Best Personal Loan Rates in Santa Clara, Utah (UT) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Current personal loan options available to borrowers in Santa Clara, Utah include: America First Federal Credit UnionAmerica First Federal Credit Union3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, 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, Wellspring Federal Credit UnionWellspring Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070A5.0 ★Texas Ratio: 7.50% offering LAND LOANS at 4.99% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union147 26th st, Ogden, UT, 84401A+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, and Nelnet BankNelnet Bank13907 S Minuteman Dr, Draper, UT, 84020A+5.0 ★Texas Ratio: 1.05% offering Parent Loans at 5.97% APR. Personal loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
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 Santa Clara, 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 Santa Clara, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Santa Clara, 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 26, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3520 Pioneer Pkwy, Santa Clara, UT, 84765 5755
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedMarch 26, 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
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 26, 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%
▼
APR4.64%
Last UpdatedMarch 26, 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%
▼
APR4.80%
Last UpdatedMarch 26, 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%
▼
APR4.99%
Last UpdatedMarch 26, 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%
▼
APR5.25%
Last UpdatedMarch 26, 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%
▼
APR5.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT, 84401
Lot Loan Special 1-year balloon
5.90%
▼
APR5.90%
Last UpdatedMarch 26, 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
5.97%
▼
APR5.97%
Last UpdatedMarch 26, 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%
▼
APR5.99%
Last UpdatedMarch 26, 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%
▼
APR6.00%
Last UpdatedMarch 26, 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
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT, 84401
One-Time Close Construction Loan
6.40%
▼
APR6.40%
Last UpdatedMarch 26, 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
Equity Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 26, 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%
▼
APR6.50%
Last UpdatedMarch 26, 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%
▼
APR6.50%
Last UpdatedMarch 26, 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%
▼
APR6.50%
Last UpdatedMarch 26, 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
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
As Low As; Two time close
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%
▼
APR6.50%
Last UpdatedMarch 26, 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%
▼
APR6.50%
Last UpdatedMarch 26, 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%
▼
APR6.53%
Last UpdatedMarch 26, 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
Construction Loans
6.62%
▼
APR6.62%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Construction Loans
6.63%
▼
APR6.63%
Last UpdatedMarch 26, 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%
▼
APR6.63%
Last UpdatedMarch 26, 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
6.63%
▼
APR6.63%
Last UpdatedMarch 26, 2026
Details
As Low As; One time close
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%
▼
APR6.63%
Last UpdatedMarch 26, 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
Loan Special
6.90%
▼
APR6.90%
Last UpdatedMarch 26, 2026
Details
*Up to $10,000, new money only. Now through January 2, 2026.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT, 84663
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 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%
▼
APR6.99%
Last UpdatedMarch 26, 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
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 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%
▼
APR7.00%
Last UpdatedMarch 26, 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%
▼
APR7.00%
Last UpdatedMarch 26, 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%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
In-House Lot Loan
7.01%
▼
APR7.01%
Last UpdatedMarch 26, 2026
Details
5 Yr Balloon
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT, 84066
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedMarch 26, 2026
Details
As Low As; up to 72 months
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.24%
▼
APR7.24%
Last UpdatedMarch 26, 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
30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 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%
▼
APR7.25%
Last UpdatedMarch 26, 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%
▼
APR7.25%
Last UpdatedMarch 26, 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%
▼
APR7.25%
Last UpdatedMarch 26, 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%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
In-House Lot Loan
7.28%
▼
APR7.28%
Last UpdatedMarch 26, 2026
Details
10 Yr Balloon
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 26, 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
Building Lot Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 26, 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%
▼
APR7.49%
Last UpdatedMarch 26, 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%
▼
APR7.50%
Last UpdatedMarch 26, 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%
▼
APR7.50%
Last UpdatedMarch 26, 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%
▼
APR7.50%
Last UpdatedMarch 26, 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%
▼
APR7.50%
Last UpdatedMarch 26, 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%
▼
APR7.50%
Last UpdatedMarch 26, 2026
Details
LTV 80%
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT, 84401
Construction Loan
7.69%
▼
APR7.69%
Last UpdatedMarch 26, 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
7.74%
▼
APR7.74%
Last UpdatedMarch 26, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT, 84604
UTV Loans Older Models
7.74%
▼
APR7.74%
Last UpdatedMarch 26, 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%
▼
APR7.75%
Last UpdatedMarch 26, 2026
Details
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
10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 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
10-Year Lot Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 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
Construction & Lot Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 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
Construction & Lot Loan 10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 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%
▼
APR7.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT, 84070 6422
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMarch 26, 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%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT, 84020
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 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%
▼
APR7.99%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 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 Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
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%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.24%
Last UpdatedMarch 26, 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%
▼
APR8.24%
Last UpdatedMarch 26, 2026
Details
$20,000
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 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%
▼
APR8.25%
Last UpdatedMarch 26, 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%
▼
APR8.49%
Last UpdatedMarch 26, 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%
▼
APR8.50%
Last UpdatedMarch 26, 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%
▼
APR8.74%
Last UpdatedMarch 26, 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 12-month
8.74%
▼
APR8.74%
Last UpdatedMarch 26, 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 Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 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%
▼
APR8.95%
Last UpdatedMarch 26, 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
Adventure Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 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 24-month
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 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%
▼
APR8.99%
Last UpdatedMarch 26, 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%
▼
APR9.00%
Last UpdatedMarch 26, 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 Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
9.04%
▼
APR9.04%
Last UpdatedMarch 26, 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 Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 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%
▼
APR9.25%
Last UpdatedMarch 26, 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%
▼
APR9.39%
Last UpdatedMarch 26, 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%
▼
APR9.49%
Last UpdatedMarch 26, 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%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
OAC
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT, 84116
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 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%
▼
APR9.59%
Last UpdatedMarch 26, 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%
▼
APR9.74%
Last UpdatedMarch 26, 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 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 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 Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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%
▼
APR9.75%
Last UpdatedMarch 26, 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 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 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
