Looking For An Auto Loan In Utah During March 2020?
Getting the best deal on car finance in Utah can save you a significant amount of money over the life of your loan. That’s why you need a partner who knows how to get you approved for the car that you want at the lowest auto loan interest rate possible and without hassle.
There has never been a better time to get an auto loan than right now. Our network of lender partners provides quick and easy loan decisions for all credit situations. Our lender partners are making more loans, approving buyers with lower credit scores, offering lower monthly payments and making larger loans than ever before.
By working with us, you can get preapproved for a car loan before going to the dealership, so that you can negotiate as a cash buyer and get the best deal possible.
So, no matter what your credit situation, if you are looking for a quick, no-hassle auto loan at the best rate, just click the button below to get the process started. Our application form is simple and easy to use.
We Can Get You Financed Despite Any Special Circumstances
You need a new car and we are here to help you get it!
Your chances of obtaining vehicle financing are very good. Via our network of dealer and lender partners, we have many options available to get you financed. Difficult circumstances are our specialty and we have seen nearly every situation possible.
We have helped…
Car buyers get their first car
Car buyers with a past repossession
Car buyers with a past bankruptcy
Car buyers who are paid in cash
Car buyers who are self-employed
Car buyers who receive social security benefits
Car buyers who are on disability
Car buyers who are retired
Car buyers with no money to put down
Car buyers with a trade-in vehicle
Apply today and let us start helping you get that new car that you need!
Watch Our Video On Getting A Car Loan In Utah
AllCreditCarLoans Follows A Simple 1-2-3 Auto Loan Application Process
No need to wait for hours at a dealership or submit reams of paperwork. No need to worry about your gathering together your credit history. With our streamlined application process, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes. Our simple application is safe and secure, so you don’t have to worry about your information. There is no cost. Applying for your auto loan is totally FREE.
- 2 - RECEIVE YOUR CREDIT APPROVAL - Getting your loan approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day.
- 3 - CHOOSE YOUR VEHICLE - With our easy as 1-2-3 process, you can buy your vehicle on the same day that your loan is approved. Just visit your nearby auto dealership and negotiate like a cash buyer.
Your Car Financing Options
Your credit history and where you are buying your auto from will determine the kind of auto deal you can get.
Whether you are buying a new or used auto from a dealer; you need a program designed to help you get a vehicle loan despite some credit challenges; or you are looking to refinance your existing loan - we can help.
We provide a variety of auto loan options to suit your needs and credit situation:
- Utah New Car Loans
- Utah Used Car Loans
- Utah Auto Refinance Loans
- Utah Good and Fair Credit Car Loans
- Utah Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto finance companies like Capital One Auto Navigator, Carmax Finance, USAA Car Loans, Chase Auto, Wells Fargo Car Loans, Bank of America Auto Loans, Navy Federal Auto Loans, AAA Auto Loans, Key Bank Auto Loans, PNC BankAuto Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Auto Loans and State Farm Bank Auto Loans.
We also specialize in sub-prime auto loans including financing an auto after bankruptcy and helping borrowers to obtain a loan after an auto repossession.
If you are looking for an auto title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We've provided auto loans for first-time buyers, auto financing for college students and we are proud to have arranged military and veteran auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
AllCreditCarLoans works with the best buy here pay here car lots, bad credit car dealers, second chance car dealers and other lenders to provide the best interest rates.
You are never alone in this process. Our lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new vehicle. Click the button below to let us get started helping you today!
Auto Finance Calculator For Utah
Use the AllCreditCarLoans auto loan calculator to help determine how much you can afford to spend when financing or refinancing a car. You can run multiple scenarios varying the "number of months" and "down payment" values in order to get the monthly payments you are looking for.
We recommend that your total car expenses be no more than 20% of your after-tax pay.
What To Know Before You Apply For A Car Loan
Auto Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the vehicle you choose.
Auto Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms. We recommend keeping your loan term to 3 years for used cars and up to 5 years for new cars.
Auto Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer auto finance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car finance lenders and auto dealers to help you find the best auto loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
Car Loan Restrictions
Some lenders only work within a specific network of auto dealerships. This could limit your choice of vehicles to a handful of auto makes, models and vehicle types.
Some lenders will only work with car dealers so you won't be able to use them to buy a car from a private seller.
