Who AI recommends for auto loans in Salt Lake City, September 2026
We asked 8 auto-loan questions about Salt Lake City on ChatGPT, Claude, Perplexity and Google, twice each, on September 25, 2026. 57 answers came back. America First Credit Union was named in 42 of 57 answers, Mountain America in 40, Utah First in 37. Cyprus followed at 20. 19 of 38 tracked lenders were never named.
| Category | Auto loans | |
|---|---|---|
| Metro | Salt Lake City | |
| Measured | 9/28/2026 | |
| Engines | ChatGPT, Claude, Perplexity, Google | 4 of 5 |
| Named most often, of 57 answers | America First Credit Union | 42 of 57 |
| Mountain America Credit Union | 40 of 57 | |
| Utah First Credit Union | 37 of 57 | |
| Cyprus Credit Union | 20 of 57 | |
| Utah Community Credit Union | 15 of 57 | |
| Granite Credit Union | 15 of 57 | |
| Utah Power Credit Union | 14 of 57 | |
| Bank of Utah | 14 of 57 | |
| P&S Credit Union | 13 of 57 | |
| Goldenwest Credit Union | 13 of 57 | |
| Wasatch Peaks Credit Union | 13 of 57 | |
| Canyon View Credit Union | 11 of 57 | |
| Never named, of 38 tracked | Zions Bank | 0 |
| Cache Valley Bank | 0 | |
| Central Bank (Provo) | 0 | |
| Brighton Bank | 0 | |
| KeyBank | 0 | |
| Altabank | 0 | |
| Security Service Federal Credit Union | 0 | |
| Chevron Federal Credit Union | 0 | |
| D.L. Evans Bank | 0 | |
| Northwest Bank | 0 | |
| First Utah Bank | 0 | |
| Alpine Credit Union | 0 | |
Who leads
America First Credit Union was named in 42 of 57 answers. Mountain America Credit Union was named in 40 of 57 answers. Utah First Credit Union was named in 37 of 57 answers.
The next most named local lender, Cyprus Credit Union, appeared in 20.
Who AI never mentions
19 of the 38 local banks and credit unions we tracked were not named in any of the 57 answers.
Security Service Federal Credit Union has $14.4 billion in assets. It was never named. Chevron Federal Credit Union has $5.4 billion in assets. It was also never named.
The ranking
America First Credit Union: named in 42 of 57 answers.
Mountain America Credit Union: named in 40 of 57 answers.
Utah First Credit Union: named in 37 of 57 answers.
Cyprus Credit Union: named in 20 of 57 answers.
Utah Community Credit Union: named in 15 of 57 answers.
Granite Credit Union: named in 15 of 57 answers.
Utah Power Credit Union: named in 14 of 57 answers.
Bank of Utah: named in 14 of 57 answers.
P&S Credit Union: named in 13 of 57 answers.
Goldenwest Credit Union: named in 13 of 57 answers.
Wasatch Peaks Credit Union: named in 13 of 57 answers.
Canyon View Credit Union: named in 11 of 57 answers.
How this was measured
We asked 8 everyday auto-loan questions. Each was asked twice on ChatGPT, Claude, Perplexity and Google's AI answers, as a Salt Lake City local, on September 25, 2026. 57 answers came back. A lender counts once for each answer that names it.
Every question was asked fresh, with no account history.
The questions
The 8 questions were:
best auto loan rates in Salt Lake City.
which credit union should I use for a car loan in Utah.
where can I get a used car loan in Salt Lake City with good rates.
best credit union for auto loans in Salt Lake County.
refinance my car loan Salt Lake City.
Provo car loan credit union.
Ogden auto loan best rates.
first-time car buyer loan Salt Lake City.
Questions this report answers
Which lender do AI assistants recommend most for Salt Lake City auto loans?
America First Credit Union, named in 42 of 57 answers. Mountain America Credit Union followed at 40, and Utah First Credit Union at 37.
Which AI engines were tested?
ChatGPT, Claude, Perplexity and Google's AI answers. Each of the 8 questions was asked twice on every engine on September 25, 2026, and 57 answers came back.
Were any large credit unions missing from the AI answers?
Yes. Security Service Federal Credit Union, with $14.4 billion in assets, was never named. Chevron Federal Credit Union, with $5.4 billion in assets, was also never named.
How was a mention counted?
A lender counts once for each answer that names it. Every question was asked fresh, with no account history.
Method: 8 everyday auto-loan questions, each asked twice on ChatGPT, Claude, Perplexity and Google's AI answers, as a Salt Lake City local, on September 25, 2026; 57 answers came back. A lender counts once for each answer that names it. Every question was asked fresh, with no account history.