Auto Loans

Best Auto Loan in Salt Lake County

Find the Right Auto

Get the Right Loan!

When you live in the mountains, finding the right car to get you through our winters is a must. Finding a loan with the flexibility you need, at a fair interest rate and at a financial institution you can trust, is equally important.

At Granite, you’ll find low rates no matter your credit score.

Granite Auto Loan Benefits

  • Fair and competitive rates even if your credit isn’t perfect.
  • Flexible terms up to 84 months.
  • Finance up to 100%.
  • Pre-approvals to save you from the dealership hassle.
  • Apply online, in a branch or by phone.

Try our Vanishing Rate Auto Loan

Another great option is Granite’s Vanishing Rate Auto Loan. We introduced this, and it’s still the best product available. Here’s how it works:

  • Start with an already low fixed rate.
  • Make on-time payments.
  • Watch your interest rate disappear.

Your rate drops 0.25% after 6 on-time payments, and then another 0.10% for every 6 on-time payments after that. Keep it up and you’ll get the final 6 months of your loan with ZERO interest. Whether building or fixing your credit, Granite’s Vanishing Rate is the smart way to go!

Ask a loan officer if this is the best option for you.

Auto Loan Rates

Auto Loans

Loan Term
TypeAPR as low as
Effective Date - 08/01/2019TypeAPR as low as
60 MonthsFixed3.49%
72 MonthsFixed3.74%
84 MonthsFixed4.74%
60 MonthsVariable3.74%
72 MonthsVariable3.99%
84 MonthsVariable4.74%
60 Months - Vanishing3.74%
72 MonthsVanishing3.99%
84 MonthsVanishing4.99%
APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.

Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

On Variable Rate loans the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%.  Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.

Vanishing Loans are available on personal loans only (Not for business vehicles).

Find the Right Car for You!

Looking For a Car?

Utah Auto Dealerships

Granite Credit Union has a good relationship with most of Utah’s Auto Dealers. Before you go, use the “Find Your Car” tool to your left and find out how inexpensive automobiles are getting. Just kidding.

Let Us Make Sure You Got a Good Deal

Remember, if you shop at a local dealer, they can generally get your loan approved and send it directly to Granite Credit Union. If your dealer finances your car somewhere else, be sure to stop in, see a loan officer and make sure you got a good deal. In most cases, we’ll be happy to refinance your loan at a better rate with better terms.