Steps To Get An Auto Loan
Shopping for an auto has never been easier. Our streamlined process and vast network of lending partners make getting a car loan quick and easy.
1 - Budget For Your Auto Purchase
The first step in obtaining auto financing is to figure out how much you can afford to spend.
If you have a car to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your auto's market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down-payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our vehicle finance calculator to estimate your monthly payment. You can vary the interest rate and loan term to see how that affects the potential monthly payment.
2 - Choose Whether You Want A New Or Used Vehicle
If you are looking to get the most value for your dollar, you will likely be better off financing a used car. For the best results, follow our used car recommendations.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, follow our new car recommendations.
3 - Apply For Your Loan
Click the button below and fill out our quick and easy application form to get started right away!
New Car Loans
New car loans are the most common type of auto financing. Beyond the traditional option of getting approved through a new car dealer, many consumers have found that they can save money and gain negotiating leverage by arranging their auto financing in advance.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower-priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Let us help you get preapproved for that new car loan and you will become a cash buyer. This saves you time at the dealership and gives you the power to negotiate your best deal on any car you choose. Apply for a new car loan in Utah and see how much we can save you.
Used Vehicle Loans
A used vehicle loan is our most commonly requested loan. By letting us help pre-arrange your funding source, you know that you'll have the power to negotiate the best deal. Apply for a used auto loan and see what type of rate & term you can get from our participating lenders.
Buying a used auto will typically provide the best value. That's because the prior owners have already absorbed the biggest portion of the car's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. We can help you with an auto loan to buy from a private seller.
If you choose to purchase a used auto, you can click here to view used cars near you in Utah.
Shopping For The Best Car Loan Rates In Utah?
Whether you are looking for the best auto loan interest rate for a new or used vehicle, or you want to refinance an auto loan, we can help.
With a lower interest rate, you'll save money and pay off your auto loan faster. The single most important thing you can do to save money on a car loan is to shop for the best loan rate before you set foot in a dealership. By knowing what kind of rate you qualify for before you try to buy a vehicle, you accomplish three things:
- You can focus your negotiations with the dealer on the vehicle price rather than on financing terms
- You'll know what range of car payments you can qualify for
- You won't end up getting a higher cost loan than you want
Use our auto loan calculator to determine what range of payments you can expect. You can enter your balance, term, and interest rate to calculate what the payment will be. You can compare different scenarios to see how much more you can save by increasing your down payment.
Average Auto Payment Interest Rates You Can Expect
|Credit Score Range||Average APR for a New Car||Average APR for a Used Car|
|781 - 850||3.68%||4.34%|
|661 - 780||4.56%||5.97%|
|601 - 660||7.52%||10.34%|
|501 - 600||11.89%||16.14%|
|300 - 500||14.41%||19.98%|
Why Getting Preapproved For A Vehicle Loan Is Important
Having a preapproved loan streamlines the buying process because you become a cash buyer and you can bypass the usual salesman's tactic of negotiating based on monthly payment. The problem with negotiating based on the monthly payment amount is that you can easily lose sight of the total cost and end up paying more.
As you negotiate your best deal, be sure to leave enough money to cover the sales tax and any additional fees. This way your total "out the door" cost does not exceed the maximum amount of your preapproved auto loan.
While you are at the dealership, the finance manager may try to beat the interest rate of your preapproved loan. Before accepting the dealer's loan, make sure that the interest rate is lower, all of the other terms are comparable, and the final total price is less. It's good to be cautious because there is always a risk that the finance manager could juggle the numbers in the dealership's favor and you could end up spending more money than you would with your preapproved car loan.
How Does Getting Preapproved For A Vehicle Loan Work?
Dealers usually offer vehicle financing through their preferred lenders, typically at a higher interest rate than available elsewhere. Getting preapproved directly with one of our lender partners helps you to negotiate the best interest rate before you even get to the car dealership so that you can save money in the long run.
When you start your auto buying process at a dealer, the salesmen will focus on the monthly payment, which makes it easy to forget about the actual price of the vehicle. But when you show up with a preapproved loan, negotiations can be based on the price instead.
How To Get Pre-Qualified For An Vehicle Loan
When you’re applying with AllCreditCarLoans, the application process is simple and quick. You should have the following information on-hand:
- Proof of income
- Driver’s license and Social Security number
- Employment verification
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan rates for your credit situation.
