Best Personal Loan Rates in Roy, 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 Roy, Utah include: Goldenwest Federal Credit UnionGoldenwest Federal Credit Union5627 S 2050 W, Roy, UT, 84067A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union1935 W 4800 S, Roy, UT, 84067A+5.0 ★Texas Ratio: 2.48% offering 9-Month Construction Loan at 5.75% APR, America First Federal Credit UnionAmerica First Federal Credit Union4051 S 1900 W Bldg 5, Roy, UT, 84067A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union5770 S Missile Way BLDG 5, Roy, UT, 84067A5.0 ★Texas Ratio: 8.11% offering Personal Signature Loan - Closed at 9.49% APR, and Bank of UtahBank of Utah5729 S 1900 W, Roy, UT, 84067A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Roy has 5 local institutions in our database, with personal loan rates as low as 4.49% APR from Goldenwest Federal Credit Union at 5627 S 2050 W, Roy, UT, 84067. 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 Roy, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Roy, 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 16, 2026
Roy Personal Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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.
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.
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.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Utah Housing VA
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; 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; 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%.
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; Fixed APR
On Approved Credit (OAC). This is our best rate; your rate may be different depending on credit history and underwriting criteria. Rates are subject to change based on vehicle loan-to-value and term. Limited time offer. Refinance must be from another institution.
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.
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.
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
As Low As; Model Year: 2019-2026
As Low As
Fixed Rates; See Disclaimer
No additional details available.
FICO Score: 730+
As Low As; Model Year: 2019-2026
No additional details available.
No additional details available.
FICO Score: 730+
As Low As; Model Year: 2019-2026
No additional details available.
No additional details available.
No additional details available.
FICO Score: 680-729
FICO Score: 680-729
No additional details available.
No additional details available.
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
No additional details available.
No additional details available.
No additional details available.
Fixed
As Low As; Model Year: 2011-2018
As Low As; Model Year: 2019-2026
As Low As
As Low As; Variable Rate Thereafter: 6.24%
No additional details available.
As Low As; Model Year: 2011-2018
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
Fixed
As Low As
LTV: 80%
LTV: 80%
LTV: 80%
A personal loan up to $60,000 to cover expenses like a major purchase, home improvements, life events, etc.
Rates starting at 6.53% APR1
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 may not be available for all Personal Loan products and/or through all application channels or platforms.
No additional details available.
As Low As; Model Year: 2011-2018
As Low As; Variable Rate Thereafter: 6.74%
FICO Score: 640-679
No additional details available.
As Low As; Model Year: 2018-2025
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Fixed
LTV: 80%
FICO Score: 640-679
No additional details available.
As Low As
As Low As
As Low As
$20,000
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
LTV: 80%
LTV: 80%
$20,000
Fixed
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; 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
LTV: 75%
Origination Fee: 1.00%; LTV: 80%
As low as*
No additional details available.
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
As Low As
Includes a 0.25% discount for direct deposit.
No additional details available.
As Low As; Variable Rate Thereafter: 8.99%
Credit Score: A+ >740
Fixed Rate. Estimated monthly payment: $18.02 per $1,000 borrowed.
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
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.
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
FICO Score: 600-639
Maximum Loan/Term: $15,000; Second Rate: 9.49%
APR* (as low as)
As Low As; Payment (per $1,000): $87.92
APR* (as low as)
Model Year: 2018-2025
No additional details available.
Model Year: 2018-2025
No additional details available.
Model Year: 2018-2025
APR* (as low as)
No additional details available.
As Low As
Roy Personal Loan Rates
On Approved Credit (OAC). This is our best rate; your rate may be different depending on credit history and underwriting criteria. Rates are subject to change based on vehicle loan-to-value and term. Limited time offer. Refinance must be from another institution.
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.
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 may not be available for all Personal Loan products 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.
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
Roy Debt Consolidation Loan Rates
Rates starting at 6.53% APR1
Roy Signature Loan Rates
As Low As; Fixed APR
As Low As
On Approved Credit (OAC). This is our best rate; your rate may be different depending on credit history and underwriting criteria. Rates are subject to change based on vehicle loan-to-value and term. Limited time offer. Refinance must be from another institution.
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
No additional details available.
As Low As
Roy, UT Personal Loan Rate Trends
Compare local Roy, 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 0.105 points over the past 7 days to 11.510% APR.
Utah signature loan rates rose 0.016 points over the past 7 days to 12.648% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Roy, 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 Roy, 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 Roy, 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 Roy, Utah?
What are the best personal loan rates in Roy, Utah?
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- Wasatch Peaks Federal Credit Union: 5.75% (9-Month Construction Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Northrop Grumman Federal Credit Union: 9.49% (Personal Signature Loan - Closed)
- Bank of Utah: 12.74% (Unsecured Loans)
Personal Loan Calculators
