Goldenwest CU
Goldenwest Credit Union — low-interest auto refinancing with terms up to 84 months and no application fees.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Goldenwest CU does not publish this on their public site. "No restriction" means Goldenwest CU explicitly states no limit.
Overview
Goldenwest Credit Union is a member-owned cooperative serving Utah and Idaho, offering auto loan refinancing for loans brought from other institutions. They provide competitive fixed rates starting as low as 4.99% APR for shorter terms, and offer flexibility with terms up to 7 years.…
What’s great
- Low starting APR of 4.99% for terms up to 36 months
- Repayment terms available up to 84 months
- Option to defer first payment for up to 90 days
What to know
- Minimum loan amount of $10,000 required for external refinance
- Minimum Vantage Score of 680 required
Eligibility
| Minimum credit score | 680 |
| APR range | Not disclosed |
| APR floor (as low as) | From 4.99% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $10,000 minimum |
| Term length | Up to 84 months |
| States served | 2 states |
| Membership requirement | Membership is open to individuals who live, work, worship, or attend school in select areas of Utah and Idaho. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Goldenwest CU's own published materials. Rates, eligibility, and terms can change — verify directly with Goldenwest CU before applying.
- [1]Auto Loans — Goldenwest Credit Unionhttps://www.gwcu.org/borrow/vehicle-loans/auto-loansLast checked: October 2026
- [2]Auto Loan Rates — Goldenwest Credit Unionhttps://cars.gwcu.org/vehicles/2008-Cameo-Carriage-c117fd42-1b7b-43d2-b066-b0f53945bb90Last checked: October 2026
- [3]Membership — Goldenwest Credit Unionhttps://www.gwcu.org/about/membershipLast checked: October 2026