Auto Loans

Competitive New & Used Auto Loan Rates in Utah

Finance your next new or used vehicle with Cyprus and know that you are getting the lowest car loan rates in Utah and personalized, local service. And with Cyprus Credit Union’s Dream Auto Loan Program, set up automatic payments from your Dream Rewards Checking account or enroll in our online Home Banking service to unlock great perks. 

 

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Why Finance Your Car with Cyprus Credit Union?

Apply for an auto loan with Cyprus Credit Union and secure low car loan rates in Utah. Whether you’re buying a new or used car, refinancing for a lower rate, or even need to shop around, we’re here to secure you the best deal and get you on the open road faster. See your monthly payment estimate or get preapproval today!

 

Auto Loan Financing & Refinancing for Utah Drivers

With Cyprus Credit Union, you’re getting a convenient, smooth application process and the local, personalized service you need to lock in your new car. Start your application with Cyprus CU today and unlock these great features:

  • Financing for new and used cars with terms up to 84 months
  • Stress-free buying with AutoSMART and PLUS dealerships for added transparency and confidence you’re getting the best deal
  • Online loan management through Home and Mobile Banking
  • Earn rewards points with on-time payments with a Dream Rewards Checking account
  • Loan protection resources including Guaranteed Asset Protection (GAP) Major Mechanical Protection (MMP)

 

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More Features & Benefits

  • Rate Reduction for On-Time Payments: Members with credit scores below 750 can reduce their interest rate after six months of timely payments. The reduced rate will reflect the rates at the time of purchase. Available with a Dream Rewards Checking account. To apply for the reduction, contact us after six months of on-time payments.

  • Rate Match Guarantee: If you find a lower rate at another Utah credit union for a similar product, we’ll match it. Certain conditions may apply. Available with a Dream Rewards Checking account. 

  • Low Rates: We provide some of the best auto loan rates in Utah to help you get a great deal on your vehicle.

  • Flexible Terms: Choose from convenient repayment terms suitable for both new and used vehicles.

  • Quick Approval: In most cases, funds are available the same day.

  • Convenient Options: Sign your loan documents from home and set up automatic payments for ultimate convenience.

Apply Today

  • Online:  Start your application here
  • By Phone: Call us at 801-260-7700
  • At the Dealership: Request Cyprus CU financing when purchasing your vehicle

 

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FAQs

How long does auto loan approval take?

While approval may depend on any number of factors. With Cyprus Credit Union, in many cases, you can get approved and access funds as soon as the same day.

Can I refinance my car loan?

Yes, you can refinance your car loan to get a lower rate. And with Cyprus Credit Union, you can potentially secure competitively low rates and even earn a rate reduction after six months of on-time payments.

Do I need a down payment?

While a down payment is not required, it’s recommended you put down at least 10-15% of the car’s value to boost your approval odds and secure more cost-effective loan terms. 

What do I need to apply for an auto loan?

While requirements may vary depending on loan type, typically, to apply for an auto loan, you need vehicle information, proof of income, valid identification, proof of residence, and proof of insurance.

Can I finance a private party vehicle purchase?

Yes, you can finance when purchasing a vehicle from a private party. Since you’re not going through a dealership, you work directly with the lender, and different documents and requirements may apply.

Current Car Loan Interest Rates in Utah 

Auto Loans

Apr As Low As 4.99%

RV Loans

Apr As Low As 7.74%
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*Membership eligibility required. Rate match may not be combined with the 0.50% rate discount for Dream Auto and RV loans. A Dream Rewards Checking account is required. Loans approved for rate match must have automatic monthly payments originating from the Dream Rewards Checking account or be enrolled in Home Banking and E-Statements. Other terms and conditions may apply. Please speak with a Cyprus lending representative for more information.

The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the Cyprus Credit Union web site.

The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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