Best Personal Loan Rates in Layton, Utah (UT) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Layton, Utah include: America First Federal Credit UnionAmerica First Federal Credit Union172 N Fort Ln, Layton, UT, 84041A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Bank of UtahBank of Utah717 W Antelope Dr, Layton, UT, 84041A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, HERCULES FIRSTHERCULES FIRSTA5.0 ★Texas Ratio: 8.30% offering Signature Loan at 5.84% APR, and Nelnet BankNelnet BankA+5.0 ★Texas Ratio: 1.05% offering Parent Loans at 5.97% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Layton has 2 local institutions in our database, with personal loan rates as low as 6.82% APR from America First Federal Credit Union at 172 N Fort Ln, Layton, UT, 84041. 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 Layton, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Layton, 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: April 19, 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%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
172 N Fort Ln, Layton, UT, 84041
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As; Fixed
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
717 W Antelope Dr, Layton, UT, 84041
Unsecured Loans
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
48 MO
APR4.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 20, 2026
Details
As Low As
APR5.84%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR5.97%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.00%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 20, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Residential Construction Loans
6.25%
▼
APR6.25%
Last UpdatedApril 20, 2026
Details
Starting at
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Improved Lot Loans
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As; LTV: 80%
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As; Two time close
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As; Two time close
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan Construction < 12 months
6.53%
▼
APR6.53%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction Loan
6.53%
▼
APR6.53%
Last UpdatedApril 20, 2026
Details
Loan Term < 12 months; LTV 80%
APR6.53%
Last UpdatedApril 20, 2026
Details
Rates starting at 6.53% APR1
APR6.53%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.53%
Last UpdatedApril 20, 2026
Details
As Low As
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Construction Loan
6.62%
▼
APR6.62%
Last UpdatedApril 20, 2026
Details
No additional details available.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 20, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans
6.63%
▼
APR6.63%
Last UpdatedApril 20, 2026
Details
As Low As; One time close
APR6.63%
Last UpdatedApril 20, 2026
Details
As Low As; One time close
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 20, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Holiday Loan - Closed End
6.74%
▼
APR6.74%
Last UpdatedApril 20, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As; LTV: 80%
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedApril 20, 2026
Details
As Low As; up to 72 months
APR7.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30/5 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 30/5 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
APR7.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Lot Loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
30 year amortization
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10-year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
LTV 75%
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction Loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 20, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Lot Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
30 year amortization
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
$20,000
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
$20,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
$20,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Holiday Loan
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.95%
Last UpdatedApril 20, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Holiday Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Adventure Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 20, 2026
Details
Holiday/Vacation; Up to $5,000.00
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bill Consolidation Loan - Closed End
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
Gibbons and Reed Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
OAC
APR9.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR9.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
APR10.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
Other Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 20, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR10.95%
Last UpdatedApril 20, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 12-month
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR11.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 24-month
11.24%
▼
APR11.24%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 36-month
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 60-month
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
As Low As; Signature Loan
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 20, 2026
Details
As Low As; up to 60 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
*Maximum loan amount; $5,000
APR12.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR12.95%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
A+ >740
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
Consumer Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
Unsecured
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
13.24%
▼
APR13.24%
Last UpdatedApril 20, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.25%
▼
APR13.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.50%
▼
APR13.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Signature/Personal Closed End Loans
13.56%
▼
APR13.56%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
Signature (personal) - Closed-end
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Signature Loan
14.50%
▼
APR14.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR14.95%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.24%
▼
APR16.24%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.49%
▼
APR16.49%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.74%
▼
APR16.74%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.99%
▼
APR16.99%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
17.24%
▼
APR17.24%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
17.49%
▼
APR17.49%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
C 620-659
APR19.95%
Last UpdatedApril 20, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.53%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.53%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 20, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
$20,000
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
$20,000
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
$20,000
APR9.25%
Last UpdatedApril 20, 2026
Details
Holiday/Vacation; Up to $5,000.00
APR9.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR11.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Personal Loans Personal
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
*Maximum loan amount; $5,000
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.53%
Last UpdatedApril 20, 2026
Details
Rates starting at 6.53% APR1
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR5.84%
Last UpdatedApril 20, 2026
Details
No additional details available.
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
As Low As
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 20, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 20, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 12-month
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 24-month
11.24%
▼
APR11.24%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 36-month
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 60-month
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR12.24%
Last UpdatedApril 20, 2026
Details
As Low As; up to 60 months
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
As Low As; *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.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.74%
▼
APR12.74%
Last UpdatedApril 20, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR12.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
A+ >740
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 20, 2026
Details
As Low As
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
13.24%
▼
APR13.24%
Last UpdatedApril 20, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.25%
▼
APR13.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.50%
▼
APR13.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Signature/Personal Closed End Loans
13.56%
▼
APR13.56%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
Signature (personal) - Closed-end
13.99%
▼
APR13.99%
Last UpdatedApril 20, 2026
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Signature Loan
14.50%
▼
APR14.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.24%
▼
APR16.24%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.49%
▼
APR16.49%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.74%
▼
APR16.74%
Last UpdatedApril 20, 2026
Details
A 690-739
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
16.99%
▼
APR16.99%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
17.24%
▼
APR17.24%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
17.49%
▼
APR17.49%
Last UpdatedApril 20, 2026
Details
B 660-689
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
C 620-659
Powered by
MonitorBankRates
No home improvement personal loan rates found in Layton, UT currently.
Layton, UT Personal Loan Rate Trends
Compare local Layton, 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.
Personal Loan — UT Avg
10.719%
▼ 1.318 vs 7 days ago
Utah personal loan rates fell 1.318 points over the past 7 days to 10.719% APR.
Signature Loan — UT Avg
12.592%
▲ 0.383 vs 7 days ago
Utah signature loan rates rose 0.383 points over the past 7 days to 12.592% APR.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
Most lenders in Layton, 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 Layton, 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 Layton, 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 Layton, Utah?
Credit unions in Layton, 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 Layton, Utah?
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Bank of Utah: 12.74% (Unsecured Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- HERCULES FIRST: 5.84% (Signature Loan)
- Nelnet Bank: 5.97% (Parent Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Layton, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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