Auto Loans · Provo, Utah
3 credit unions in Provo report car loan rates to the NCUA. Rates range from 5.49% to 6.21%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.49%
Lowest New Car Rate
5.88%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UTAH COMMUNITY ★ 4.4 · 286 reviews | 5.49% | 5.49% |
| 2 | C U P ★ 3.8 · 32 reviews | 5.94% | 5.98% |
| 3 | FREEDOM ★ 4.9 · 167 reviews | 6.21% | 7.01% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UTAH COMMUNITY ★ 4.4 · 286 reviews | 5.49% | 5.49% |
| 2 | C U P ★ 3.8 · 32 reviews | 5.98% | 5.94% |
| 3 | FREEDOM ★ 4.9 · 167 reviews | 7.01% | 6.21% |
A pre-approval from a Provo credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Provo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.