Utah (/ˈjuːtɑː/ YOO-tah, /ˈjuːtɔː/ (listen) YOO-taw) is a state in the western United States. It became the 45th state admitted to the U.S. on January 4, 1896. Utah is the 13th-largest by area, 30th-most-populous, and 11th-least-densely populated of the 50 United States. Utah has a population of more than 3 million according to the Census estimate for July 1, 2016. Urban development is mostly concentrated in two areas: the Wasatch Front in the north-central part of the state, which contains approximately 2.5 million people; and Washington County in Southern Utah, with over 160,000 residents. Utah is bordered by Colorado to the east, Wyoming to the northeast, Idaho to the north, Arizona to the south, and Nevada to the west. It also touches a corner of New Mexico in the southeast.
Utah is known for its natural diversity and is home to features ranging from arid deserts with sand dunes to thriving pine forests in mountain valleys. It is a rugged and geographically diverse state that is at the convergence of three distinct geological regions: the Rocky Mountains, the Great Basin, and the Colorado Plateau.
Utah is one of the Four Corners states, and is bordered by Idaho in the north, Wyoming in the north and east; by Colorado in the east; at a single point by New Mexico to the southeast; by Arizona in the south; and by Nevada in the west. It covers an area of 84,899 sq mi (219,890 km). The state is one of only three U.S. states (with Colorado and Wyoming) that have only lines of latitude and longitude for boundaries.
One of Utah’s defining characteristics is the variety of its terrain. Running down the middle of the state’s northern third is the Wasatch Range, which rises to heights of almost 12,000 ft (3,700 m) above sea level. Utah is home to world-renowned ski resorts, made popular by the light, fluffy snow, and winter storms which regularly dump 1 to 3 feet of overnight snow accumulation. In the state’s northeastern section, running east to west, are the Uinta Mountains, which rise to heights of over 13,000 feet (4,000 m). The highest point in the state, Kings Peak, at 13,528 feet (4,123 m), lies within the Uinta Mountains.
At the western base of the Wasatch Range is the Wasatch Front, a series of valleys and basins that are home to the most populous parts of the state. It stretches approximately from Brigham City at the north end to Nephi at the south end. Approximately 75 percent of the state’s population lives in this corridor, and population growth is rapid.
Western Utah is mostly arid desert with a basin and range topography. Small mountain ranges and rugged terrain punctuate the landscape. The Bonneville Salt Flats are an exception, being comparatively flat as a result of once forming the bed of ancient Lake Bonneville. Great Salt Lake, Utah Lake, Sevier Lake, and Rush Lake are all remnants of this ancient freshwater lake, which once covered most of the eastern Great Basin. West of the Great Salt Lake, stretching to the Nevada border, lies the arid Great Salt Lake Desert. One exception to this aridity is Snake Valley, which is (relatively) lush due to large springs and wetlands fed from groundwater derived from snow melt in the Snake Range, Deep Creek Range, and other tall mountains to the west of Snake Valley. Great Basin National Park is just over the Nevada state line in the southern Snake Range. One of western Utah’s most impressive, but least visited attractions is Notch Peak, the tallest limestone cliff in North America, located west of Delta.
Much of the scenic southern and southeastern landscape (specifically the Colorado Plateau region) is sandstone, specifically Kayenta sandstone and Navajo sandstone. The Colorado River and its tributaries wind their way through the sandstone, creating some of the world’s most striking and wild terrain (the area around the confluence of the Colorado and Green Rivers was the last to be mapped in the lower 48 United States). Wind and rain have also sculpted the soft sandstone over millions of years. Canyons, gullies, arches, pinnacles, buttes, bluffs, and mesas are the common sight throughout south-central and southeast Utah.
This terrain is the central feature of protected state and federal parks such as Arches, Bryce Canyon, Canyonlands, Capitol Reef, and Zion national parks, Cedar Breaks, Grand Staircase-Escalante, Hovenweep, and Natural Bridges national monuments, Glen Canyon National Recreation Area (site of the popular tourist destination, Lake Powell), Dead Horse Point and Goblin Valley state parks, and Monument Valley. The Navajo Nation also extends into southeastern Utah. Southeastern Utah is also punctuated by the remote, but lofty La Sal, Abajo, and Henry mountain ranges.
