Getting the best deal on a car loan can be tricky — especially in Utah. That’s why you need a partner who knows how to get you approved for the vehicle that you want with no hassle. AllCreditCarLoans network of finance partners can provide quick bad credit auto loans for those whose credit is less than stellar.
Once you apply, we’ll forward your application to the lending partner that is best suited to your needs. They will communicate directly with you to complete the quick loan process. You could get pre-approved for a car loan within minutes after applying.
So, no matter what your credit situation, if you are looking for a quick car loan for bad credit with no hassle, we can help. Apply today and you could be driving your new car tomorrow!
Utah (/ˈjuːtɔː/ YOO-taw, /-tɑː/ -tah listen) is a state in the western United States. It became the 45th state admitted to the U.S. on January 4, 1896. Utah is the 13th-largest by area, 31st-most-populous, and 10th-least-densely populated of the 50 United States. Utah has a population of more than 3 million according to the Census estimate for July 1, 2016. Urban development is mostly concentrated in two areas: the Wasatch Front in the north-central part of the state, which contains approximately 2.5 million people; and Washington County in Southern Utah, with over 160,000 residents. Utah is bordered by Colorado to the east, Wyoming to the northeast, Idaho to the north, Arizona to the south, and Nevada to the west. It also touches a corner of New Mexico in the southeast.
Utah is known for its natural diversity and is home to features ranging from arid deserts with sand dunes to thriving pine forests in mountain valleys. It is a rugged and geographically diverse state that is at the convergence of three distinct geological regions: the Rocky Mountains, the Great Basin, and the Colorado Plateau.
Utah is one of the Four Corners states, and is bordered by Idaho in the north, Wyoming in the north and east; by Colorado in the east; at a single point by New Mexico to the southeast; by Arizona in the south; and by Nevada in the west. It covers an area of 84,899 sq mi (219,890 km). The state is one of only three U.S. states (with Colorado and Wyoming) that have only lines of latitude and longitude for boundaries.
One of Utah’s defining characteristics is the variety of its terrain. Running down the middle of the state’s northern third is the Wasatch Range, which rises to heights of almost 12,000 ft (3,700 m) above sea level. Utah is home to world-renowned ski resorts, made popular by the light, fluffy snow, and winter storms which regularly dump 1 to 3 feet of overnight snow accumulation. In the state’s northeastern section, running east to west, are the Uinta Mountains, which rise to heights of over 13,000 feet (4,000 m). The highest point in the state, Kings Peak, at 13,528 feet (4,123 m), lies within the Uinta Mountains.
At the western base of the Wasatch Range is the Wasatch Front, a series of valleys and basins that are home to the most populous parts of the state. It stretches approximately from Brigham City at the north end to Nephi at the south end. Approximately 75 percent of the state’s population lives in this corridor, and population growth is rapid.
Western Utah is mostly arid desert with a basin and range topography. Small mountain ranges and rugged terrain punctuate the landscape. The Bonneville Salt Flats are an exception, being comparatively flat as a result of once forming the bed of ancient Lake Bonneville. Great Salt Lake, Utah Lake, Sevier Lake, and Rush Lake are all remnants of this ancient freshwater lake, which once covered most of the eastern Great Basin. West of the Great Salt Lake, stretching to the Nevada border, lies the arid Great Salt Lake Desert. One exception to this aridity is Snake Valley, which is (relatively) lush due to large springs and wetlands fed from groundwater derived from snow melt in the Snake Range, Deep Creek Range, and other tall mountains to the west of Snake Valley. Great Basin National Park is just over the Nevada state line in the southern Snake Range. One of western Utah’s most impressive, but least visited attractions is Notch Peak, the tallest limestone cliff in North America, located west of Delta.
Much of the scenic southern and southeastern landscape (specifically the Colorado Plateau region) is sandstone, specifically Kayenta sandstone and Navajo sandstone. The Colorado River and its tributaries wind their way through the sandstone, creating some of the world’s most striking and wild terrain (the area around the confluence of the Colorado and Green Rivers was the last to be mapped in the lower 48 United States). Wind and rain have also sculpted the soft sandstone over millions of years. Canyons, gullies, arches, pinnacles, buttes, bluffs, and mesas are the common sight throughout south-central and southeast Utah.
This terrain is the central feature of protected state and federal parks such as Arches, Bryce Canyon, Canyonlands, Capitol Reef, and Zion national parks, Cedar Breaks, Grand Staircase-Escalante, Hovenweep, and Natural Bridges national monuments, Glen Canyon National Recreation Area (site of the popular tourist destination, Lake Powell), Dead Horse Point and Goblin Valley state parks, and Monument Valley. The Navajo Nation also extends into southeastern Utah. Southeastern Utah is also punctuated by the remote, but lofty La Sal, Abajo, and Henry mountain ranges.
