Best Personal Loan Rates in Payson, Utah (UT) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Payson, Utah include: Goldenwest Federal Credit UnionGoldenwest Federal Credit Union824 W 800 S, Payson, UT, 84651A+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, Nebo Credit UnionNebo Credit Union201 E 100 N, Payson, UT, 84651A+5.0 ★Texas Ratio: 4.02% offering Construction Loans at 6.50% APR, America First Federal Credit UnionAmerica First Federal Credit Union967 S Turf Farm Rd, Payson, UT, 84651A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union818 Highway 198, Payson, UT, 84651A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR, and Pacific Horizon Credit UnionPacific Horizon Credit Union191 S 100 W, Payson, UT, 84651C4.0 ★Texas Ratio: 27.08% offering Signature Loan at 11.49% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Payson has 5 local institutions in our database, with personal loan rates as low as 5.89% APR from Goldenwest Federal Credit Union at 824 W 800 S, Payson, UT, 84651. 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 Payson, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Payson, 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 11, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT, 84651
Lot Loan Special 1-year balloon
5.90%
▼
APR5.90%
Last UpdatedApril 11, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT, 84651
One-Time Close Construction Loan
6.40%
▼
APR6.40%
Last UpdatedApril 11, 2026
Details
No additional details available.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedApril 11, 2026
Details
As Low As; Two time close
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 11, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Improved Lot Loans
6.50%
▼
APR6.50%
Last UpdatedApril 11, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Construction Loans
6.63%
▼
APR6.63%
Last UpdatedApril 11, 2026
Details
As Low As; One time close
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedApril 11, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedApril 11, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
818 Highway 198, Payson, UT, 84651
Construction loan
7.25%
▼
APR7.25%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 11, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT, 84651
Construction Loan
7.69%
▼
APR7.69%
Last UpdatedApril 11, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
Renovation Loan
9.31%
▼
APR9.31%
Last UpdatedApril 11, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT, 84651
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 11, 2026
Details
No additional details available.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
967 S Turf Farm Rd, Payson, UT, 84651
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As; Fixed
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
LAND LOANS
4.99%
▼
APR4.99%
Last UpdatedApril 11, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Land Loans
5.25%
▼
APR5.25%
Last UpdatedApril 11, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Land Loans
5.75%
▼
APR5.75%
Last UpdatedApril 11, 2026
Details
As Low As
APR5.97%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
Starting at
APR6.49%
Last UpdatedApril 11, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
Loan Term < 12 months; LTV 80%
APR6.53%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.53%
Last UpdatedApril 11, 2026
Details
No additional details available.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Construction Loan
6.62%
▼
APR6.62%
Last UpdatedApril 11, 2026
Details
No additional details available.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Construction Loans
6.62%
▼
APR6.62%
Last UpdatedApril 11, 2026
Details
Start Building your Tomorrow Now
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 11, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Holiday Loan - Closed End Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
No additional details available.
American Express National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedApril 11, 2026
Details
As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Building Lot Loans
7.49%
▼
APR7.49%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction Loan
7.75%
▼
APR7.75%
Last UpdatedApril 11, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
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 11, 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 11, 2026
Details
LTV 75%
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 11, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-month Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.24%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Holiday Loan
8.74%
▼
APR8.74%
Last UpdatedApril 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.95%
Last UpdatedApril 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Adventure Loan
8.99%
▼
APR8.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 11, 2026
Details
As Low As
APR9.04%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Personal Loan Holiday/Vacation
9.25%
▼
APR9.25%
Last UpdatedApril 11, 2026
Details
Up to $5,000.00
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
9.49%
▼
APR9.49%
Last UpdatedApril 11, 2026
Details
As Low As; 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 Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 11, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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 11, 2026
Details
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.
Gibbons and Reed Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
OAC
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR10.04%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
Other Loans
10.25%
▼
APR10.25%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 11, 2026
Details
APR as low as:
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR10.54%
Last UpdatedApril 11, 2026
Details
As Low As
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
As Low As
APR10.95%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR11.04%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
11.24%
▼
APR11.24%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR11.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR11.50%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR11.54%
Last UpdatedApril 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 12 months
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Personal Loans
11.75%
▼
APR11.75%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 11, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 36 months
12.74%
▼
APR12.74%
Last UpdatedApril 11, 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 11, 2026
Details
A+ >740
APR12.74%
Last UpdatedApril 11, 2026
Details
48 MO
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 11, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature
12.75%
▼
APR12.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 11, 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 11, 2026
Details
*Maximum loan amount: $5,000
APR12.90%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.95%
Last UpdatedApril 11, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 48 months
12.99%
▼
APR12.99%
Last UpdatedApril 11, 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 11, 2026
Details
A+ >740
APR12.99%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.99%
Last UpdatedApril 11, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.53%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
American Express National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedApril 11, 2026
Details
As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 11, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-month Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 11, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Personal Loan Holiday/Vacation
9.25%
▼
APR9.25%
Last UpdatedApril 11, 2026
Details
Up to $5,000.00
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 12 months
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Personal Loans
11.75%
▼
APR11.75%
Last UpdatedApril 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 36 months
12.74%
▼
APR12.74%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 48 months
12.99%
▼
APR12.99%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.99%
Last UpdatedApril 11, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.53%
Last UpdatedApril 11, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT, 84651
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 11, 2026
Details
No additional details available.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT, 84651
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT, 84651
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 11, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 11, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR9.04%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As; 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 11, 2026
Details
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.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR10.04%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As; 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 11, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 11, 2026
Details
APR as low as:
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR10.54%
Last UpdatedApril 11, 2026
Details
As Low As
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR11.04%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Personal / Signature / Consolidation Loan
11.24%
▼
APR11.24%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR11.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR11.54%
Last UpdatedApril 11, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 11, 2026
Details
As Low As; 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 11, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature
12.75%
▼
APR12.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR12.90%
Last UpdatedApril 11, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
A+ >740
Powered by
MonitorBankRates
No home improvement personal loan rates found in Payson, UT currently.
Payson, UT Personal Loan Rate Trends
Compare local Payson, 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
12.379%
▲ 0.961 vs 7 days ago
Utah personal loan rates rose 0.961 points over the past 7 days to 12.379% APR.
Signature Loan — UT Avg
12.038%
▼ 0.669 vs 7 days ago
Utah signature loan rates fell 0.669 points over the past 7 days to 12.038% APR.
As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
Most lenders in Payson, 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 Payson, 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 Payson, 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 Payson, Utah?
Credit unions in Payson, 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 Payson, Utah?
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
- Nebo Credit Union: 6.50% (Construction Loans)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
- Pacific Horizon Credit Union: 11.49% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Payson, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026.
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