The MFP’s Community Auto Lender Survey gathers Utah’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Utah’s Car Drivers >>
Utah Best Car Loan Lenders
Salt Lake City, West Valley, West Jordan, Provo, St. George, Orem, Sandy, Lehi, Ogden, South Jordan, Online.
Utah Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Utah by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.60 | 4.62 | 4.67 | 91.5% |
| Community Banks | 4.32 | 4.41 | 4.42 | 86.3% |
| Online Lenders | 4.51 | 4.51 | 4.51 | 82.0% |
| Banks | 4.08 | 4.18 | 4.19 | 81.7% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 1,744 local Utah drivers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Utah Drivers:
Salt Lake City Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Salt Lake City’s area are Utah First Credit Union, Cyprus Credit Union and University Credit Union.
Utah First Credit Union(96% Recommend)
- Utah First Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong local member support.
Cyprus Credit Union(94% Recommend)
- Cyprus Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly branch service, clear communication, and helpful support through the vehicle-loan process.
University Credit Union(92% Recommend)
- University Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan support, and a positive local member experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Utah First Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Cyprus Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| University Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| America First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Deseret First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| American United Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Granite Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Bank of Utah | Community Bank | 4.3 | 4.3 | 4.4 | 85% |
| Central Bank | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
| Bank of America | Bank | 3.8 | 3.9 | 4.0 | 76% |
West Valley Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in West Valley’s area are Cyprus Credit Union, America First Credit Union and Mountain America Credit Union.
Cyprus Credit Union(95% Recommend)
- Cyprus Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful local employees, easy auto-loan service, and strong member support.
America First Credit Union(93% Recommend)
- America First Credit Union ranks second with 93% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.7.
- Reviews commonly mention convenient branch service, clear communication, and helpful support through the vehicle-loan process.
Mountain America Credit Union(91% Recommend)
- Mountain America Credit Union ranks third with 91% Recommend, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, smooth loan handling, and reliable local borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Cyprus Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Granite Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
West Jordan Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in West Jordan’s area are Cyprus Credit Union, Mountain America Credit Union and America First Credit Union.
Cyprus Credit Union(95% Recommend)
- Cyprus Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong local member support.
Mountain America Credit Union(93% Recommend)
- Mountain America Credit Union ranks second with 93% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention responsive branch service, clear communication, and helpful support through the vehicle-loan process.
America First Credit Union(92% Recommend)
- America First Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to convenient local service, smooth loan handling, and reliable borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Cyprus Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Granite Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Provo Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Provo’s area are Utah Community Credit Union, Mountain America Credit Union and America First Credit Union.
Utah Community Credit Union(96% Recommend)
- Utah Community Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong local member support.
Mountain America Credit Union(94% Recommend)
- Mountain America Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention responsive branch service, clear communication, and helpful support through the vehicle-loan process.
America First Credit Union(92% Recommend)
- America First Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to convenient local service, smooth loan handling, and reliable borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Utah Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Deseret First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| University Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Central Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
St. George Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in St. George’s area are Mountain America Credit Union, America First Credit Union and Chartway Credit Union.
Mountain America Credit Union(95% Recommend)
- Mountain America Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, smooth auto-loan service, and strong local member support.
America First Credit Union(93% Recommend)
- America First Credit Union ranks second with 93% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.7.
- Reviews commonly mention convenient branch service, clear communication, and helpful support through the vehicle-loan process.
Chartway Credit Union(91% Recommend)
- Chartway Credit Union ranks third with 91% Recommend, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, friendly local service, and reliable borrower support during financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Chartway Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| State Bank of Southern Utah | Community Bank | 4.5 | 4.5 | 4.6 | 89% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
Orem Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Orem’s area are Utah Community Credit Union, Mountain America Credit Union and America First Credit Union.
Utah Community Credit Union(96% Recommend)
- Utah Community Credit Union ranks highest with 96% Recommend, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong local member support.
Mountain America Credit Union(94% Recommend)
- Mountain America Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention responsive branch service, clear communication, and helpful support through the vehicle-loan process.
America First Credit Union(92% Recommend)
- America First Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to convenient local service, smooth loan handling, and reliable borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Utah Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Deseret First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| University Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Central Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
Sandy Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Sandy’s area are Cyprus Credit Union, Mountain America Credit Union and America First Credit Union.
Cyprus Credit Union(95% Recommend)
- Cyprus Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, easy auto-loan service, and strong local member support.
Mountain America Credit Union(94% Recommend)
- Mountain America Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention responsive branch service, clear communication, and helpful support through the vehicle-loan process.
America First Credit Union(92% Recommend)
- America First Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to convenient local service, smooth loan handling, and reliable borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Cyprus Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Granite Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Bank of Utah | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
Lehi Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Lehi’s area are Mountain America Credit Union, America First Credit Union and Utah Community Credit Union.
Mountain America Credit Union(95% Recommend)
- Mountain America Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, smooth auto-loan service, and strong local member support.
America First Credit Union(93% Recommend)
- America First Credit Union ranks second with 93% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.7.
- Reviews commonly mention convenient branch service, clear communication, and helpful support through the vehicle-loan process.