Eastern (northern quarter) Utah is a high-elevation area covered mostly by plateaus and basins, particularly the Tavaputs Plateau and San Rafael Swell, which remain mostly inaccessible, and the Uinta Basin, where the majority of eastern Utah’s population lives. Economies are dominated by mining, oil shale, oil, and natural gas-drilling, ranching, and recreation. Much of eastern Utah is part of the Uintah and Ouray Indian Reservation. The most popular destination within northeastern Utah is Dinosaur National Monument near Vernal.
Southwestern Utah is the lowest and hottest spot in Utah. It is known as Utah’s Dixie because early settlers were able to grow some cotton there. Beaverdam Wash in far southwestern Utah is the lowest point in the state, at 2,000 feet (610 m). The northernmost portion of the Mojave Desert is also located in this area. Dixie is quickly becoming a popular recreational and retirement destination, and the population is growing rapidly. Although the Wasatch Mountains end at Mount Nebo near Nephi, a complex series of mountain ranges extends south from the southern end of the range down the spine of Utah. Just north of Dixie and east of Cedar City is the state’s highest ski resort, Brian Head.
Like most of the western and southwestern states, the federal government owns much of the land in Utah. Over 70 percent of the land is either BLM land, Utah State Trustland, or U.S. National Forest, U.S. National Park, U.S. National Monument, National Recreation Area or U.S. Wilderness Area. Utah is the only state where every county contains some national forest.
The United States Census Bureau estimates that the population of Utah was 2,995,919 on July 1, 2015, an 8.40% increase since the 2010 United States Census. The center of population of Utah is located in Utah County in the city of Lehi. Much of the population lives in cities and towns along the Wasatch Front, a metropolitan region that runs north–south with the Wasatch Mountains rising on the eastern side. Growth outside the Wasatch Front is also increasing. The St. George metropolitan area is currently the second fastest-growing in the country after the Las Vegas metropolitan area, while the Heber micropolitan area is also the second fastest-growing in the country (behind Palm Coast, Florida).
Utah contains five metropolitan areas (Logan, Ogden-Clearfield, Salt Lake City, Provo-Orem, and St. George), and 6 micropolitan areas (Brigham City, Heber, Vernal, Price, Richfield, and Cedar City).
Utah ranks 47th in teenage pregnancy, lowest in percentage of births out of wedlock, lowest in number of abortions per capita, and lowest in percentage of teen pregnancies terminated in abortion. However, statistics relating to pregnancies and abortions may also be artificially low from teenagers going out of state for abortions because of parental notification requirements. Utah has the lowest child poverty rate in the country, despite its young demographics. According to the Gallup-Healthways Global Well-Being Index as of 2012, Utahns ranked fourth in overall well-being in the United States. A 2002 national prescription drug study determined that antidepressant drugs were “prescribed in Utah more often than in any other state, at a rate nearly twice the national average.” The data shows that depression rates in Utah are no higher than the national average.
At the 2010 Census, 86.1% of the population was non-Hispanic White, down from 93.8% in 1990, 1% non-Hispanic Black or African American, 1.2% non-Hispanic American Indian and Alaska Native, 2% non-Hispanic Asian, 0.9% non-Hispanic Native Hawaiian and Other Pacific Islander, 0.1% from some other race (non-Hispanic) and 1.8% of two or more races (non-Hispanic). 13.0% of Utah’s population was of Hispanic, Latino, or Spanish origin (of any race).
The largest ancestry groups in the state are:
Most Utahns are of Northern European descent. In 2011 one-third of Utah’s workforce was reported to be bilingual, developed through a program of acquisition of second languages beginning in elementary school, and related to Mormonism’s missionary goals for its young people.
In 2011, 28.6% of Utah’s population younger than the age of one were ethnic minorities, meaning that they had at least one parent who was of a race other than non-Hispanic white.
A majority of the state’s residents are members of the LDS Church. As of 2012, 62.2% of Utahns are counted as members. Members of the LDS Church currently make up between 34%–41% of the population within Salt Lake City. However, many of the other major population centers such as Provo, Logan, Tooele, and St. George tend to be predominantly LDS, along with many suburban and rural areas. The LDS Church has the largest number of congregations, numbering 4,815 wards.
Though the LDS Church officially maintains a policy of neutrality in regards to political parties, the church’s doctrine has a strong regional influence on politics. Another doctrine effect can be seen in Utah’s high birth rate (25 percent higher than the national average; the highest for a state in the U.S.). The Mormons in Utah tend to have conservative views when it comes to most political issues and the majority of voter-age Utahns are unaffiliated voters (60%) who vote overwhelmingly Republican. Mitt Romney received 72.8% of the Utahn votes in 2012, while John McCain polled 62.5% in the United States presidential election, 2008 and 70.9% for George W. Bush in 2004. In 2010 the Association of Religion Data Archives (ARDA) reported that the three largest denominational groups in Utah are the LDS Church with 1,910,504 adherents; the Catholic Church with 160,125 adherents, and the Southern Baptist Convention with 12,593 adherents. There is a small but growing Jewish presence in the state.
