Vehicle Loans
Drive Your Next Adventure
Reliable transportation opens doors: family visits, temple trips, outdoor escapes, daily commutes that keep families and careers on track. Deseret First turns keys faster by pairing competitive fixed rates, up to 100% financing, and lightning‑quick local decisions with staff who understand your way of living. From your first test‑drive to your final payment, we make sure every mile fits your budget—and your values.
Vehicle Loan Rates
Auto Loans
| Term (Months) | APR |
|---|---|
| 48 | 5.24% |
| 60 | 5.24% |
| 72 | 5.49% |
| 84 | 6.24% |
RV & Recreation Loans
| Product Name | APR | Notes |
|---|---|---|
| Motorcycles | 7.99% | Up to 7 years |
| ATVs | 7.99% | Up to 7 years |
| Personal Watercraft | 7.99% | Up to 7 years |
| Snowmobiles | 7.99% | Up to 7 years |
| Side-by-sides | 8.49% | Up to 15 years |
| Fifth Wheels | 8.49% | Up to 15 years |
| Camper Trailers | 8.49% | Up to 15 years |
| Motorhomes | 8.49% | Up to 15 years |
| Boats | 8.49% | Up to 15 years |
Auto Loan
Find the Right Car, Finance It the Right Way
A dependable car shouldn’t drain your wallet or your peace of mind. Our Auto Loan delivers low fixed rates starting at 5.74 % APR* with terms up to 84 months, giving you flexibility to choose a comfortable monthly payment. Whether you’re buying new, certified pre‑owned, or refinancing a current loan, we put the savings back in your gas tank.
Up to 100 % financing
Tax, title, warranties, and GAP coverage included if you choose.
90‑day payment deferment
Available for qualified borrowers—helpful when overlap bills stack up.
Refinance and slash your rate
On loans from other institutions; keep the car, ditch the high interest.
Same‑day decisions
Typically in one business day after we review your application.
Drive off the lot knowing your payment—and your lender—have your back.
RV & Trailer Loan
Turn Weekend Road Trips Into Lifetime Memories
Utah’s mountains, canyons, and national parks are calling—and your RV adventure starts here. Finance motorhomes, travel trailers, or fifth-wheels with fixed-rate loans up to 180 months, keeping payments low and plans flexible.
Borrow up to 90% of the purchase price, pay off faster without penalty, and enjoy additional protection options like GAP and Mechanical Breakdown coverage. Members also receive a 0.25% APR discount for automatic payments from a DFCU account.
Home comfort meets highway freedom—funded by people who love adventure as much as you do.
Calculate Your Loan
Auto & RV Calculator
Find a car payment to fit your budget with our auto loan calculator!
PrincipalInterest
Estimated payoff date:
06/11/2031
Total interest:
$4,861
Total to be repaid:
$39,861
Why Choose a DFCU Vehicle Loan
Smarter Financing, Backed by Local Support
At DFCU, you’re more than a loan application—you’re a member. That means:
Local underwriting for faster approvals.
No out-of-state call centers.
Skip-a-Pay flexibility
When budgets get tight or holidays roll around.
24 / 7 live help
From Utah-based specialists who truly care.
Our goal isn’t just getting you into a vehicle—it’s helping you keep your financial life balanced on the journey.
Ready to Roll?
Apply online in 10 minutes and get a pre‑approval letter before you step into the dealership—or the RV show. Thousands of members already trust DFCU for honest rates. Join them and hit the road with confidence.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Need car insurance?
Need car insurance?
Deseret Insurance Agency can find
you a great policy
to match that new car.
APR = Annual Percentage Rate. Rates effective today and subject to change without notice. Approval, rate, and term depend on creditworthiness and collateral. Membership and eligibility required.