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Best Personal Loan Rates in Roy, Utah (UT) - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Utah borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 20, 2026

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: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, America First Federal Credit UnionAmerica First Federal Credit Union4051 S 1900 W Bldg 5, Roy, UT, 84067A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Ascent Federal Credit UnionAscent Federal Credit Union5997 S 3500 W, ROY, UT, 84067A+5.0 ★Texas Ratio: 4.38% offering Personal Loan at 11.45% APR, Bank of UtahBank of Utah5729 S 1900 W, Roy, UT, 84067A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR, and Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Roy, Utah can save you significantly over the life of your loan.

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: March 20, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT, 84067
Lot Loan Special 1-year balloon
5.90%
View
▼
APR5.90%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT, 84067
One-Time Close Construction Loan
6.40%
View
▼
APR6.40%
Last UpdatedMarch 21, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 20/5YR Balloon Variable
6.82%
View
▼
APR6.82%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 10 Year Variable
7.01%
View
▼
APR7.01%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 30/5YR Balloon Variable
7.05%
View
▼
APR7.05%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 20/5YR Balloon Fixed
7.28%
View
▼
APR7.28%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 10 Year Fixed
7.48%
View
▼
APR7.48%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
Lot Loan- 30/5YR Balloon Fixed
7.48%
View
▼
APR7.48%
Last UpdatedMarch 21, 2026
Details

As Low As

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT, 84067
Construction Loan
7.69%
View
▼
APR7.69%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT, 84067
Signature Loan
11.25%
View
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
5997 S 3500 W, ROY, UT, 84067
Personal Loan
11.45%
View
▼
APR11.45%
Last UpdatedMarch 21, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
4051 S 1900 W Bldg 5, Roy, UT, 84067
PERSONAL
12.49%
View
▼
APR12.49%
Last UpdatedMarch 21, 2026
Details

As Low As; Fixed

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5729 S 1900 W, Roy, UT, 84067
Unsecured Loans
12.74%
View
▼
APR12.74%
Last UpdatedMarch 21, 2026
Details

48 MO

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Refinance Loan
4.64%
View
▼
APR4.64%
Last UpdatedMarch 21, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedMarch 21, 2026
Details

As Low As

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT, 84070
LAND LOANS
4.99%
View
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT, 84070
Land Loans
5.25%
View
▼
APR5.25%
Last UpdatedMarch 21, 2026
Details

As Low As

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT, 84070
Land Loans
5.75%
View
▼
APR5.75%
Last UpdatedMarch 21, 2026
Details

As Low As

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT, 84020
Parent Loans
5.97%
View
▼
APR5.97%
Last UpdatedMarch 21, 2026
Details

As Low As

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
New Construction Loans
5.99%
View
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Credit Builder Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Construction Loan
6.25%
View
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details

As Low As

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Equity Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Construction Loans Two time close
6.50%
View
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Improved Lot Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Two time close

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans Two time close
6.50%
View
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Improved Lot Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details

As Low As

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loan
6.53%
View
▼
APR6.53%
Last UpdatedMarch 21, 2026
Details

As Low As

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Construction Loans One time close
6.63%
View
▼
APR6.63%
Last UpdatedMarch 21, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans
6.63%
View
▼
APR6.63%
Last UpdatedMarch 21, 2026
Details

As Low As; One time close

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans One time close
6.63%
View
▼
APR6.63%
Last UpdatedMarch 21, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loan Special
6.90%
View
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details

*Up to $10,000, new money only. Now through January 2, 2026.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT, 84084
Improved Lot Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Improved Lot Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Lot Loan (Improved)
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

Up to $3,000 for 36 months @ 6.00%

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Other Collateral Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.24%
View
▼
APR7.24%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Recreational Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 21, 2026
Details

As Low As; up to 72 months

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
30/2 balloon lot loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
30/5 balloon lot loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

balloon lot loan

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan 30/2 balloon lot loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan 30/5 balloon lot loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
HE Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Building Lot Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

American Express National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
115 W Towne Ridge Pkwy, Sandy, UT, 84070
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details

As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Other Collateral Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

Construction < 12 months

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan Construction < 12 months
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

LTV: 80%

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.74%
View
▼
APR7.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan 10 year lot loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT, 84120
Lot Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

Balloon (30 year amortization)

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Construction & Lot Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

year lot loan

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
10-year Lot Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

LTV: 75%

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
10 year lot loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to $35,000 ($1,000 minimum)

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Unsecured
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT, 84120
Lot Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

Balloon (30 year amortization)

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
12-month Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Signature Loan
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

$20,000

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
8.25%
View
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.49%
View
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details

$20,000

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Lot Loan (Unimproved)
8.50%
View
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details

As Low As

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.74%
View
▼
APR8.74%
Last UpdatedMarch 21, 2026
Details

$20,000

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Holiday Loan
8.74%
View
▼
APR8.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
8.95%
View
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details

No additional details available.