According to results from the 2010 United States Census, combined with official LDS Church membership statistics, church members represented 62.1% of Utah’s total population. The Utah county with the lowest percentage of church members was Grand County, at 26.5%, while the county with the highest percentage was Morgan County, at 86.1%. In addition, the result for the most populated county, Salt Lake County, was 51.4%.
According to a Gallup poll, Utah had the 3rd-highest number of people reporting as “Very Religious” in 2015, at 55% (trailing only Mississippi and Alabama). However, it was near the national average of people reporting as “Nonreligious” (31%), and featured the smallest percentage of people reporting as “Moderately Religious” (15%) of any state, being 8 points lower than 2nd-lowest state Vermont. In addition, it had the highest average weekly church attendance of any state, at 51%.
The official language in the state of Utah is English. Utah English is primarily a merger of Northern and Midland American dialects carried west by LDS Church members, whose original New York dialect later incorporated features from southern Ohio and central Illinois. Conspicuous in the speech of some in the central valley, although less frequent now in Salt Lake City, is a reversal of vowels, so that ‘farm’ and ‘barn’ sound like ‘form’ and ‘born’ and, conversely, ‘form’ and ‘born’ sound like ‘farm’ and ‘barn’.
In 2000, 87.5% of all state residents five years of age or older spoke only English at home, a decrease from 92.2% in 1990.
Utah has the highest total birth rate and accordingly, the youngest population of any U.S. state. In 2010, the state’s population was 50.2% male and 49.8% female.
Utah neighborhoods include: Alpine, Altamont, American Fork, Aneth, Apple Valley, Ballard, Beaver, Beryl, Bingham Canyon, Blanding, Bluebell, Bountiful, Brian Head, Brigham City, Brighton, Cedar City, Cedar Valley, Centerville, Central, Clearfield, Coalville, Collinston, Corinne, Dammeron Valley, Deweyville, Draper, Duchesne, Dugway, Dutch John, Eagle Mountain, East Carbon, Eden, Farmington, Ferron, Fielding, Fort Duchesne, Fruitland, Garden City, Garland, Genola, Grantsville, Green River, Greenville, Grouse Creek, Hanna, Heber City, Helper, Herriman, Hideout, Highland, Hill Afb, Honeyville, Hooper, Huntington, Huntsville, Hurricane, Ivins, Jensen, Kamas, Kaysville, Lapoint, La Verkin, Layton, Lehi, Lindon, Logan, Magna, Manila, Mantua, Mapleton, Midvale, Midway, Milford, Moab, Modena, Monticello, Morgan, Mountain Home, Myton, Neola, Nephi, Newcastle, New Harmony, North Salt Lake, Ogden, Orem, Paragonah, Park City, Park Valley, Parowan, Payson, Peoa, Pine Valley, Pleasant Grove, Plymouth, Portage, Price, Provo, Randlett, Riverton, Roosevelt, Roy, Rush Valley, Saint George, Salem, Salt Lake City, Sandy, Santa Clara, Santaquin, Saratoga Springs, Snowville, South Jordan, Spanish Fork, Springville, Stockton, Summit, Sundance, Syracuse, Tabiona, Talmage, Terra, Thompson, Tooele, Tremonton, Tridell, Vernal, Vernon, Veyo, Vineyard, Wallsburg, Washington, Wellington, Wendover, West Bountiful, West Haven, West Jordan, West Valley City, Whiterocks, Willard, Woodland Hills, Woodruff, Woods Cross
For more information, see Utah wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loans bad credit pre-approval before going to a dealership. By separating the best bad credit auto loans from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get an auto loan pre-approval so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
No matter what your credit situation is, AllCreditCarLoans will help you to find a online car credit that is suited to your needs and budget.
We specialize in:
We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.
We also specialize in sub-prime auto loans including after bankruptcy auto loans and helping borrowers to obtain car loans with repossessions.
If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here used car lots, used car dealership for bad credit, 2nd chance auto dealers and other used car lenders to provide the best auto loan rates.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!
With the state of our world's economy, making monthly payments is getting harder and harder, especially in Utah. United States job loss totals are higher than they have been in over thirty years. Americans are finding it tougher than ever to find steady employment. As a result, bankruptcy, foreclosure and repossessions are skyrocketing.
With many of us paying outrageous interest rates and high monthly payments, people are always looking for ways to lower their monthly bills. Vehicle Refinance is one of the quickest ways to do that.
The first step is to know the interest rate and the balance of your current vehicle loan. This can be obtained by calling, checking online, or faxing a request to your auto loan lender. Once you know what you owe, then you can determine how beneficial a car refinance might be. If you have had your auto loan for at least a year, a car loan refinance can almost always lower your monthly payment.
Click here to use our auto refinance calculator. You can enter your balance, term, and the interest rate to calculate what the payment will be. You can compare different scenarios to see if how much more you can save by adding a down payment.
Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in Utah. What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.
I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.
Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!
There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.
You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.
Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.
If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.
Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.
Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.