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 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
9.85%
▼
APR9.85%
Last UpdatedMarch 26, 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%
▼
APR9.99%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
10.04%
▼
APR10.04%
Last UpdatedMarch 26, 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%
▼
APR10.24%
Last UpdatedMarch 26, 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%
▼
APR10.24%
Last UpdatedMarch 26, 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%
▼
APR10.25%
Last UpdatedMarch 26, 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%
▼
APR10.25%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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 Loans
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
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%
▼
APR10.49%
Last UpdatedMarch 26, 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 Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
Up to 18 Months
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal Signature
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 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%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
10.54%
▼
APR10.54%
Last UpdatedMarch 26, 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
10.69%
▼
APR10.69%
Last UpdatedMarch 26, 2026
Details
Up to 24 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
10.69%
▼
APR10.69%
Last UpdatedMarch 26, 2026
Details
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT, 84057 2548
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 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
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 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%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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%
▼
APR10.75%
Last UpdatedMarch 26, 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%
▼
APR10.95%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Personal Loan
10.95%
▼
APR10.95%
Last UpdatedMarch 26, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 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
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 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 12-month
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
11.04%
▼
APR11.04%
Last UpdatedMarch 26, 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
11.19%
▼
APR11.19%
Last UpdatedMarch 26, 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
11.19%
▼
APR11.19%
Last UpdatedMarch 26, 2026
Details
Up to 48 Months
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Personal Loan
11.20%
▼
APR11.20%
Last UpdatedMarch 26, 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
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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%
▼
APR11.24%
Last UpdatedMarch 26, 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%
▼
APR11.24%
Last UpdatedMarch 26, 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%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT, 84401
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 26, 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 Loan
11.39%
▼
APR11.39%
Last UpdatedMarch 26, 2026
Details
Up to 60 Months
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMarch 26, 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%
▼
APR6.99%
Last UpdatedMarch 26, 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%
▼
APR7.00%
Last UpdatedMarch 26, 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%
▼
APR7.49%
Last UpdatedMarch 26, 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%
▼
APR7.90%
Last UpdatedMarch 26, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT, 84020
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 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
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 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
12-month Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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%
▼
APR8.00%
Last UpdatedMarch 26, 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**
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 2026
Details
$20,000
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT, 84074
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 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**
8.49%
▼
APR8.49%
Last UpdatedMarch 26, 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%
▼
APR8.74%
Last UpdatedMarch 26, 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 Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 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 Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 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 Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 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 Loans
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 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%
▼
APR9.74%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 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 Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 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 Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 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 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.00%
Last UpdatedMarch 26, 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%
▼
APR10.24%
Last UpdatedMarch 26, 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%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Personal Loan
10.95%
▼
APR10.95%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
4140 HARRISON BLVD, OGDEN, UT, 84403
Personal Loan
11.20%
▼
APR11.20%
Last UpdatedMarch 26, 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
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
As Low As; GREAT RATES FLEXIBLE TERMS AVAILABLE 24/7
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Santa Clara, UT currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
▼
APR7.50%
Last UpdatedMarch 26, 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%
▼
APR8.00%
Last UpdatedMarch 26, 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%
▼
APR8.24%
Last UpdatedMarch 26, 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%
▼
APR8.25%
Last UpdatedMarch 26, 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%
▼
APR8.99%
Last UpdatedMarch 26, 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%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
9.04%
▼
APR9.04%
Last UpdatedMarch 26, 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%
▼
APR9.25%
Last UpdatedMarch 26, 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%
▼
APR9.49%
Last UpdatedMarch 26, 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%
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
10.04%
▼
APR10.04%
Last UpdatedMarch 26, 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%
▼
APR10.24%
Last UpdatedMarch 26, 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%
▼
APR10.25%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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%
▼
APR10.29%
Last UpdatedMarch 26, 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
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 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%
▼
APR10.49%
Last UpdatedMarch 26, 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%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
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%
▼
APR10.49%
Last UpdatedMarch 26, 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
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
10.54%
▼
APR10.54%
Last UpdatedMarch 26, 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
10.69%
▼
APR10.69%
Last UpdatedMarch 26, 2026
Details
Up to 24 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
10.69%
▼
APR10.69%
Last UpdatedMarch 26, 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
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 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%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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%
▼
APR10.75%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 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
Signature Loan 12-month
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 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%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
Up to 36 Months
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
45 S Main St, FILLMORE, UT, 84631 5505
Personal Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT, 84129 2525
Signature Loan
11.04%
▼
APR11.04%
Last UpdatedMarch 26, 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%
▼
APR11.19%
Last UpdatedMarch 26, 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%
▼
APR11.19%
Last UpdatedMarch 26, 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
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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 24-month
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT, 84401
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 26, 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 Loan
11.39%
▼
APR11.39%
Last UpdatedMarch 26, 2026
Details
Up to 60 Months
Powered by
MonitorBankRates
No home improvement personal loan rates found in Santa Clara, UT currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
Most lenders in Santa Clara, 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 Santa Clara, 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 Santa Clara, 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 Santa Clara, Utah?
Credit unions in Santa Clara, 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 Santa Clara, Utah?
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Wellspring Federal Credit Union: 4.99% (LAND LOANS)
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
- Nelnet Bank: 5.97% (Parent Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Santa Clara, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026.
Personal Loan Calculators
