Vehicle Loans
Drive Your Next Adventure With Values‑Based Financing
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.
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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 note, 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.
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.
Powersport, ATV & Boat Loans
Go Beyond the Pavement (or Dock) Without Break‑the‑Bank Payments
Adventure doesn’t wait for the weekend. Whether it’s trail riding, boating, or carving fresh powder, our powersport loans make it affordable to explore more.
Finance ATVs, UTVs, snowmobiles, personal watercraft, or small boats with terms up to 84 months and rates typically 1–2% lower than dealership financing. Bundle accessories or trailers into one simple payment and choose optional seasonal payment plans to match your lifestyle.
From mountains to lakes, your next adventure is already within reach.
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?
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
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Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
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.