Oak City, Utah Best Personal Loan Rates - September 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 Oak City, Utah include: Happen BankHappen BankA+5.0 ★Texas Ratio: 4.05% offering Personal Loan at 6.53% APR, Steuben Citizens Federal Credit UnionSteuben Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering Personal Loans - up to 36 months at 7.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Personal Loan at 7.49% APR, LOCOGA Federal Credit UnionLOCOGA Federal Credit UnionA5.0 ★Texas Ratio: 10.18% offering Signature Loans at 7.50% APR, and Bread FinancialBread FinancialB4.5 ★Texas Ratio: 21.05% offering Fixed Interest Personal Loans at 7.99% APR. Personal loan rates as of September 15, 2026 according to verified data from MonitorBankRates.
Oak City borrowers have access to 46 lenders serving the Utah area, with personal loan rates as low as 6.53% APR from Happen Bank. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Oak City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oak 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: September 15, 2026
Oak City Personal Loan Rates
APRs as low as 6.53%. Funding is as little as 24 hours.
No additional details available.
As Low As
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
Term: 24, 36, 48, or 60 month terms; Rates range from 7.99% to 20.99% APR. APRs will vary depending on credit qualifications, loan amount and term. To be eligible, an applicant must not have had an outstanding Bread LoansTM loan within the prior six months. We are unable to consolidate balances from Comenity Bank or Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. creditor accounts. Your loan amount may only be routed to an account with a US-based financial institution that can be verified by our third-party verification service. Our third-party verification service cannot verify information for all financial institutions. If you continue to get an error when entering your account information, try an account with a different financial institution.
As low as
No additional details available.
No additional details available.
$20,000
As Low As; 0.25% discount for direct deposit. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit.
No additional details available.
Credit Score: 800+; *
$20,000
As Low As; Rates effective as of 05/29/2026.
As low as
No additional details available.
$20,000; Term: Up to 72 months ($5,000 min)
Rates subject to change without notice.
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.
Fixed APR as low as; Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
No additional details available.
No additional details available.
No additional details available.
Fixed
Fixed
No additional details available.
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
APR is Annual Percentage Rate. Rates subject to change without notice.
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 850-750; $5,000+
Fixed
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
No additional details available.
Credit Score: 749-700
No additional details available.
Credit Score: 750 - 799; *
As low as
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 749-700; $5,000+
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
No additional details available.
As low as
As Low As
No additional details available.
No additional details available.
Credit Score: 699-650
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
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.
As low as
As low as
As Low As
Credit Score: 699-650; $5,000+
No additional details available.
As low as
No additional details available.
No additional details available.
As low as
As low as
As Low As
As low as
Variable APR
No additional details available.
As Low As
As Low As
Your rate may be higher depending on credit history and underwriting criteria. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Membership, eligibility & conditions are required.
As Low As
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.
No additional details available.
Variable Rate
Maximum loan amount $5,000; APR range: 12.75% - 15.75%*
No additional details available.
No additional details available.
Credit Score: 700 - 749; *
No additional details available.
Variable rate
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Term: Unlimited 1% Cash Back Signature Card; Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria.
Variable Rate
No additional details available.
No additional details available.
Credit Score: 650 -699; *
No additional details available.
Credit Score: 649-600
Term: Unlimited 1.5% Cash Back Signature Card; Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria.
Credit Score: 599-500
Max loan amount: $15,000. Other requirements: LENGTH OF SERVICE: 0-4 Years, LOAN AMOUNT PER PERSON: $0.00; 4-8 Years, LOAN AMOUNT PER PERSON: $3,000.00; 8-10 Years, LOAN AMOUNT PER PERSON: $5,000.00; over 10 Years, LOAN AMOUNT PER PERSON: $7,500.00.
Credit Score: 600 - 649; *
Credit Score: 599 and lower; *
Oak City Personal Loan Rates
APRs as low as 6.53%. Funding is as little as 24 hours.
No additional details available.