Eastern (northern quarter) Utah is a high-elevation area covered mostly by plateaus and basins, particularly the Tavaputs Plateau and San Rafael Swell, which remain mostly inaccessible, and the Uinta Basin, where the majority of eastern Utah’s population lives. Economies are dominated by mining, oil shale, oil, and natural gas-drilling, ranching, and recreation. Much of eastern Utah is part of the Uintah and Ouray Indian Reservation. The most popular destination within northeastern Utah is Dinosaur National Monument near Vernal.
Southwestern Utah is the lowest and hottest spot in Utah. It is known as Utah’s Dixie because early settlers were able to grow some cotton there. Beaverdam Wash in far southwestern Utah is the lowest point in the state, at 2,000 feet (610 m). The northernmost portion of the Mojave Desert is also located in this area. Dixie is quickly becoming a popular recreational and retirement destination, and the population is growing rapidly. Although the Wasatch Mountains end at Mount Nebo near Nephi, a complex series of mountain ranges extends south from the southern end of the range down the spine of Utah. Just north of Dixie and east of Cedar City is the state’s highest ski resort, Brian Head.
Like most of the western and southwestern states, the federal government owns much of the land in Utah. Over 70 percent of the land is either BLM land, Utah State Trustland, or U.S. National Forest, U.S. National Park, U.S. National Monument, National Recreation Area or U.S. Wilderness Area. Utah is the only state where every county contains some national forest.
The United States Census Bureau estimates that the population of Utah was 3,161,105 on July 1, 2018, an 14.37% increase since the 2010 United States Census. The center of population of Utah is located in Utah County in the city of Lehi. Much of the population lives in cities and towns along the Wasatch Front, a metropolitan region that runs north–south with the Wasatch Mountains rising on the eastern side. Growth outside the Wasatch Front is also increasing. The St. George metropolitan area is currently the second fastest-growing in the country after the Las Vegas metropolitan area, while the Heber micropolitan area is also the second fastest-growing in the country (behind Palm Coast, Florida).
Utah contains five metropolitan areas (Logan, Ogden-Clearfield, Salt Lake City, Provo-Orem, and St. George), and 6 micropolitan areas (Brigham City, Heber, Vernal, Price, Richfield, and Cedar City).
Utah ranks among the highest in total fertility rate, 47th in teenage pregnancy, lowest in percentage of births out of wedlock, lowest in number of abortions per capita, and lowest in percentage of teen pregnancies terminated in abortion. However, statistics relating to pregnancies and abortions may also be artificially low from teenagers going out of state for abortions because of parental notification requirements. Utah has the lowest child poverty rate in the country, despite its young demographics. According to the Gallup-Healthways Global Well-Being Index as of 2012, Utahns ranked fourth in overall well-being in the United States. A 2002 national prescription drug study determined that antidepressant drugs were “prescribed in Utah more often than in any other state, at a rate nearly twice the national average.” The data shows that depression rates in Utah are no higher than the national average.
At the 2010 Census, 86.1% of the population was non-Hispanic White, down from 93.8% in 1990, 1% non-Hispanic Black or African American, 1.2% non-Hispanic Native American and Alaska Native, 2% non-Hispanic Asian, 0.9% non-Hispanic Native Hawaiian and Other Pacific Islander, 0.1% from some other race (non-Hispanic) and 1.8% of two or more races (non-Hispanic). 13.0% of Utah’s population was of Hispanic, Latino, or Spanish origin (of any race).
The largest ancestry groups in the state are:
Most Utahns are of Northern European descent. In 2011 one-third of Utah’s workforce was reported to be bilingual, developed through a program of acquisition of second languages beginning in elementary school, and related to Mormonism’s missionary goals for its young people.
In 2011, 28.6% of Utah’s population younger than the age of one were ethnic minorities, meaning that they had at least one parent who was of a race other than non-Hispanic white.
A majority of the state’s residents are members of the LDS Church. As of 2012, 62.2% of Utahns are counted as members. Members of the LDS Church currently make up between 34%–41% of the population within Salt Lake City. However, many of the other major population centers such as Provo, Logan, Tooele, and St. George tend to be predominantly LDS, along with many suburban and rural areas. The LDS Church has the largest number of congregations, numbering 4,815 wards.
