Best Personal Loan Rates in Utah (UT) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Utah borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Utah include: Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Nelnet BankNelnet Bank13907 S Minuteman Dr, Draper, UT, 84020A+5.0 ★Texas Ratio: 1.05% offering Parent Loans at 4.99% APR, UTAH COMMUNITYUTAH COMMUNITY360 W 4800 N, Provo, UT, 84604C3.8 ★Texas Ratio: 29.46% offering Credit Builder Loan at 6.00% APR, American United Federal Credit UnionAmerican United Federal Credit Union500 Foothill Dr, Salt Lake City, UT, 84148 0001A5.0 ★Texas Ratio: 7.60% offering Construction Loan at 6.25% APR, and Mountain America Federal Credit UnionMountain America Federal Credit Union7181 S Campus View Dr, West Jordan, UT, 84084 4312A5.0 ★Texas Ratio: 11.38% offering Construction Loan at 6.38% APR. Personal loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Utah side-by-side. Utah personal loan rates currently start as low as 4.50% APR from Baxter Credit Union at 12050 S Lone Peak Pkwy, Draper, UT, 84020 9414. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Utah. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 4, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 5, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 5, 2026
Details
As Low As
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT, 84020
Parent Loans
4.99%
▼
APR4.99%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMay 5, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedMay 5, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT, 84084 4312
Construction Loan
6.38%
▼
APR6.38%
Last UpdatedMay 5, 2026
Details
As Low As; Construction
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedMay 5, 2026
Details
As Low As; Two time close
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedMay 5, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Improved Lot Loans
6.50%
▼
APR6.50%
Last UpdatedMay 5, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedMay 5, 2026
Details
Two time close
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Improved Lot Loans
6.50%
▼
APR6.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loans
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal loan
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Debt Paydown Loan
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
Rates starting at 6.53% APR1
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT, 84120
Construction Loan
6.62%
▼
APR6.62%
Last UpdatedMay 5, 2026
Details
No additional details available.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans
6.63%
▼
APR6.63%
Last UpdatedMay 5, 2026
Details
As Low As; One time close
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedMay 5, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Construction Loans
6.63%
▼
APR6.63%
Last UpdatedMay 5, 2026
Details
One time close
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMay 5, 2026
Details
As Low As; Variable
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMay 5, 2026
Details
As Low As; Variable
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMay 5, 2026
Details
As Low As; Variable
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedMay 5, 2026
Details
As Low As; up to 72 months
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.24%
▼
APR7.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
HE Loan
7.25%
▼
APR7.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
30/5 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.49%
▼
APR7.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 5, 2026
Details
As Low As; Rates as low as 7.50%*
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.74%
▼
APR7.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans Older Models
7.74%
▼
APR7.74%
Last UpdatedMay 5, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
10-year lot loan
7.75%
▼
APR7.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 5, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans Older Models
7.99%
▼
APR7.99%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.99%
▼
APR7.99%
Last UpdatedMay 5, 2026
Details
As Low As
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Unsecured
7.99%
▼
APR7.99%
Last UpdatedMay 5, 2026
Details
As Low As
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 5, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
8.00%
▼
APR8.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
As Low As; Personal Loans
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
$20,000
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
As Low As
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedMay 5, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
As Low As
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
8.95%
▼
APR8.95%
Last UpdatedMay 5, 2026
Details
No additional details available.
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
302 E Lakeview Pkwy, Provo, UT, 84606
Signature
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
As Low As; Rates effective as of 04/21/2026. Rates subject to change without notice.
