Whether purchasing a new car or refinancing an existing loan, Deseret First is the best choice for low rates and flexible terms to get you on the road.


  • Apply and sign 100% online, start to finish.
  • Financing available at over 300 dealerships, just ask for Deseret First.
  • Fast turnaround time.
  • Competitive interest rates.
  • Up to 125% financing.
  • No mileage or vehicle age restrictions. 
  • Options for those with limited credit history.


  • Membership and eligibility. 
  • Credit approval.
Term APR
48 Months 2.59%
60 Months 2.69%
72 Months 2.94%
84 Months 3.69%
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To get pre-approved, apply directly with Deseret First online, over the phone, or in a branch. If at the dealer tell them you want your loan with Deseret First. The dealer can help with Deseret First financing on the spot.
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-5:30 pm or visit a Deseret First Branch.
The annual percentage rates listed represent our best rates, OAC. Your individual rate may be higher based upon your creditworthiness. Payment Examples: For example, if you qualified for a 5 year loan at 2.69% you would have 60 monthly payments of $17.84 per $1,000.00 borrowed. As another example, if you qualified for a 7 year loan at 3.69% you would have 84 monthly payments of $13.53 per $1,000.00 borrowed.

visa credit cards that pay you

Deseret First has Visa Credit Card options that put money back in your wallet.
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our free mobile app is here

The Deseret First mobile app allows access to your accounts anytime, anywhere. Check balances, transfer funds, or deposit a check!
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