Best Personal Loan Rates in Cedar City, Utah - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Cedar City, Utah include: America First Federal Credit UnionAmerica First Federal Credit Union150 N Main St, Cedar City, UT, 84720A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union410 N Main St, Cedar City, UT, 84720A5.0 ★Texas Ratio: 10.12% offering Construction Loan at 7.11% APR, Chartway Credit UnionChartway Credit Union444 S Main St Ste B2, Cedar City, UT, 84720A+5.0 ★Texas Ratio: 11.31% offering Personal Loans at 8.24% APR, Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.09% APR, and Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Cedar City has 3 local institutions in our database, with personal loan rates as low as 6.82% APR from America First Federal Credit Union at 150 N Main St, Cedar City, UT, 84720. Use the tabs below to compare all available personal loan types. 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 Cedar City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cedar City, 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 23, 2026
Cedar City Personal Loan Rates
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; 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
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%.
No additional details available.
As Low As
As Low As
Fixed. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Model Year: 2019-2026
As Low As
Fixed Rates; See Disclaimer
No additional details available.
No additional details available.
As Low As; Model Year: 2019-2026
FICO Score: 730+
No additional details available.
No additional details available.
As Low As; Model Year: 2019-2026
FICO Score: 730+
No additional details available.
FICO Score: 680-729
No additional details available.
No additional details available.
AS LOW AS
No additional details available.
No additional details available.
No additional details available.
FICO Score: 680-729
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.
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/or through all application channels or platforms.
As Low As; Model Year: 2019-2026
As Low As; Model Year: 2011-2018
Fixed
No additional details available.
No additional details available.
No additional details available.
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
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.
No additional details available.
No additional details available.
No additional details available.
Fixed
As Low As
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%
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
FICO Score: 640-679
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Fixed
As Low As; Model Year: 2018-2025
LTV: 80%
No additional details available.
As Low As
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
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
$20,000
As Low As
LTV: 80%
LTV: 80%
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
$20,000
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
Fixed
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
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
$20,000
Origination Fee: 1.00%; LTV: 80%
LTV: 75%
As low as*
No additional details available.
No additional details available.
As Low As
Maximum Loan/Term: $20,000; Second Rate: 7.99%
Up to $4,000
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
As Low As
Includes a 0.25% discount for direct deposit.
No additional details available.
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%
As Low As
As Low As
No additional details available.
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
FICO Score: 600-639
No additional details available.
No additional details available.
No additional details available.
As Low As; Payment (per $1,000): $87.80
Maximum Loan/Term: $15,000; Second Rate: 9.49%
FICO Score: 600-639
As Low As; Payment (per $1,000): $87.92
Model Year: 2018-2025
Model Year: 2018-2025
No additional details available.
Model Year: 2018-2025
No additional details available.
No additional details available.
As Low As
OAC
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.
No additional details available.
No additional details available.
Credit Score: 850-750
Credit Score: B 660-689
Cedar City Personal Loan Rates
No additional details available.
Fixed. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
No additional details available.
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/or through all application channels or platforms.
As Low As
$20,000
$20,000
$20,000
As Low As
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
Cedar City Debt Consolidation Loan Rates
Cedar City 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
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.
Credit Score: 850-750
Cedar City, UT Personal Loan Rate Trends
Compare local Cedar City, UT 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 0.158 points over the past 7 days to 11.478% APR.
Utah signature loan rates fell 0.527 points over the past 7 days to 12.057% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cedar City, 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 Cedar City, 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 Cedar City, 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 Cedar City, Utah?
What are the best personal loan rates in Cedar City, Utah?
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.11% (Construction Loan)
- Chartway Credit Union: 8.24% (Personal Loans)
- Delta Community Credit Union: 4.09% (24 months Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
Personal Loan Calculators