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
420 E South Temple Ste 520, Salt Lake City, UT, 84111 1362
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
As Low As
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
Holiday/Vacation; Up to $5,000.00
Gibbons and Reed Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1000 N Warm Springs Rd, Salt Lake City, UT, 84116
Unsecured
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
OAC
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Signature Loans
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans (36 months)
10.25%
▼
APR10.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature
10.29%
▼
APR10.29%
Last UpdatedMay 5, 2026
Details
APR as low as:
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans (48 months,
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
$5,000+
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
675 E 100 N, Price, UT, 84501
Signature
10.74%
▼
APR10.74%
Last UpdatedMay 5, 2026
Details
As Low As; starting as low as
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
10.95%
▼
APR10.95%
Last UpdatedMay 5, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 36 Months
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 48 Months
11.24%
▼
APR11.24%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
72 E 700 N, Logan, UT, 84321
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMay 5, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3012 S 1900 W, Ogden, UT, 84401
Signature/ Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
As Low As; up to 60 months
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 60 Months
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT, 84405 3621
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
12.74%
▼
APR12.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT, 84401
Unsecured Loans
12.74%
▼
APR12.74%
Last UpdatedMay 5, 2026
Details
48 MO
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Signature
12.90%
▼
APR12.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
12.95%
▼
APR12.95%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT, 84627
Personal
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
500 E 1400 N, Logan, UT, 84341
Consumer Loan
13.00%
▼
APR13.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
500 E 1400 N, Logan, UT, 84341
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 5, 2026
Details
Starting at
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
13.24%
▼
APR13.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.25%
▼
APR13.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.50%
▼
APR13.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.75%
▼
APR13.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
13.99%
▼
APR13.99%
Last UpdatedMay 5, 2026
Details
As Low As; as low as
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Signature (personal) - Closed-end
13.99%
▼
APR13.99%
Last UpdatedMay 5, 2026
Details
as low as
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Signature Loan
14.50%
▼
APR14.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
14.75%
▼
APR14.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
14.95%
▼
APR14.95%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
19.95%
▼
APR19.95%
Last UpdatedMay 5, 2026
Details
No additional details available.
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Short Term Loans
28.00%
▼
APR28.00%
Last UpdatedMay 5, 2026
Details
As Low As; Rates as low as 28.00%
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
30.00%
▼
APR30.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loan
35.99%
▼
APR35.99%
Last UpdatedMay 5, 2026
Details
APR ranges from 6.53% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal loan
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loans
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
As Low As
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 5, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 5, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
8.00%
▼
APR8.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
As Low As; Personal Loans
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
$20,000
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
As Low As
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedMay 5, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
Holiday/Vacation; Up to $5,000.00
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 36 Months
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 48 Months
11.24%
▼
APR11.24%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
72 E 700 N, Logan, UT, 84321
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMay 5, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loans Personal
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3012 S 1900 W, Ogden, UT, 84401
Signature/ Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan 60 Months
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
13.99%
▼
APR13.99%
Last UpdatedMay 5, 2026
Details
As Low As; as low as
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loan
35.99%
▼
APR35.99%
Last UpdatedMay 5, 2026
Details
APR ranges from 6.53% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Debt Paydown Loan
6.53%
▼
APR6.53%
Last UpdatedMay 5, 2026
Details
Rates starting at 6.53% APR1
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 5, 2026
Details
As Low As; Rates as low as 7.50%*
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
302 E Lakeview Pkwy, Provo, UT, 84606
Signature
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
As Low As; Rates effective as of 04/21/2026. Rates subject to change without notice.
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
420 E South Temple Ste 520, Salt Lake City, UT, 84111 1362
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
As Low As
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Signature Loans
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans (36 months)
10.25%
▼
APR10.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature
10.29%
▼
APR10.29%
Last UpdatedMay 5, 2026
Details
APR as low as:
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans (48 months,
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
$5,000+
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
675 E 100 N, Price, UT, 84501
Signature
10.74%
▼
APR10.74%
Last UpdatedMay 5, 2026
Details
As Low As; starting as low as
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3012 S 1900 W, Ogden, UT, 84401
Signature/ Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
As Low As; up to 60 months
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
12.74%
▼
APR12.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT, 84111
Signature
12.90%
▼
APR12.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
500 E 1400 N, Logan, UT, 84341
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 5, 2026
Details
Starting at
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT, 84532 2132
Signature/Lifestyle Loan
13.24%
▼
APR13.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.25%
▼
APR13.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.50%
▼
APR13.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
13.75%
▼
APR13.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Signature (personal) - Closed-end
13.99%
▼
APR13.99%
Last UpdatedMay 5, 2026
Details
as low as
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Signature Loan
14.50%
▼
APR14.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
14.75%
▼
APR14.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT, 84111
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Utah currently.
Utah Personal Loan Rate Trends
Compare local Utah personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — UT Avg
10.530%
▼ 0.228 vs 7 days ago
Utah personal loan rates fell 0.228 points over the past 7 days to 10.530% APR.
Signature Loan — UT Avg
13.249%
▲ 0.329 vs 7 days ago
Utah signature loan rates rose 0.329 points over the past 7 days to 13.249% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
Most lenders in Utah require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Utah often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Utah require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Utah?
Yes. Debt consolidation is one of the most common uses of personal loans in Utah. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Utah?
Credit unions in Utah often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Utah?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Nelnet Bank: 4.99% (Parent Loans)
- UTAH COMMUNITY: 6.00% (Credit Builder Loan)
- American United Federal Credit Union: 6.25% (Construction Loan)
- Mountain America Federal Credit Union: 6.38% (Construction Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026.
