans
Ready to refinance an auto loan? We have the tools to bring your monthly payment down to a more manageable amount.
- Save money while paying off your loan.
- Select a flexible term that fits your needs.
- Lower your existing payment and rate.
Declining Rate Auto Loans
With this vehicle lending program, your interest rate will decrease with each on-time payment.
- Offered exclusively online and at America First branches
- Available with a 60-month term
- Your interest rate decreases with every on-time payment
Declining Rate Auto loan Calculator
Put Your Savings into Gear
America First Credit Union is among the top auto lenders in the Intermountain West. With our low interest rates, helpful staff, and convenient locations, experience the difference for yourself.
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We're Here to Help You
At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.