Utah Best Personal Loan Rates - September 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: Happen BankHappen Bank2701 N Thanksgiving Way, Lehi, UT, 84043A+5.0 ★Texas Ratio: 4.05% offering Personal Loan at 6.53% APR, Steuben Citizens Federal Credit UnionSteuben Citizens Federal Credit Union4897 W Lake Park Blvd Ste 200, Salt Lake City, UT, 84120 8207A+5.0 ★Texas Ratio: 0.37% offering Personal Loans at 7.00% APR, Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 6.20% offering Personal Loan at 7.49% APR, LOCOGA Federal Credit UnionLOCOGA Federal Credit Union8520 S Sandy Pkwy, Sandy, UT, 84070 6422A5.0 ★Texas Ratio: 10.18% offering Signature Loans at 7.50% APR, and Bread FinancialBread Financial12921 S Vista Station Blvd, Draper, UT, 84020B4.5 ★Texas Ratio: 21.05% offering Fixed Interest Personal Loans at 7.99% APR. Personal loan rates as of September 22, 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 6.53% APR from Happen Bank at 2701 N Thanksgiving Way, Lehi, UT, 84043. Rates are continually updated, so 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: September 22, 2026
Utah Personal Loan Rates
APRs as low as 6.53%. Funding is as little as 24 hours.
No additional details available.
As Low As
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
Loans up to $35,000; No application or origination fees; $0 Accepting won't affect your credit score.
As low as; Loan Rate
No additional details available.
No additional details available.
Credit Grade: A+; Maximum Loan/Term: $20,000; APR: 7.99%
$20,000
As Low As; All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
Published APR range: 8.75% to 17.50%.
Credit Score: 800+; Rate is subject to change without notice.
$20,000
As low as; Rates effective as of 05/29/2026. Rates subject to change without notice.
Credit Grade: A; Maximum Loan/Term: $20,000; APR: 8.49%
As low as
Published APR range: 9.00% to 17.75%.
$20,000; Term: Up to 72 months ($5,000 min)
Rates subject to change without notice. APR* = Annual Percentage Rate.
No additional details available.
Published APR range: 9.25% to 17.75%.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Published APR range: 9.50% to 17.75%.
No additional details available.
Published APR range: 9.75% to 17.75%.
Published APR range: 9.75% - 16.75%. Fixed
Combine your bills into one easy payment; we'll payoff and close your consolidated accounts. No Collateral Necessary - Finance for up to 66 months based upon credit worthiness. Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 9/17/26. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 9/17/26. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
Credit Grade: B; Maximum Loan/Term: $15,000; APR: 9.49%
No additional details available.
OAC
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
Credit Score: 850-750
APR is Annual Percentage Rate. Rates subject to change without notice.
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 850-750; $5,000+
PROMO
Published APR range: 10.50% - 17.99%. Fixed
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
No additional details available.
Credit Score: 749-700
PROMO
No additional details available.
Credit Score: 750 - 799; Rate is subject to change without notice.
As low as 10.99%
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 749-700; $5,000+
PROMO
Consolidation Loans - Lower your payments, simplify your budget; Secured and Unsecured Loans - Flexible options are available; Vacation/Holiday Loans - Go on your dream vacation; Youth Loans - To help young borrowers establish credit
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
No additional details available.
As low as 11.24%
As Low As
No additional details available.
No additional details available.
Credit Score: 699-650
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
No additional details available.
As low as 11.49%
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As low as 11.49%
As Low As
Credit Score: 699-650; $5,000+
PROMO
No additional details available.
As low as 11.74%
Fixed
No additional details available.
As low as
As low as 11.99%
No additional details available.
As low as 11.99%
Variable APR
PROMO
No additional details available.
As Low As
Credit Grade: C; Maximum Loan/Term: $10,000; APR: 11.99%
As Low As
The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
No additional details available.
As Low As
No additional details available.
No additional details available.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed
Variable Rate
Published APR range: 12.75% - 15.75%*. Maximum loan amount $5,000
No additional details available.
No additional details available.
Credit Score: 700 - 749; Rate is subject to change without notice.
No additional details available.
Variable**
No additional details available.
No additional details available.
Starting at
No additional details available.
Fixed
Variable Rate
No additional details available.
No additional details available.
Unlimited 1% Cash Back Signature Card
Variable Rate
Rates subject to change without notice. APR* = Annual Percentage Rate.
No additional details available.
Credit Score: 650 -699; Rate is subject to change without notice.
The lower rates in this chart reflect a 0.25% reduction for an automatic payment and a 0.25% reduction for having a debit card. APR = Annual Percentage Rate
Credit Grade: D; Maximum Loan/Term: $5,000; APR: 14.99%
No additional details available.
Credit Score: 649-600
Unlimited 1.5% Cash Back Signature Card
Credit Grade: E; Maximum Loan/Term: $5,000; APR: 17.50%
Credit Score: 599-500
Loan Amount: $1,000 to $15,000. Other requirements: LENGTH OF SERVICE: 0-4 Years, LOAN AMOUNT PER PERSON: $0.00; 4-8 Years, LOAN AMOUNT PER PERSON: $3,000.00; 8-10 Years, LOAN AMOUNT PER PERSON: $5,000.00; over 10 Years, LOAN AMOUNT PER PERSON: $7,500.00.
Credit Score: 600 - 649; Rate is subject to change without notice.
