Best Personal Loan Rates in Kamas, 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 Kamas, Utah include: Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.39% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, UTAH COMMUNITYUTAH COMMUNITYC3.8 ★Texas Ratio: 2.75% offering 3 Years / 36 Months Loan at 4.74% APR, and Nelnet BankNelnet BankA+5.0 ★Texas Ratio: 1.05% offering Parent Loans at 4.99% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Kamas borrowers have access to 37 lenders serving the Utah area, with personal loan rates as low as 4.39% APR from Delta Community Credit Union. 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 Kamas, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kamas, 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 29, 2026
Kamas Personal Loan Rates
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As Low As
As Low As; Model Year: 2019-2026
No additional details available.
As Low As
Minimum balance of $20,000 required.
Fixed Rates; See Disclaimer
No additional details available.
FICO Score: 730+
No additional details available.
As Low As; Model Year: 2019-2026
As Low As; Model Year: 2019-2026
FICO Score: 730+
No additional details available.
Minimum balance of $30,000 required.
No additional details available.
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FICO Score: 680-729
AS LOW AS
FICO Score: 680-729
No additional details available.
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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.
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As Low As; Model Year: 2011-2018
As Low As; Model Year: 2019-2026
As Low As
Variable Rate Thereafter: 6.24%
No additional details available.
No additional details available.
As Low As; Model Year: 2011-2018
As Low As
No additional details available.
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As Low As
LTV: 80%
No additional details available.
Variable Rate Thereafter: 6.74%
No additional details available.
As Low As; Model Year: 2011-2018
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; Interest Rate: 6.5%
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
No additional details available.
As Low As
FICO Score: 640-679
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
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
$20,000
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; 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%.
$20,000
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; Percentage rate depends on your Beacon Score and can increase depending on this score.
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: 2010-2017
$20,000
LTV: 75%
Origination Fee: 1.00%; LTV: 80%
As low as*
No additional details available.
As Low As
No additional details available.
Maximum Loan/Term: $20,000; Second Rate: 7.99%
Up to $4,000
As Low As
As Low As; Signature Loans
Includes a 0.25% discount for direct deposit.
As Low As
As Low As
Variable Rate Thereafter: 8.99%
Estimated monthly payment: $18.02 per $1,000 borrowed; Rate Type: Fixed
Credit Score: A+ >740
Maximum Loan/Term: $20,000; Second Rate: 8.49%
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.
Credit Score: A 690-739
As Low As; Signature Loans
FICO Score: 600-639
No additional details available.
Maximum Loan/Term: $15,000; Second Rate: 9.49%
FICO Score: 600-639
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
No additional details available.
Model Year: 2018-2025
As Low As
As Low As; Model Year: 2018-2025
As Low As; Signature Loans
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.
Credit Score: 850-750
Credit Score: B 660-689
Credit Score: 850-750
As Low As; Signature Loans
As Low As
Rates are subject to change without notice.
Credit Score: 749-700
As Low As
Credit Score: 749-700
As Low As; Signature Loans
As Low As
Credit Score: 699-650
As Low As
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: 699-650
As Low As
As Low As
Fixed
As Low As
As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details. Interest rate is variable and may change after loan funding.
As Low As
Kamas Personal Loan Rates
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
No additional details available.
Up to $4,000
Includes a 0.25% discount for direct deposit.
As Low As
Fixed
Kamas Debt Consolidation Loan Rates
Kamas Signature Loan Rates
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
As Low As; Signature Loans
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; Signature Loans
No additional details available.
As Low As; Signature Loans
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
Credit Score: 850-750
As Low As; Signature Loans
As Low As
Credit Score: 749-700
As Low As
Credit Score: 749-700
As Low As; Signature Loans
As Low As
Credit Score: 699-650
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
Credit Score: 699-650
As Low As
As Low As
As Low As
Kamas, UT Personal Loan Rate Trends
Compare local Kamas, 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 0.419 points over the past 7 days to 11.962% APR.
Utah signature loan rates currently average 11.687% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kamas, 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 Kamas, 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 Kamas, 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 Kamas, Utah?
What are the best personal loan rates in Kamas, Utah?
- Delta Community Credit Union: 4.39% (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)
Personal Loan Calculators
