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Utah · Headquarters Utah
Live or work in Utah and other America First service areas, or qualify through association membership
AZ, NV, and NM have separate rate sheets
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
5.49%and upNew60 months
UT · AZ, NV, and NM have separate rate sheetsChecked Nov 10, 2026
Utah/other states PDF effective November 1, 2026. '60-MONTH DECLINING RATE AUTO' fixed APR 5.49%-18.00%. New vs used not specified; listed under new because a separate vehicle starting rate already covers the general product. Not the same as the standard VEHICLE 5.24% starting rate.
Checked Nov 10, 2026Source americafirst.com
5.24%and upNewTerm not listed
UT · AZ, NV, and NM have separate rate sheetsChecked Nov 10, 2026
Utah/other states loan-rates PDF effective November 1, 2026 (excludes AZ, NV, and NM, which have separate sheets). 'VEHICLE' fixed APR 5.24%-18.00%. Term and new vs used were not broken out on this sheet, so the same starting APR is listed once for new and once for used. APRs based on approved credit and may be higher.
Checked Nov 10, 2026Source americafirst.com
5.24%and upUsedTerm not listed
UT · AZ, NV, and NM have separate rate sheetsChecked Nov 10, 2026
Utah/other states loan-rates PDF effective November 1, 2026. 'VEHICLE' fixed APR 5.24%-18.00%. Term and new vs used were not broken out; listed here as used with the same published vehicle starting APR.
Checked Nov 10, 2026Source americafirst.com