Credit Score: 599 and lower; Rate is subject to change without notice.
Utah Personal Loan Rates
APRs as low as 6.53%. Funding is as little as 24 hours.
No additional details available.
As Low As
Loans up to $35,000; No application or origination fees; $0 Accepting won't affect your credit score.
No additional details available.
No additional details available.
Credit Grade: A+; Maximum Loan/Term: $20,000; APR: 7.99%
$20,000
As Low As; All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
Published APR range: 8.75% to 17.50%.
$20,000
Credit Grade: A; Maximum Loan/Term: $20,000; APR: 8.49%
Published APR range: 9.00% to 17.75%.
$20,000; Term: Up to 72 months ($5,000 min)
Published APR range: 9.25% to 17.75%.
Published APR range: 9.50% to 17.75%.
Published APR range: 9.75% to 17.75%.
Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 9/17/26. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
Credit Grade: B; Maximum Loan/Term: $15,000; APR: 9.49%
No additional details available.
No additional details available.
Consolidation Loans - Lower your payments, simplify your budget; Secured and Unsecured Loans - Flexible options are available; Vacation/Holiday Loans - Go on your dream vacation; Youth Loans - To help young borrowers establish credit
No additional details available.
No additional details available.
As Low As
Fixed
As low as
No additional details available.
Variable APR
No additional details available.
Credit Grade: C; Maximum Loan/Term: $10,000; APR: 11.99%
The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
No additional details available.
Fixed
Published APR range: 12.75% - 15.75%*. Maximum loan amount $5,000
Variable**
No additional details available.
No additional details available.
Fixed
Credit Grade: D; Maximum Loan/Term: $5,000; APR: 14.99%
Credit Grade: E; Maximum Loan/Term: $5,000; APR: 17.50%
Utah Debt Consolidation Loan Rates
Combine your bills into one easy payment; we'll payoff and close your consolidated accounts. No Collateral Necessary - Finance for up to 66 months based upon credit worthiness. Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 9/17/26. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
Utah Signature Loan Rates
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
As low as; Rates effective as of 05/29/2026. Rates subject to change without notice.
As low as
Rates subject to change without notice. APR* = Annual Percentage Rate.
No additional details available.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
Published APR range: 9.75% - 16.75%. Fixed
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
Credit Score: 850-750
APR is Annual Percentage Rate. Rates subject to change without notice.
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 850-750; $5,000+
PROMO
Published APR range: 10.50% - 17.99%. Fixed
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
As Low As
No additional details available.
Credit Score: 749-700
PROMO
As low as 10.99%
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As Low As
Credit Score: 749-700; $5,000+
PROMO
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As low as 11.24%
As Low As
No additional details available.
No additional details available.
Credit Score: 699-650
Rates disclosed above are for "A" credit bureau scores. Rates may be higher with credit bureau scores of "B-D".
As low as 11.49%
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As low as 11.49%
Credit Score: 699-650; $5,000+
PROMO
No additional details available.
As low as 11.74%
No additional details available.
As low as 11.99%
As low as 11.99%
Variable APR
PROMO
As Low As
As Low As
As Low As
No additional details available.
Rates As Low As & Subject to Change; 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.
Starting at
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Unlimited 1% Cash Back Signature Card
Variable Rate
Rates subject to change without notice. APR* = Annual Percentage Rate.
No additional details available.
No additional details available.
Credit Score: 649-600
Unlimited 1.5% Cash Back Signature Card
Credit Score: 599-500
Loan Amount: $1,000 to $15,000. Other requirements: LENGTH OF SERVICE: 0-4 Years, LOAN AMOUNT PER PERSON: $0.00; 4-8 Years, LOAN AMOUNT PER PERSON: $3,000.00; 8-10 Years, LOAN AMOUNT PER PERSON: $5,000.00; over 10 Years, LOAN AMOUNT PER PERSON: $7,500.00.
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 fell 0.538 points over the past 7 days to 11.456% APR.
Utah signature loan rates fell 0.257 points over the past 7 days to 12.354% APR.
Utah Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Utah figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current UT average personal loan APR of 11.46%, across the terms lenders serving Utah most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.10/mo | $164.77/mo | $130.34/mo | $109.85/mo |
| $10,000 | $468.20/mo | $329.55/mo | $260.67/mo | $219.70/mo |
| $15,000 | $702.29/mo | $494.32/mo | $391.01/mo | $329.55/mo |
| $25,000 | $1,170.49/mo | $823.87/mo | $651.68/mo | $549.26/mo |
| $35,000 | $1,638.69/mo | $1,153.42/mo | $912.35/mo | $768.96/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Utah
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the UT personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (UT average) | 11.46% | $391.01 | $3,768 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,382 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,916 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,508 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Utah
Prequalify With a Soft Credit Check
Most lenders serving Utah will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Utah data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Utah auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Utah high-yield savings account costs nothing and earns interest instead of paying it
Utah Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $391 monthly loan payment is roughly 10.7% of the median individual income in Utah. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Utah.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current UT average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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 is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Utah?
- Happen Bank: 6.53% (Personal Loan)
- Steuben Citizens Federal Credit Union: 7.00% (Personal Loans)
- Baxter Credit Union: 7.49% (Personal Loan)
- LOCOGA Federal Credit Union: 7.50% (Signature Loans)
- Bread Financial: 7.99% (Fixed Interest Personal Loans)
