Application Questions
How do I apply for an auto loan?
Applying for an auto loan is easy! You can apply at your local Wasatch Peaks branch, give us a call at 801-627-8700 or even apply online by clicking here.
How long does it take to process an auto loan?
Wasatch Peaks will process your loan application as quickly as possible, typically within one business day.
Can I refinance my current auto loan to Wasatch Peaks?
We would love to help you refinance your auto loan! Whether you’re looking for a better rate, lower payments, or better terms, Wasatch Peaks is here to help.
What is the best rate I can get?
As a credit union, we are happy to offer great rates on our auto loans! To see our current auto loan rates, please visit our rates page.
What credit score is the minimum for the best rate?
Your credit score is only a portion of our application and approval process. Give us a call or visit with a member service representative to learn more about the impact of your credit score.
What term can I qualify for on an older car model?
While there are other factors that also determine your loan terms, vehicles from 2011 and earlier can typically have terms up to 48 and 60 months.
Can I get an auto loan on a rebuilt/salvaged vehicle?
At this time, we do not offer auto loans on rebuilt or salvaged vehicles.
I have 59 months left on my loan. Can I refinance to a 48-month loan?
We would love to help you refinance your loan! Give us a call or visit your local Wasatch Peaks branch to get started.
Loan Questions
How do I make a payment?
Making a payment is easy! Give us a call, utilize bill pay, or set up automatic payments.
Can I make extra payments?
Yes, you can make extra payments towards your loan.
Can I do a skip-a-pay on my Auto Loan?
We offer skip-a-pay options for auto loans. For more details and information, please visit our skip-a-pay page.
Do I need insurance on my vehicle?
Yes, we do require that you have insurance on your vehicle while you have a loan with us. Proof of insurance will need to be provided.
Payoff Questions
How do I get my auto loan payoff amount?
To get the most accurate payoff amount for your auto loan, please give us a call or visit your local Wasatch Peaks branch.
What is the best way to pay off an auto loan?
The best way to pay off your auto loan is to visit your local Wasatch branch with the funds to pay off the loans, whether that’s cash or check. Please make sure you have your current address on the account, or update the address with us, so we can send you the vehicle title.
When will I receive my title after I pay-off my loan?
You will typically receive your title within 5-10 business days.
My car has been totaled, but my insurance payout doesn’t cover my loan. What do I do?
You will continue to be responsible for your regular payments until the loan is paid off in full. To help alleviate situations like, you may want to consider getting Guaranteed Asset Protection (GAP) Insurance. This will also provide a payout, which may cover the remaining balance of your loan or will help lower your loan payoff amount.
