Whether you take the high road or the low road

Apply for a low-rate auto loan with Deseret First

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Get Cash on New and Refinanced Autos!

1% Bonus Cash, car icon
  • Get 1% cash back in your pocket on the value of your loan**
  • Interest rates as low as 3.99% APR*
  • NO-COST refinances

Save money with the 1 % cash back, low auto payments, and no-cost refinance. There isn’t a better deal out there! We understand you’re ready to save, start today. Whether you have a new car or want to refinance, get 1% cash back with a DFCU auto loan today!

Apply Online Today

Limited Time Offer

*Rates stated as Annual Percentage Rate. Membership and Eligibility required. Terms and conditions apply. OAC.

**DFCU loans are not eligibile for promotion.

Dream It. Drive It.

Everyone has a dream car — and when you choose Deseret First for your car loan, you’ll save money while achieving your vision.

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Let us help you buy your dream car! You can get pre-approved by applying online. Similarly, if you plan on financing at the dealership, ask for DFCU financing.

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Unhappy with your current lender? Surprise financing at the dealer? No problem! Bring your loan over to DFCU— it’s quick and easy.

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Title Loans

Have an unexpected life event? Let the equity in your vehicle work for you. We’ll get you taken care of with our smooth, simple process!

Apply online today, call 801-456-7590 or visit any of our branch locations.

Start Your Application
Current Auto Loan Rates
Loan Term LengthAPR*
48 Months3.89%
60 Months3.99%
72 Months4.24%
84 Months4.99%

*APR = Annual Percentage Rate. The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC. Find additional products and rates listed here.

Is my car payment affordable?

Find a car payment to fit your budget with our auto loan calculator!

The information provided in this loan calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed. The monthly payment illustrated above refers to the first, initial payment; for the interest and principal will change each month over the time of the loan. There may be other costs associated with obtaining a loan not included here. The figures shown are hypothetical and may not apply to your individual situation. This calculator does not pre-qualify you for any loan program. You should always consult a qualified professional for financial advice.

Partner Pages

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AutoSmart Search

Shop, customize, research, and finance all in one spot! Our auto search tool takes the stress out of car buying. Buy with confidence when you use the Price Analysis and Plus Dealers options.

Find cars for sale ›
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Deseret Insurance Agency

Before you get on the road, you need to make sure your new investment is covered! Did you know you can save more by bundling your home, auto, RV, or other insurance? That’s right! Know you’re protected with DIA.

Insurance Details ›

Loan Requirements

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To qualify, you’ll need:

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 directly with a representative, call 801-456-7590 or 800-326-3328. Available weekdays: 8am-7pm, Sat: 9am-2pm. Additionally, you may visit any Deseret First Branch.

Rates so low you’ll want to take the scenic route.

Let’s Hit The Road