Best Personal Loan Rates in Utah - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in 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 Union147 26th st, Ogden, UT, 84401A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, West Branch Valley Federal Credit UnionWest Branch Valley Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A+5.0 ★Texas Ratio: 3.04% offering 2018- 2027 Model Year Loan at 4.74% APR, Jordan Federal Credit UnionJordan Federal Credit Union9260 S 300 E, Sandy, UT, 84070A+5.0 ★Texas Ratio: 2.87% offering 90 Days No Payments Loan at 4.74% APR, and San Juan Credit UnionSan Juan Credit Union296 E CENTER STREET, MONTICELLO, UT, 84535A5.0 ★Texas Ratio: 10.18% offering 60 months or less (term) Loan at 4.95% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Utah side-by-side. Utah personal loan rates currently start as low as 4.09% APR from Delta Community Credit Union at 3920 W Terminal Dr, Salt Lake City, UT, 84116. 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 Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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
Utah Personal Loan Rates
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Minimum balance $20,000
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Rates starting at; Click for more details.
Credit Score: 800+
Credit Score: 800+
No additional details available.
Fixed Rates
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Minimum balance $30,000
No additional details available.
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Minimum balance of $30,000 required for this term.
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70% LTV
No additional details available.
No additional details available.
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As Low As; Fixed Intro Rate
No additional details available.
As low as
3 year call - 80% LTV
Credit Score: 730-799
No additional details available.
No additional details available.
As low as
No additional details available.
LTV: 80%
70% LTV
LTV: 80%
No additional details available.
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.
No additional details available.
As Low As; Fixed Intro Rate
Credit Score: 700-729
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%.
Credit Score: 651-699
No additional details available.
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
As low as
LTV: 80%
No additional details available.
80% LTV
LTV: 80%
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
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
$20,000
As Low As
No additional details available.
No additional details available.
Credit Score: 730-799
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%.
$20,000
No additional details available.
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
No additional details available.
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
$20,000
No additional details available.
No additional details available.
Origination Fee: 1.00%; LTV: 80%
Credit Score: 700-729
No additional details available.
Credit Score: 651-699
No additional details available.
No additional details available.
As low as; *
No additional details available.
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As Low As
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APR as low as
Learn More
No additional details available.
Starting at; Up to $4,000; Click for more details.
As low as
30-35% Down
As Low As; Signature Loans
Includes a 0.25% discount for direct deposit.
As Low As
As Low As; Rates subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 800+
Credit Score: A+ >740
Estimated monthly payment: $18.02 per $1,000 borrowed
As Low As
As low as; Rates effective as of 05/29/2026. Rates subject to change without notice.
As Low As; Fixed Intro Rate
No additional details available.
As low as
60% Appraised Value
No additional details available.
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No additional details available.
Credit Score: A 690-739
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; Signature Loans
Credit Score: 600-650
No additional details available.
No additional details available.
No additional details available.
as low as
Fixed. Your rate will be based on your credit score at the time the loan is requested.
As Low As; Payment (per $1,000): $87.80
No additional details available.
as low as
as low as
as low as
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.
As Low As; Signature Loans
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.
Utah Personal Loan Rates
Minimum balance of $30,000 required for this term.
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
No additional details available.
No additional details available.
APR as low as
Learn More
Starting at; Up to $4,000; Click for more details.
As Low As; Rates subject to change without notice.
No additional details available.
No additional details available.
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No additional details available.
As Low As; Payment (per $1,000): $87.80
As Low As; Payment (per $1,000): $87.92
No additional details available.
Utah Debt Consolidation Loan Rates
Utah 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.
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.
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
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.
Utah Personal Loan Rate Trends
Compare local Utah 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 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 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 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 Utah?
What are the best personal loan rates in Utah?
- Delta Community Credit Union: 4.09% (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)
- Jordan Federal Credit Union: 4.74% (90 Days No Payments Loan)
- San Juan Credit Union: 4.95% (60 months or less (term) Loan)