Utah Community Credit Union(92% Recommend)
- Utah Community Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan handling, and reliable local borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Utah Community Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Cyprus Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Deseret First Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| University Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Central Bank | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
Ogden Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Ogden’s area are America First Credit Union, Goldenwest Credit Union and Mountain America Credit Union.
America First Credit Union(95% Recommend)
- America First Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about convenient branch service, smooth auto-loan handling, and helpful local employees.
Goldenwest Credit Union(94% Recommend)
- Goldenwest Credit Union ranks second with 94% Recommend and matches the top 3’s highest Speedy Quote & Decision score at 4.8.
- Reviews commonly mention friendly staff, clear communication, and helpful support through the vehicle-loan process.
Mountain America Credit Union(92% Recommend)
- Mountain America Credit Union ranks third with 92% Recommend, 4.6 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan handling, and reliable local borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| America First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Goldenwest Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Wasatch Peaks Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Utah First Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Cyprus Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
South Jordan Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in South Jordan’s area are Mountain America Credit Union, America First Credit Union and Cyprus Credit Union.
Mountain America Credit Union(95% Recommend)
- Mountain America Credit Union ranks highest with 95% Recommend, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Speedy Quote & Decision.
- Reviews support the ranking with frequent positive feedback about helpful employees, smooth auto-loan service, and strong local member support.
America First Credit Union(93% Recommend)
- America First Credit Union ranks second with 93% Recommend and matches the top 3’s highest Loan Terms & Rate Satisfaction score at 4.7.
- Reviews commonly mention convenient branch service, clear communication, and helpful support through the vehicle-loan process.
Cyprus Credit Union(91% Recommend)
- Cyprus Credit Union ranks third with 91% Recommend, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Speedy Quote & Decision.
- Reviews point to responsive employees, straightforward loan handling, and reliable local borrower support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Cyprus Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Granite Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Zions Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Bank of Utah | Community Bank | 4.2 | 4.3 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.2 | 82% |
| Wells Fargo Bank | Bank | 4.0 | 4.1 | 4.1 | 80% |
Utah Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Utah’s area are America First Credit Union, Mountain America Credit Union and UCCU.
America First Credit Union (91% Recommend)
- America First Credit Union ranks first with a 4.9 Easy Application rating, 4.9 Loan Terms & Rate Satisfaction rating, and 4.8 Speedy Quote & Decision rating, tying the highest Loan Terms score among the top 3.
- Customer feedback points to strong Utah borrower satisfaction, broad auto-financing availability, and a clear online purchase-loan path.
Mountain America Credit Union (90% Recommend)
- Mountain America Credit Union ranks second with a 4.9 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating, and 4.9 Speedy Quote & Decision rating, giving it the highest Speedy Quote & Decision score among the top 3.
- Customer feedback supports fast online applications, competitive auto-loan terms, and strong Utah-specific lending relevance.
UCCU (89% Recommend)
- UCCU ranks third with a 4.8 Easy Application rating, 4.9 Loan Terms & Rate Satisfaction rating, and 4.7 Speedy Quote & Decision rating, tying America First Credit Union on Loan Terms.
- Customer feedback points to helpful auto-buying support, strong purchase-loan guidance, and a simple Utah-focused application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| America First Credit Union | Direct | 4.9 | 4.9 | 4.8 | 91% |
| Mountain America Credit Union | Direct | 4.9 | 4.8 | 4.9 | 90% |
| UCCU | Direct | 4.8 | 4.9 | 4.7 | 89% |
| Cyprus Credit Union | Direct | 4.8 | 4.8 | 4.8 | 88% |
| Utah First Credit Union | Direct | 4.8 | 4.7 | 4.8 | 87% |
| Goldenwest Credit Union | Direct | 4.7 | 4.7 | 4.7 | 86% |
| Deseret First Credit Union | Direct | 4.7 | 4.7 | 4.6 | 85% |
| Granite Credit Union | Direct | 4.6 | 4.7 | 4.6 | 84% |
| Chartway Credit Union | Direct | 4.6 | 4.6 | 4.6 | 83% |
| Canyon View Credit Union | Direct | 4.5 | 4.6 | 4.5 | 82% |
| UFirst Credit Union | Direct | 4.5 | 4.5 | 4.5 | 81% |
| AUTOPAY | Marketplace | 4.5 | 4.4 | 4.5 | 81% |
| Capital One Auto Navigator | Direct | 4.5 | 4.3 | 4.6 | 80% |
| LightStream | Direct | 4.4 | 4.4 | 4.5 | 79% |
| PenFed Credit Union | Direct | 4.3 | 4.6 | 4.3 | 78% |
| Security Service Federal Credit Union | Direct | 4.3 | 4.4 | 4.3 | 77% |
| Bank of America Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 76% |
| myAutoloan | Marketplace | 4.2 | 4.1 | 4.2 | 75% |
| Auto Credit Express | Marketplace | 4.1 | 4.0 | 4.2 | 74% |
| CarsDirect | Marketplace | 4.0 | 4.0 | 4.1 | 73% |