Best Personal Loan Rates in Provo, 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 Provo, Utah include: UTAH COMMUNITYUTAH COMMUNITY360 W 4800 N, Provo, UT, 84604C3.8 ★Texas Ratio: 2.75% offering 3 Years / 36 Months Loan at 4.74% APR, Utah First Federal Credit UnionUtah First Federal Credit Union310 N 100 W, Provo, UT, 84601A+5.0 ★Texas Ratio: 1.94% offering A+ Credit Grade Loan at 4.99% APR, Security Service Federal Credit UnionSecurity Service Federal Credit Union109 W 920 S, Provo, UT, 84601A5.0 ★Texas Ratio: 6.54% offering Power Rate Loan at 5.50% APR, America First Federal Credit UnionAmerica First Federal Credit Union1400 N State St, Provo, UT, 84604A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, and Mountain America Federal Credit UnionMountain America Federal Credit Union88 N 500 W, Provo, UT, 84601 2616A5.0 ★Texas Ratio: 10.12% offering Construction Loan at 7.11% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Provo has 7 local institutions in our database, with personal loan rates as low as 4.74% APR from UTAH COMMUNITY at 360 W 4800 N, Provo, UT, 84604. 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 Provo, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Provo, 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
Provo Personal Loan Rates
As Low As; Model Year: 2019-2026
FICO Score: 730+
As Low As; Model Year: 2019-2026
FICO Score: 730+
As Low As; Model Year: 2019-2026
FICO Score: 680-729
AS LOW AS
FICO Score: 680-729
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%
FICO Score: 640-679
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
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; 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: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2010-2017
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
Variable Rate Thereafter: 8.99%
FICO Score: 600-639
FICO Score: 600-639
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.
As Low As
As Low As; Model Year: 2018-2025
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.
FICO Score: 550-599
FICO Score: 550-599
As Low As
FICO Score: <549
FICO Score: <549
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
Minimum balance of $20,000 required.
Fixed Rates; See Disclaimer
No additional details available.
No additional details available.
No additional details available.
Minimum balance of $30,000 required.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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.
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.
No additional details available.
As Low As
LTV: 80%
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
$20,000
As Low As
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%
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
Maximum Loan/Term: $20,000; Second Rate: 8.49%
Credit Score: A+ >740
As Low As
Estimated monthly payment: $18.02 per $1,000 borrowed; Rate Type: Fixed
As Low As
No additional details available.
Credit Score: A 690-739
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.
Maximum Loan/Term: $15,000; Second Rate: 9.49%
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
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
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
Provo Personal Loan Rates
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.
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
Provo Debt Consolidation Loan Rates
Provo Signature Loan Rates
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
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
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
Provo, UT Personal Loan Rate Trends
Compare local Provo, 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 Provo, 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 Provo, 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 Provo, 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 Provo, Utah?
What are the best personal loan rates in Provo, Utah?
- UTAH COMMUNITY: 4.74% (3 Years / 36 Months Loan)
- Utah First Federal Credit Union: 4.99% (A+ Credit Grade Loan)
- Security Service Federal Credit Union: 5.50% (Power Rate Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.11% (Construction Loan)
Personal Loan Calculators
