Auto Loans in Utah

Rejoice! You Can Apply for a Car Loan in Utah!

Woman excitedly holding photo of a Jeep and car keys

Whether you want to buy a new or used car, truck or SUV, and whether it’s your first vehicle or your tenth, applying for car loans in Utah with RoadLoans is fast and easy.

Our secure online application takes just a few minutes to complete, whatever part of the state you’re in, and once you click to submit, we’ll send a loan decision in seconds. If approved, you’ll receive multiple loan offers customized to meet your specific car-buying needs. All you have to do next is select the best option, download your loan packet and visit the preferred dealership listed within your documents, nearby.

Preapproved financing enables you to shop for a car with confidence, already knowing your loan amount, monthly payment and APR, so you can negotiate a great deal on a vehicle. We work with trusted auto dealerships able to show you select, high-quality cars meeting our standards for age, mileage and financing. RoadLoans customers can apply, shop and drive the same day!

Apply for Refinancing and See if You Can Save

Are you paying too much on your current car loan? Apply for refinancing and see if you can lower your monthly payment, make a saving on interest charges or even get cash back up to $5,000.* Learn more here. Select the refinancing option on our application page, type in your details and get an instant decision.

Apply for Auto Financing

All Credit Types Can Apply


If you’ve got bad credit,† you might have doubts about finding a good lender. Don’t worry. At RoadLoans, we accept applications from people with all types of credit, including bad credit, no credit, even those who have been through bankruptcy and repossession. As a full-spectrum lender and part of leading auto finance company Santander Consumer USA, we have many years of experience working with customers with a wide range of credit histories. Take a few minutes to apply online, and let us give you an instant decision.

Get Started Here

* States eligible for cash-back include: AL, AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, LA, ME, MD, MI, MN, MO, MT, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY.

† “Bad” or “poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press),,, Investopedia, and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by and Santander Consumer USA.