Best Personal Loan Rates in Salt Lake City, 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 Salt Lake City, Utah include: Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.09% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union769 E South Temple, Salt Lake City, UT, 84102 1221A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, Granite Federal Credit UnionGranite Federal Credit Union3675 S 900 E, Salt Lake City, UT, 84106A+5.0 ★Texas Ratio: 2.69% offering 5 years Loan at 5.99% APR, UTAH COMMUNITYUTAH COMMUNITY39 W 2100 S, Salt Lake City, UT, 84115C3.8 ★Texas Ratio: 2.75% offering Credit Builder Loan at 6.00% APR, and American United Federal Credit UnionAmerican United Federal Credit Union500 Foothill Dr, Salt Lake City, UT, 84148 0001A5.0 ★Texas Ratio: 6.78% offering Construction Loan at 6.25% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Salt Lake City has 23 local institutions in our database, with personal loan rates as low as 4.09% APR from Delta Community Credit Union at 3920 W Terminal Dr, Salt Lake City, UT, 84116. 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 Salt Lake City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Salt Lake 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: July 25, 2026
Salt Lake City Personal Loan Rates
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Minimum balance $20,000
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Minimum balance $30,000
Minimum balance of $30,000 required for this term.
No additional details available.
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As Low As; Fixed Intro Rate
As low as
No additional details available.
LTV: 80%
No additional details available.
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As Low As; Fixed Intro Rate
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
LTV: 80%
No additional details available.
Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As low as
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
No additional details available.
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. 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
Model Year: 2018-2025
No additional details available.
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As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
Origination Fee: 1.00%; LTV: 80%
No additional details available.
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APR as low as
As low as
As Low As
As Low As; Rates subject to change without notice.
Includes a 0.25% discount for direct deposit.
No additional details available.
Estimated monthly payment: $18.02 per $1,000 borrowed
As Low As
As Low As; Fixed Intro Rate
No additional details available.
As low as
60% Appraised Value
No additional details available.
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
as low as
As Low As; Payment (per $1,000): $87.80
as low as
as low as
as low as
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As Low As
as low as
as low as
as low as
as low as
As Low As; Payment (per $1,000): $87.92
No additional details available.
OAC
Rates As Low As & Subject to Change; Annual Percentage Rate; 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
PROMO
Credit Score: 749-700
PROMO
As Low As
Credit Score: 749-700
PROMO
As Low As
Credit Score: 699-650
As Low As
As Low As
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
PROMO
Credit Score: 699-650
As Low As
Estimated monthly payment: $87.91 per $1,000 borrowed
No additional details available.
As Low As
PROMO
No additional details available.
As Low As
As Low As
Fixed
No additional details available.
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Estimated monthly payment: $32.73 per $1,000 borrowed
No additional details available.
Variable Rate
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Rate Type: Variable; Estimated monthly payment: $26.33 per $1,000 borrowed**
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Estimated monthly payment: $26.33 per $1,000 borrowed
Variable Rate
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Variable Rate
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All credit sale plans are issued by Block, Inc. Purchase amounts must be from $49 to $10,000. Sales tax, where applicable, will be due at checkout. All plans subject to credit approval and other factors.
No additional details available.
As Low As
$100; Overdraft Line of Credit (Open-end)
Credit Score: 649-600
Credit Score: 599-500
$500.00 Maximum & $1,000 Maximum
$500; Fast Cash Loan (No Credit Check)
No additional details available.
Rates starting at; Click for more details.
No additional details available.
Credit Score: 800+
Credit Score: 800+
Fixed Rates
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70% LTV
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3 year call - 80% LTV
Credit Score: 730-799
No additional details available.
No additional details available.
As low as
LTV: 80%
70% LTV
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
Credit Score: 700-729
No additional details available.
Credit Score: 651-699
No additional details available.
As low as
80% LTV
LTV: 80%
As Low As
As Low As
$20,000
Credit Score: 730-799
No additional details available.
$20,000
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
$20,000
Credit Score: 700-729
No additional details available.
Credit Score: 651-699
No additional details available.
As low as; *
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As Low As
Learn More
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Starting at; Up to $4,000; Click for more details.
30-35% Down
As Low As; Signature Loans
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Credit Score: 800+
As low as; Rates effective as of 05/29/2026. Rates subject to change without notice.
Credit Score: A+ >740
No additional details available.
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Credit Score: A 690-739
As Low As; Signature Loans
Credit Score: 600-650
No additional details available.
No additional details available.
No additional details available.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; Signature Loans
No additional details available.
Salt Lake City Personal Loan Rates
Minimum balance of $30,000 required for this term.
No additional details available.
No additional details available.
APR as low as
As Low As; Rates subject to change without notice.
No additional details available.
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As Low As; Payment (per $1,000): $87.80
As Low As; Payment (per $1,000): $87.92
No additional details available.
Estimated monthly payment: $87.91 per $1,000 borrowed
No additional details available.
Fixed
Estimated monthly payment: $32.73 per $1,000 borrowed
Rate Type: Variable; Estimated monthly payment: $26.33 per $1,000 borrowed**
Estimated monthly payment: $26.33 per $1,000 borrowed
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
$20,000
$20,000
$20,000
As Low As
Learn More
Starting at; Up to $4,000; Click for more details.
No additional details available.
Salt Lake City Debt Consolidation Loan Rates
Salt Lake City Signature Loan Rates
As low as
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rates As Low As & Subject to Change; Annual Percentage Rate; 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
Credit Score: 749-700
As Low As
Credit Score: 749-700
As Low As
Credit Score: 699-650
As Low As
Rates As Low As & Subject to Change; Annual Percentage Rate; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Credit Score: 699-650
As Low As
As Low As
As Low As
No additional details available.
Rates As Low As & Subject to Change; Annual Percentage Rate; 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.
No additional details available.
Variable Rate
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Credit Score: 649-600
Credit Score: 599-500
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
As Low As; Signature Loans
As low as; Rates effective as of 05/29/2026. Rates subject to change without notice.
No additional details available.
As Low As; Signature Loans
No additional details available.
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; Signature Loans
Salt Lake City, UT Personal Loan Rate Trends
Compare local Salt Lake 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 currently average 11.637% APR.
Utah signature loan rates rose 0.046 points over the past 7 days to 12.649% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Salt Lake 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 Salt Lake 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 Salt Lake 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 Salt Lake City, Utah?
What are the best personal loan rates in Salt Lake City, Utah?
- Delta Community Credit Union: 4.09% (24 months Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- Granite Federal Credit Union: 5.99% (5 years Loan)
- UTAH COMMUNITY: 6.00% (Credit Builder Loan)
- American United Federal Credit Union: 6.25% (Construction Loan)
Personal Loan Calculators
