Financing & Credit Scores

Let us help you find the financing option for your situation.

Markosian Financing Options

15 years ago Nick was tired of seeing perfectly good people with good jobs and the ability to make a car payment get turned down by the lenders they worked with.  So Markosian Auto started financing people themselves.  Since that time Markosian Auto has helped over 10,000 customers get into reliable vehicles with affordable down payments and monthly payments.

Since Markosian Auto does its own financing they can guarantee that if you have a job and a driver’s license you will get approved.

Markosian Auto has made it really easy to buy a car.  The customers in our in-house financing program get FREE oil changes and warranty on the vehicle.  Markosian Auto also reports our customer’s good payment history to the credit bureaus to help rebuild our customer’s credit and you can upgrade anytime without being upside down in your vehicle.

Credit Score:
Below 550

Although we do have lenders that will approve you if your score is below a 550, we feel the interest rates and fees they charge are so high, often times over 24.99%, that we believe you’re better off financing through us. About half the customers we sell cars to choose this option. There are huge benefits to our in house program.

  • We report to trans union credit bureau
  • Upgrade anytime without being upside down
  • Free oil changes
  • 2 year warranty
  • Down Payments as low as $99

Credit Score:
550 to 680

There are several great lenders available to approve you if your credit score is between 550 and 680.  The rates typically range from 10.99% to 20.99%. We only work with top tier lenders like Wells Fargo, Capital One or America First Credit Union.



  • Deal with top tier lenders like Wells Fargo or Capital One
  • Interest rates as low as 10.99%
  • Improve your credit score
  • Because of our volume interest rates are super competitive

Credit Score:
680 or above

If you’re credit score is a 680 or above you have a lot of great financing options at banks or credit unions. Interest rates are super low starting at 1.9% but you can definitely expect a rate under 4.99%. We deal with most of Utah’s credit unions directly but primarily America First Credit Union.



  • Can finance at a bank or credit union
  • Interest rates 1.9% to 4.99%
  • Long term financing (up to 7 years)
  • Super low payments

Please keep in mind that these are approximations. There are several other factors banks consider when granting your loan. This just gives you a good idea.
— Nick Markosian

Have a Question? Call Today!
801-886-1700 (Call or Text)