Information and Alerts

The financial industry is experiencing a high increase in fraudulent activities and scamming attempts to access personal account information. DFCU will never contact you asking for your PIN, Password, or other account credentials. If you have any questions about your account, contact DFCU at 800-326-3328. To learn more about protecting yourself from fraud, click here

Whether you take the high road or the low road

Apply for a low-rate auto loan with Deseret First

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Double Your Black Friday Savings!

3.14% APR* and 2% Cash Back on Refinances only
  • Only offered November 25th – December 4th
  • Get a rate as low as 3.14% APR*
  • No car payments until 2020**
  • Get 2% cashback on any auto refinance***

Take advantage of our limited time offer and DOUBLE your Black Friday with 2% cashback*** and no payments for 90 days on any auto refinance! PLUS, you can get a rate as low as 3.14% APR* on any NEW or refinanced auto loan! Don’t hesitate, this deal doesn’t last long. The process is fast and our loan officers are friendly. Get on the road in no time while saving money for the holidays!

Apply Online Today

Limited Time Offer

*Rates stated as Annual Percentage Rate. Membership and eligibility required. Terms and conditions apply. OAC. Current DFCU loans not eligible for this promotion

**90-day deferred payments.

***2% Cashback only available on auto refinances.

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!

Monthly Payment

Total: $0
Principal Interest


This chart shows the breakdown of your potential initial payment. As you make payments on your loan, the percentage of principal you pay naturally increases compared to interest.

Estimated payoff date:

Total interest:


Total to be repaid:


Estimated payoff date:

Total interest:

Total to be repaid:

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.

Start Application

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

Let’s Hit The Road