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Holiday Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details

As Low As

CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
302 E Lakeview Pkwy, Provo, UT, 84606
Signature
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT, 84106
Adventure Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
420 E South Temple Ste 520, Salt Lake City, UT, 84111 1362
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Premier Signature
9.25%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Consumer Loans
9.39%
View
▼
APR9.39%
Last UpdatedMarch 21, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Gibbons and Reed Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1000 N Warm Springs Rd, Salt Lake City, UT, 84116
Unsecured
9.50%
View
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details

As Low As; OAC

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Consumer Loans
9.59%
View
▼
APR9.59%
Last UpdatedMarch 21, 2026
Details

As Low As

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT, 84020
Parent Loans
9.85%
View
▼
APR9.85%
Last UpdatedMarch 21, 2026
Details

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
Consumer Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
10.24%
View
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.24%
View
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
56 N State St, Orem, UT, 84057
Other Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

Up to 18 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.69%
View
▼
APR10.69%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.69%
View
▼
APR10.69%
Last UpdatedMarch 21, 2026
Details

Up to 24 Months

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Unsecured/Signature Loan
10.75%
View
▼
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT, 84535
Unsecured Loans
10.95%
View
▼
APR10.95%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

Up to 36 Months

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 12-month
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
11.19%
View
▼
APR11.19%
Last UpdatedMarch 21, 2026
Details

Up to 48 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
11.19%
View
▼
APR11.19%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 24-month
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
11.39%
View
▼
APR11.39%
Last UpdatedMarch 21, 2026
Details

Up to 60 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
11.39%
View
▼
APR11.39%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 36-month
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
Signature Loan
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1023 Medical Dr, Brigham City, UT, 84302 3049
Personal
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

As Low As

Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
72 E 700 N, Logan, UT, 84321
Personal Loans
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Rate based on creditworthiness and term of loan.

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Signature
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
5997 S 3500 W, ROY, UT, 84067
Personal Loan
11.45%
View
▼
APR11.45%
Last UpdatedMarch 21, 2026
Details

As Low As

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loan
6.53%
View
▼
APR6.53%
Last UpdatedMarch 21, 2026
Details

As Low As

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
Personal Loan Special
6.90%
View
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details

*Up to $10,000, new money only. Now through January 2, 2026.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

Up to $3,000 for 36 months @ 6.00%

American Express National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
115 W Towne Ridge Pkwy, Sandy, UT, 84070
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details

As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.

Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to $35,000 ($1,000 minimum)

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT, 84116
12-month Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

$20,000

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.49%
View
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details

$20,000

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loans max**
8.74%
View
▼
APR8.74%
Last UpdatedMarch 21, 2026
Details

$20,000

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
9.74%
View
▼
APR9.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 1 Year / 12 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 2 Years / 24 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 3 Years / 36 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
Personal Loans 4 Years / 48 Months
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.24%
View
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT, 84025
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
72 E 700 N, Logan, UT, 84321
Personal Loans
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

As Low As; Rate based on creditworthiness and term of loan.

No debt consolidation personal loan rates found in Roy, UT currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT, 84067
Signature Loan
11.25%
View
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Signature Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details

As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Signature Loan
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
8.25%
View
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
302 E Lakeview Pkwy, Provo, UT, 84606
Signature
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
420 E South Temple Ste 520, Salt Lake City, UT, 84111 1362
Signature Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT, 84528
Premier Signature
9.25%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
Signature Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
10.24%
View
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.29%
View
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

Up to 18 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT, 84120 8205
Signature Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.69%
View
▼
APR10.69%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.69%
View
▼
APR10.69%
Last UpdatedMarch 21, 2026
Details

Up to 24 Months

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details

As Low As

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT, 84106 3270
Unsecured/Signature Loan
10.75%
View
▼
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 12-month
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

Up to 36 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
11.19%
View
▼
APR11.19%
Last UpdatedMarch 21, 2026
Details

Up to 48 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
11.19%
View
▼
APR11.19%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 24-month
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal / Signature / Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal/Signature/Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loan
11.39%
View
▼
APR11.39%
Last UpdatedMarch 21, 2026
Details

Up to 60 Months

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1678 Pioneer Rd, Salt Lake City, UT, 84104 4298
Signature Loans
11.39%
View
▼
APR11.39%
Last UpdatedMarch 21, 2026
Details

Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT, 84148 0001
Signature Loan 36-month
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4897 w lake park blvd ste 200, salt lake city, UT, 84120 8207
Signature Loans
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT, 84663
Signature Loan
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT, 84302 4357
Signature
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

No home improvement personal loan rates found in Roy, UT currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Utah?

Most lenders in Roy, Utah require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Utah often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Roy, Utah require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Utah?

Yes. Debt consolidation is one of the most common uses of personal loans in Roy, Utah. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Roy, Utah?

Credit unions in Roy, Utah often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Roy, Utah?

  • Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
  • America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
  • Ascent Federal Credit Union: 11.45% (Personal Loan)
  • Bank of Utah: 12.74% (Unsecured Loans)
  • Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Roy, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026.

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