Best Personal Loan Rates in Orem, Utah (UT) - May 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 Orem, Utah include: UTAH COMMUNITYUTAH COMMUNITY311 E 800 S, Orem, UT, 84097C3.8 ★Texas Ratio: 2.75% offering Credit Builder Loan at 6.00% APR, Deseret First Federal Credit UnionDeseret First Federal Credit Union337 N State St, Orem, UT, 84057A5.0 ★Texas Ratio: 6.69% offering Construction Loan at 6.62% APR, America First Federal Credit UnionAmerica First Federal Credit Union1356 S Main St, Orem, UT, 84058A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union1340 N State St, Orem, UT, 84057 2663A5.0 ★Texas Ratio: 10.12% offering Construction One- or two-step close Loan at 7.09% APR, and Alpine Credit UnionAlpine Credit Union1510 N STATE ST, Orem, UT, 84057 2548A+5.0 ★Texas Ratio: 4.63% offering Personal Loan at 9.74% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Orem has 7 local institutions in our database, with personal loan rates as low as 6.00% APR from UTAH COMMUNITY at 311 E 800 S, Orem, UT, 84097. 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 Orem, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Orem, 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: May 22, 2026
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As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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As Low As; LTV: 80%
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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.
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As Low As; up to 72 months
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As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
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Up to $5,000.00
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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.
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As Low As; Rate based on creditworthiness and term of loan.
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As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details.
As Low As; up to 60 months
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*Maximum loan amount; $5,000
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Up to 5 years
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Not available to merchants in AL, DE, MO, MS, NH, and TN. Purchase amounts must be from $49 to $10,000. Available plan lengths vary from 3, 6, 12, and/or 24 month installments, depending on purchase amount. Sales tax, where applicable, will be due at checkout. All plans subject to credit approval and other factors.
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24/7 Online Approval
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As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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Up to $5,000.00
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As Low As; Rate based on creditworthiness and term of loan.
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*Maximum loan amount; $5,000
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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.
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
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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.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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Orem, UT Personal Loan Rate Trends
Compare local Orem, 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 rose 0.216 points over the past 7 days to 11.935% APR.
Utah signature loan rates currently average 10.303% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orem, 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 Orem, 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 Orem, 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 Orem, Utah?
What are the best personal loan rates in Orem, Utah?
- UTAH COMMUNITY: 6.00% (Credit Builder Loan)
- Deseret First Federal Credit Union: 6.62% (Construction Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.09% (Construction One- or two-step close Loan)
- Alpine Credit Union: 9.74% (Personal Loan)
Personal Loan Calculators
