Best Personal Loan Rates in Roy, Utah (UT) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Roy, Utah include: Goldenwest Federal Credit UnionGoldenwest Federal Credit Union5627 S 2050 W, Roy, UT, 84067A+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union5770 S Missile Way BLDG 5, Roy, UT, 84067A5.0 ★Texas Ratio: 8.91% offering Holiday Loan - Closed End Fixed APR as low as at 6.74% APR, America First Federal Credit UnionAmerica First Federal Credit Union4051 S 1900 W Bldg 5, Roy, UT, 84067A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union1935 W 4800 S, Roy, UT, 84067A+5.0 ★Texas Ratio: 2.55% offering Personal Signature Loan at 12.00% APR, and Bank of UtahBank of Utah5729 S 1900 W, Roy, UT, 84067A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Roy has 5 local institutions in our database, with personal loan rates as low as 5.89% APR from Goldenwest Federal Credit Union at 5627 S 2050 W, Roy, UT, 84067. 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 Roy, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Roy, 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 8, 2026
No additional details available.
No additional details available.
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
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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.
No additional details available.
No additional details available.
As Low As; Fixed
48 MO
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Regular APR: 5.97% to 9.97%
As Low As
Starting at
As Low As
As Low As
As Low As
As Low As
As Low As; Two time close
As Low As
No additional details available.
Loan Term < 12 months; LTV 80%
As Low As
No additional details available.
Start Building your Tomorrow Now
No additional details available.
As Low As
As Low As
As Low As; One time close
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.
No additional details available.
No additional details available.
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
As Low As
No additional details available.
No additional details available.
LTV 75%
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
Up to $5,000.00
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
OAC
As Low As
As Low As
No additional details available.
As Low As; Regular APR: 5.97% to 9.97%
No additional details available.
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
No additional details available.
APR as low as:
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
No additional details available.
No additional details available.
A+ >740
*Maximum loan amount: $5,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
A+ >740
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; No prepayment or origination fees with competitive rates as low as 7.49% on personal loans up to $50K.
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
Up to $5,000.00
As Low As
As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
*Maximum loan amount: $5,000
No additional details available.
No additional details available.
As Low As
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.
No additional details available.
No additional details available.
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
No additional details available.
APR as low as:
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
A+ >740
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
A+ >740
Roy, UT Personal Loan Rate Trends
Compare local Roy, 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 0.961 points over the past 7 days to 12.379% APR.
Utah signature loan rates fell 0.669 points over the past 7 days to 12.038% APR.
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 Roy, Utah?
What are the best personal loan rates in Roy, Utah?
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
- Northrop Grumman Federal Credit Union: 6.74% (Holiday Loan - Closed End Fixed APR as low as)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Wasatch Peaks Federal Credit Union: 12.00% (Personal Signature Loan)
- Bank of Utah: 12.74% (Unsecured Loans)
Personal Loan Calculators
