Best Personal Loan Rates in Heber City, Utah - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Heber City, Utah include: UTAH COMMUNITYUTAH COMMUNITY875 S Main St, Heber City, UT, 84032 2464C3.8 ★Texas Ratio: 2.75% offering 3 Years / 36 Months Loan at 4.74% APR, America First Federal Credit UnionAmerica First Federal Credit Union271 W 1300 S, Heber City, UT, 84032A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union635 S Main St, Heber City, UT, 84032A5.0 ★Texas Ratio: 10.12% offering Construction Loan at 7.11% APR, Bank of UtahBank of Utah620 W 100 S, Heber City, UT, 84032A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR, and Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.39% APR. Personal loan rates as of July 7, 2026 according to verified data from MonitorBankRates.
Heber City has 4 local institutions in our database, with personal loan rates as low as 4.74% APR from UTAH COMMUNITY at 875 S Main St, Heber City, UT, 84032 2464. 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 Heber City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Heber 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: July 7, 2026
Heber City Personal Loan Rates
As Low As; Model Year: 2019-2026
As Low As; Model Year: 2019-2026
As Low As; Model Year: 2019-2026
As Low As; Model Year: 2011-2018
As Low As; Model Year: 2019-2026
As Low As
As Low As; Model Year: 2011-2018
Variable Rate Thereafter: 6.24%
As Low As; Model Year: 2011-2018
Variable Rate Thereafter: 6.74%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
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; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
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: 2010-2017
As Low As; Model Year: 2018-2025
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
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
Variable Rate Thereafter: 8.99%
As Low As
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
No additional details available.
Model Year: 2018-2025
As Low As
As Low As
As Low As
As Low As
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.
As Low As
No additional details available.
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As low as; Vehicle
No additional details available.
Minimum balance of $20,000 required.
Credit Score: 800+
Credit Score: 800+
No additional details available.
No additional details available.
No additional details available.
As low as; Vehicle
No additional details available.
No additional details available.
Minimum balance of $30,000 required.
No additional details available.
No additional details available.
AS LOW AS
No additional details available.
No additional details available.
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As low as; Vehicle
No additional details available.
No additional details available.
No additional details available.
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As low as; Vehicle
No additional details available.
No additional details available.
No additional details available.
Credit Score: 730-799
As low as; Vehicle
As Low As
No additional details available.
No additional details available.
LTV: 80%
LTV: 80%
No additional details available.
No additional details available.
Credit Score: 700-729
No additional details available.
Credit Score: 651-699
No additional details available.
No additional details available.
LTV: 80%
As Low As
$20,000
As Low As
As Low As
No additional details available.
Credit Score: 730-799
LTV: 80%
LTV: 80%
$20,000
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
$20,000
LTV: 75%
Origination Fee: 1.00%; LTV: 80%
Credit Score: 700-729
No additional details available.
Credit Score: 651-699
No additional details available.
As low as; *
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
7.99% for Credit Grade A+; Maximum Loan/Term: $20,000
Up to $4,000
As Low As
As Low As
Includes a 0.25% discount for direct deposit.
No additional details available.
No additional details available.
Rate based on credit score. Rate is 8.95% for 800+ credit score.
As Low As; Fixed
8.49% for Credit Grade A; Maximum Loan/Term: $20,000
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
Estimated monthly payment: $18.02 per $1,000 borrowed; Rate Type: Fixed
As Low As
Credit Score: A+ >740
As Low As
60% Appraised Value
No additional details available.
No additional details available.
Up to $5,000.00
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.
Credit Score: A 690-739
No additional details available.
Credit Score: 600-650
No additional details available.
No additional details available.
Fixed
As Low As
9.49% for Credit Grade B; Maximum Loan/Term: $15,000
No additional details available.
Heber City Personal Loan Rates
As Low As
As Low As
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.
$20,000
$20,000
$20,000
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
Up to $4,000
Includes a 0.25% discount for direct deposit.
Up to $5,000.00
No additional details available.
Heber City Debt Consolidation Loan Rates
Heber City Signature Loan Rates
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
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.
No additional details available.
Fixed
Heber City, UT Personal Loan Rate Trends
Compare local Heber 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 fell 0.015 points over the past 7 days to 11.946% APR.
Utah signature loan rates rose 0.750 points over the past 7 days to 12.437% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Heber 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 Heber 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 Heber 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 Heber City, Utah?
What are the best personal loan rates in Heber City, Utah?
- UTAH COMMUNITY: 4.74% (3 Years / 36 Months Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.11% (Construction Loan)
- Bank of Utah: 12.74% (Unsecured Loans)
- Delta Community Credit Union: 4.39% (24 months Loan)
Personal Loan Calculators