Though the LDS Church officially maintains a policy of neutrality in regard to political parties, the church’s doctrine has a strong regional influence on politics. Another doctrine effect can be seen in Utah’s high birth rate (25 percent higher than the national average; the highest for a state in the U.S.). The Mormons in Utah tend to have conservative views when it comes to most political issues and the majority of voter-age Utahns are unaffiliated voters (60%) who vote overwhelmingly Republican. Mitt Romney received 72.8% of the Utahn votes in 2012, while John McCain polled 62.5% in the 2008 United States presidential election and 70.9% for George W. Bush in 2004. In 2010 the Association of Religion Data Archives (ARDA) reported that the three largest denominational groups in Utah are the LDS Church with 1,910,504 adherents; the Catholic Church with 160,125 adherents, and the Southern Baptist Convention with 12,593 adherents. There is a small but growing Jewish presence in the state.
According to results from the 2010 United States Census, combined with official LDS Church membership statistics, church members represented 62.1% of Utah’s total population. The Utah county with the lowest percentage of church members was Grand County, at 26.5%, while the county with the highest percentage was Morgan County, at 86.1%. In addition, the result for the most populated county, Salt Lake County, was 51.4%.
According to a Gallup poll, Utah had the 3rd-highest number of people reporting as “Very Religious” in 2015, at 55% (trailing only Mississippi and Alabama). However, it was near the national average of people reporting as “Nonreligious” (31%), and featured the smallest percentage of people reporting as “Moderately Religious” (15%) of any state, being 8 points lower than 2nd-lowest state Vermont. In addition, it had the highest average weekly church attendance of any state, at 51%.
The official language in the state of Utah is English. Utah English is primarily a merger of Northern and Midland American dialects carried west by LDS Church members, whose original New York dialect later incorporated features from southern Ohio and central Illinois. Conspicuous in the speech of some in the central valley, although less frequent now in Salt Lake City, is a reversal of vowels, so that ‘farm’ and ‘barn’ sound like ‘form’ and ‘born’ and, conversely, ‘form’ and ‘born’ sound like ‘farm’ and ‘barn’.
In 2000, 87.5% of all state residents five years of age or older spoke only English at home, a decrease from 92.2% in 1990.
Utah has the highest total birth rate and accordingly, the youngest population of any U.S. state. In 2010, the state’s population was 50.2% male and 49.8% female. The life expectancy is 79.3 years.
Zip Code Map
Utah neighborhoods include: Alpine, Altamont, American Fork, Aneth, Apple Valley, Ballard, Beaver, Beryl, Bingham Canyon, Blanding, Bluebell, Bountiful, Brian Head, Brigham City, Brighton, Cedar City, Cedar Valley, Centerville, Central, Clearfield, Coalville, Collinston, Corinne, Dammeron Valley, Deweyville, Draper, Duchesne, Dugway, Dutch John, Eagle Mountain, East Carbon, Eden, Farmington, Ferron, Fielding, Fort Duchesne, Fruitland, Garden City, Garland, Genola, Grantsville, Green River, Greenville, Grouse Creek, Hanna, Heber City, Helper, Herriman, Hideout, Highland, Hill Afb, Honeyville, Hooper, Huntington, Huntsville, Hurricane, Ivins, Jensen, Kamas, Kaysville, Lapoint, La Verkin, Layton, Lehi, Lindon, Logan, Magna, Manila, Mantua, Mapleton, Midvale, Midway, Milford, Moab, Modena, Monticello, Morgan, Mountain Home, Myton, Neola, Nephi, Newcastle, New Harmony, North Salt Lake, Ogden, Orem, Paragonah, Park City, Park Valley, Parowan, Payson, Peoa, Pine Valley, Pleasant Grove, Plymouth, Portage, Price, Provo, Randlett, Riverton, Roosevelt, Roy, Rush Valley, Saint George, Salem, Salt Lake City, Sandy, Santa Clara, Santaquin, Saratoga Springs, Snowville, South Jordan, Spanish Fork, Springville, Stockton, Summit, Sundance, Syracuse, Tabiona, Talmage, Terra, Thompson, Tooele, Tremonton, Tridell, Vernal, Vernon, Veyo, Vineyard, Wallsburg, Washington, Wellington, Wendover, West Bountiful, West Haven, West Jordan, West Valley City, Whiterocks, Willard, Woodland Hills, Woodruff, Woods Cross
For more information, see Utah wiki