As Low As
Term: 24, 36, 48, or 60 month terms; Rates range from 7.99% to 20.99% APR. APRs will vary depending on credit qualifications, loan amount and term. To be eligible, an applicant must not have had an outstanding Bread LoansTM loan within the prior six months. We are unable to consolidate balances from Comenity Bank or Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. creditor accounts. Your loan amount may only be routed to an account with a US-based financial institution that can be verified by our third-party verification service. Our third-party verification service cannot verify information for all financial institutions. If you continue to get an error when entering your account information, try an account with a different financial institution.
No additional details available.
No additional details available.
$20,000
As Low As; 0.25% discount for direct deposit. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit.
No additional details available.
$20,000
No additional details available.
$20,000; Term: Up to 72 months ($5,000 min)
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
As Low As
Variable APR
No additional details available.
Your rate may be higher depending on credit history and underwriting criteria. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Membership, eligibility & conditions are required.
As Low As
No additional details available.
Maximum loan amount $5,000; APR range: 12.75% - 15.75%*
Variable rate
No additional details available.
As Low As
No additional details available.
Oak City Debt Consolidation Loan Rates
Oak 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.
As low as
Rates subject to change without notice.
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.
Fixed APR as low as; Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
Fixed
Fixed
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
APR is Annual Percentage Rate. Rates subject to change without notice.
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 850-750; $5,000+
Fixed
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
Credit Score: 749-700
As low as
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 749-700; $5,000+
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As low as
As Low As
No additional details available.
Credit Score: 699-650
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
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.
As low as
As low as
Credit Score: 699-650; $5,000+
No additional details available.
As low as
As low as
As low as
Variable APR
As Low As
As Low As
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.
Variable Rate
No additional details available.
No additional details available.
As Low As
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Term: Unlimited 1% Cash Back Signature Card; Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria.
Variable Rate
No additional details available.
No additional details available.
No additional details available.
Credit Score: 649-600
Term: Unlimited 1.5% Cash Back Signature Card; Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria.
Credit Score: 599-500
Max loan amount: $15,000. Other requirements: LENGTH OF SERVICE: 0-4 Years, LOAN AMOUNT PER PERSON: $0.00; 4-8 Years, LOAN AMOUNT PER PERSON: $3,000.00; 8-10 Years, LOAN AMOUNT PER PERSON: $5,000.00; over 10 Years, LOAN AMOUNT PER PERSON: $7,500.00.
Oak City, UT Personal Loan Rate Trends
Compare local Oak 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 0.035 points over the past 7 days to 11.994% APR.
Utah signature loan rates rose 0.004 points over the past 7 days to 12.610% APR.
Oak City, UT Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current UT average personal loan APR of 11.99%, across the terms lenders serving Oak City, Utah most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $235.35/mo | $166.06/mo | $131.65/mo | $111.21/mo |
| $10,000 | $470.71/mo | $332.11/mo | $263.31/mo | $222.41/mo |
| $15,000 | $706.06/mo | $498.17/mo | $394.96/mo | $333.62/mo |
| $25,000 | $1,176.77/mo | $830.28/mo | $658.27/mo | $556.03/mo |
| $35,000 | $1,647.47/mo | $1,162.40/mo | $921.58/mo | $778.45/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Oak City, Utah
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the UT personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (UT average) | 11.99% | $394.96 | $3,958 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,192 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,726 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,318 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Oak City, Utah
Prequalify With a Soft Credit Check
Most lenders serving Oak City, Utah will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Utah data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Oak City, Utah auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Oak City, Utah high-yield savings account costs nothing and earns interest instead of paying it
Utah Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $395 monthly loan payment is roughly 10.8% of the median individual income in Utah. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Oak City, Utah.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current UT average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oak 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 Oak 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 Oak 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 Oak City, Utah?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Oak City, Utah?
- Happen Bank: 6.53% (Personal Loan)
- Steuben Citizens Federal Credit Union: 7.00% (Personal Loans - up to 36 months)
- Baxter Credit Union: 7.49% (Personal Loan)
- LOCOGA Federal Credit Union: 7.50% (Signature Loans)
- Bread Financial: 7.99% (Fixed Interest Personal Loans)
Oak City, Utah Rates & Resources
Personal Loan Calculators
