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Looking for the best Auto Loans in Utah? At Granite Credit Union, we offer highly competitive starting interest rates—but we don't stop there. Our unique Vanishing Rate Auto Loan rewards you with rate discounts for every 3 months of consecutive on-time payments, saving you significant money over the life of your Auto Loan.
You are automatically enrolled when you finance your car with Granite CU. No extra paperwork is needed! Simply make your monthly payments on time for 3 consecutive months, and your interest rate automatically drops by 0.05%. Because your base rate is fixed, it will never go up. If you happen to miss a payment, your rate stays exactly the same, and the 3-month clock just restarts. Keep making on-time payments and watch your interest rate vanish!
While other lenders and dealerships in Salt Lake might offer standard fixed-rate loans, Granite CU puts you in the driver's seat of your financial health. Traditional Auto Loans lock you into a single rate for 48 to 84 months. With our loan, your responsible financial habits actively reduce your APR, making it a smarter choice than standard dealership financing.
Borrow 100% or more of your vehicle's value
Apply easily online, by phone, or in person
Flexible terms up to 84 months
Earn rate discounts for on-time payments
Loan protection plans available
| Loan Term | APR* | Rate Type | Estimated monthly payment | Apply Today! |
|---|---|---|---|---|
| 48 months | Fixed | $23.02 per $1,000 borrowed | Auto Loan Application | |
| 60 months | Fixed | $18.87 per $1,000 borrowed | ||
| 72 months | Fixed | $16.10 per $1,000 borrowed | ||
| 84 months** | Fixed | $14.97 per $1,000 borrowed |
*APR is Annual Percentage Rate. Loans offered on approved credit, not all applicants will qualify. Rates and terms may vary based on credit profile and credit union services used. Rates and terms subject to change without notice. No down payment required. .05% discount earned for every 3 months of on-time payments and may be subject to a rate floor. Membership required. New money loans only. Other terms and conditions may apply, please ask for details.
**73+ month loans require a minimum loan amount of $20,000 or a vehicle two years old or newer.
Borrow 100% or more
Apply online, in branch, or phone
Flexible terms up to 84 months
Earn rate discounts for on-time payments
Loan protection plans available
Covers what the insurance doesn’t
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Coverage for unforseen repairs
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Payment relief when the unexpected happens
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Stress-free car buying
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