Best Personal Loan Rates in Willard, 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 Willard, Utah include: Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.39% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit UnionA+5.0 ★Texas Ratio: 3.04% offering 2018- 2027 Model Year Loan at 4.74% APR, Logan Medical Federal Credit UnionLogan Medical Federal Credit UnionA+5.0 ★Texas Ratio: 3.72% offering 2016-2026 Loan at 4.74% APR, and San Juan Credit UnionSan Juan Credit UnionA5.0 ★Texas Ratio: 10.18% offering 60 months or less (term) Loan at 4.95% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Willard borrowers have access to 30 lenders serving the Utah area, with personal loan rates as low as 4.39% APR from Delta Community Credit Union. 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 Willard, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Willard, 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 11, 2026
Willard Personal Loan Rates
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As low as; Vehicle
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Minimum balance of $20,000 required.
Credit Score: 800+
Credit Score: 800+
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As low as; Vehicle
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APR= Annual Percentage Rate. See "Learn More" for qualification and additional information.
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Minimum balance of $30,000 required.
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70% LTV. Assumes purchase of a primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740. Actual rates, fees, and APRs may vary.
As low as; Vehicle
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As Low As
As low as; Vehicle
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As Low As; Variable Rate Thereafter: 6.24%
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As Low As
3 year call - 80% LTV. Assumes purchase of a primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740. Actual rates, fees, and APRs may vary.
No additional details available.
Credit Score: 730-799
As low as; Vehicle
No additional details available.
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LTV: 80%
70% LTV. Assumes purchase of a primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740. Actual rates, fees, and APRs may vary.
LTV: 80%
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As Low As; Variable Rate Thereafter: 6.74%
Credit Score: 700-729
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Credit Score: 651-699
No additional details available.
As Low As; Interest Rate: 6.5%
LTV: 80%
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80% LTV. Assumes purchase of a primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740. Actual rates, fees, and APRs may vary.
As low as; Model Year: 2018-2025
As low as; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
As low as; Model Year: 2018-2025
As low as; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As
$20,000
As Low As
LTV: 80%
LTV: 80%
Credit Score: 730-799
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
$20,000
As low as; Model Year: 2010-2017
As low as; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
As low as; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
$20,000
As low as; Model Year: 2010-2017
LTV: 75%
Origination Fee: 1.00%; LTV: 80%
Credit Score: 700-729
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Credit Score: 651-699
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As low as; *
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As Low As
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Rates may vary according to .
As Low As
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7.99% for Credit Grade A+; Maximum Loan/Term: $20,000
As Low As
30-35% Down. Assumes purchase of a primary residence, single-family dwelling in Utah with a 20% down payment. Rate-lock period is 30 days and assumed credit score is 740. Actual rates, fees, and APRs may vary.
As Low As; Signature Loans
Includes a 0.25% discount for direct deposit.
As Low As; Holiday Loan
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Rate based on credit score. Rate is 8.95% for 800+ credit score.
As Low As; Fixed
As Low As; Holiday Loan
As Low As; Variable Rate Thereafter: 8.99%
8.49% for Credit Grade A; Maximum Loan/Term: $20,000
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
Estimated monthly payment: $18.02 per $1,000 borrowed; Rate Type: Fixed
60% Appraised Value
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Up to $5,000.00
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As Low As; Signature Loans
Credit Score: 600-650
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Fixed
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9.49% for Credit Grade B; Maximum Loan/Term: $15,000
As Low As
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As Low As; Model Year: 2018-2025
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As Low As; Model Year: 2018-2025
Willard Personal Loan Rates
$20,000
$20,000
$20,000
As Low As
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Rates may vary according to .
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Includes a 0.25% discount for direct deposit.
Up to $5,000.00
As Low As
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Willard Debt Consolidation Loan Rates
Willard Signature Loan Rates
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.
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As Low As; Signature Loans
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Fixed
Willard, UT Personal Loan Rate Trends
Compare local Willard, 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 fell 0.259 points over the past 7 days to 11.702% APR.
Utah signature loan rates rose 0.946 points over the past 7 days to 12.633% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Willard, 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 Willard, 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 Willard, 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 Willard, Utah?
What are the best personal loan rates in Willard, Utah?
- Delta Community Credit Union: 4.39% (24 months Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- West Branch Valley Federal Credit Union: 4.74% (2018- 2027 Model Year Loan)
- Logan Medical Federal Credit Union: 4.74% (2016-2026 Loan)
- San Juan Credit Union: 4.95% (60 months or less (term) Loan)
Personal Loan Calculators
