Best Personal Loan Rates in Utah - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Utah include: Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.09% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union147 26th st, Ogden, UT, 84401A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, UTAH COMMUNITYUTAH COMMUNITY360 W 4800 N, Provo, UT, 84604C3.8 ★Texas Ratio: 2.75% offering 3 Years / 36 Months Loan at 4.74% APR, and Nelnet BankNelnet Bank13907 S Minuteman Dr, Draper, UT, 84020A+5.0 ★Texas Ratio: 1.05% offering Parent Loans at 4.99% APR. Personal loan rates as of June 16, 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 4.09% APR from Delta Community Credit Union at 3920 W Terminal Dr, Salt Lake City, UT, 84116. 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: June 16, 2026
Utah Personal Loan Rates
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As Low As
As Low As; Model Year: 2019-2026
No additional details available.
As Low As
Fixed Rates; See Disclaimer
No additional details available.
FICO Score: 730+
No additional details available.
As Low As; Model Year: 2019-2026
No additional details available.
As Low As; Model Year: 2019-2026
No additional details available.
FICO Score: 730+
No additional details available.
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FICO Score: 680-729
FICO Score: 680-729
No additional details available.
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70% LTV. Primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740.
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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Fixed
As Low As; Model Year: 2011-2018
As Low As; Model Year: 2019-2026
As Low As
No additional details available.
No additional details available.
As Low As; Model Year: 2011-2018
As Low As; Variable Rate Thereafter: 6.24%
As Low As
No additional details available.
3 year call - 80% LTV. Primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740.
As Low As
Fixed
No additional details available.
No additional details available.
LTV: 80%
70% LTV. Primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740.
LTV: 80%
LTV: 80%
A personal loan up to $60,000 to cover expenses like a major purchase, home improvements, life events, etc.
Rates starting at 6.53% APR1
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% 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 April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
No additional details available.
No additional details available.
As Low As; Model Year: 2011-2018
As Low As; Variable Rate Thereafter: 6.74%
FICO Score: 640-679
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Utah Housing VA
As Low As; Model Year: 2018-2025
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
FICO Score: 640-679
80% LTV. Primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740.
Fixed
LTV: 80%
No additional details available.
As Low As
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
$20,000
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
LTV: 80%
LTV: 80%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Utah Housing FHA
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2010-2017
Fixed
$20,000
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
$20,000
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
Origination Fee: 1.00%; LTV: 80%
LTV: 75%
As low as*
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As Low As
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Maximum Loan/Term: $20,000; Second Rate: 7.99%
Up to $4,000
As Low As
30-35% Down. Primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740.
As Low As
As Low As
Includes a 0.25% discount for direct deposit.
No additional details available.
As Low As
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
Maximum Loan/Term: $20,000; Second Rate: 8.49%
Fixed Rate. Estimated monthly payment: $18.02 per $1,000 borrowed.
Credit Score: A+ >740
As Low As; Variable Rate Thereafter: 8.99%
No additional details available.
As Low As
No additional details available.
No additional details available.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed APR
Credit Score: A 690-739
No additional details available.
As Low As
No additional details available.
FICO Score: 600-639
No additional details available.
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As Low As; Payment (per $1,000): $87.80
FICO Score: 600-639
Maximum Loan/Term: $15,000; Second Rate: 9.49%
No additional details available.
APR* (as low as)
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Model Year: 2018-2025
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Model Year: 2018-2025
APR* (as low as)
Model Year: 2018-2025
APR* (as low as)
As Low As; Payment (per $1,000): $87.92
As Low As
Utah Personal Loan Rates
No additional details available.
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% 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 April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
As Low As
$20,000
$20,000
$20,000
As Low As
No additional details available.
Up to $4,000
Includes a 0.25% discount for direct deposit.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Payment (per $1,000): $87.80
As Low As; Payment (per $1,000): $87.92
Utah Debt Consolidation Loan Rates
Rates starting at 6.53% APR1
Utah Signature Loan Rates
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
As Low As
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
As Low As
No additional details available.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Fixed APR
As Low As
No additional details available.
As Low As
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.
Utah personal loan rates rose 0.105 points over the past 7 days to 11.510% APR.
Utah signature loan rates rose 0.016 points over the past 7 days to 12.648% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utah personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Utah directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Utah. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in UT.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Utah?
Are credit unions or banks better for personal loans in Utah?
What are the best personal loan rates in Utah?
- Delta Community Credit Union: 4.09% (24 months Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- UTAH COMMUNITY: 4.74% (3 Years / 36 Months Loan)
- Nelnet Bank: 4.99% (Parent Loans)
