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

Auto Refinance

Refinance your automobile with Deseret First

High car payment or interest rate?
Bring your auto loan over to Deseret First!

Pre Approved for Auto

Lower, Switch, and Save

You can lower your existing payment and lower your existing rate by bringing your loan to Deseret First! Did we mention that there’s no fee to refinance?!
Magnifying Glass with Graph inside

Save Some Serious Cash

Lowering your rate by just 0.50% can save you over $300 (on a 72 mo term/$20,000 loan).
Equity Vehicle Loan

Membership Benefits

Save money, have a better loan experience, and enjoy many of the other perks of membership by refinancing your existing auto loan with Deseret First today!
Refinance your Auto Loan

Hassle Free

Everything can be done online without coming in! Get the best possible rate for your auto loan by talking to a loan specialist today!
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.

What do I need to refinance my car?

Let Deseret First help you lower your interest rate and payment by refinancing your car today! If your car is not with Deseret First already, why wait? We only need a few things to get your refinance started. If you have any questions about any part in this process, give us a call!.

A copy of your vehicle’s registration


A 10-day payoff from your current lender. This is simply the current payoff amount (how much is owed on the vehicle) plus an additional 10-days of interest.


Some supplemental verification may be required based on your circumstances such as pay stubs, vehicle mileage, vehicle options, etc.

Refinance Requirements

To qualify for an Automotive Refinance, you’ll need:

  • Membership
  • Eligibility
  • Credit Approval
  • An auto loan that is not with Deseret First
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
Woman standing outside car admiring nature

Partner Pages

AutoSmart logo

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 ›

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.

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

Let’s Hit The Road