Best Personal Loan Rates in Salt Lake City, 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 Salt Lake City, Utah include: UTAH COMMUNITYUTAH COMMUNITY39 W 2100 S, Salt Lake City, UT, 84115C3.8 ★Texas Ratio: 2.75% offering Credit Builder Loan at 6.00% APR, Cyprus Federal Credit UnionCyprus Federal Credit Union5750 S Redwood Rd, Salt Lake City, UT, 84123 5356A+5.0 ★Texas Ratio: 2.25% offering First Tier Loan at 6.25% APR, American United Federal Credit UnionAmerican United Federal Credit Union500 Foothill Dr, Salt Lake City, UT, 84148 0001A5.0 ★Texas Ratio: 6.78% offering Construction Loan at 6.25% APR, Granite Federal Credit UnionGranite Federal Credit Union3675 S 900 E, Salt Lake City, UT, 84106A+5.0 ★Texas Ratio: 2.69% offering Construction & Lot Loan Construction < 12 months at 6.53% APR, and Deseret First Federal Credit UnionDeseret First Federal Credit Union50 E South Temple, Salt Lake City, UT, 84111 1010A5.0 ★Texas Ratio: 6.69% offering Construction Loan at 6.62% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Salt Lake City has 21 local institutions in our database, with personal loan rates as low as 6.00% APR from UTAH COMMUNITY at 39 W 2100 S, Salt Lake City, UT, 84115. 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 Salt Lake City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Salt Lake City, 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 23, 2026
Salt Lake City Personal Loan Rates
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As Low As; LTV: 80%
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As Low As; 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; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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48 MO
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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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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$100; As Low As
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24/7 Online Approval
$500; As Low As
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As Low As; 20 Year Amortization / 10 Year Balloon 80% Max LTV
As Low As; 30 Year Amortization / 15 Year Balloon 80% Max LTV
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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; 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
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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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Salt Lake City Personal Loan Rates
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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.
Salt Lake City Debt Consolidation Loan Rates
Salt Lake City Signature Loan Rates
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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; 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; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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Up to 5 years
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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; *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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Salt Lake City, UT Personal Loan Rate Trends
Compare local Salt Lake City, 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 fell 0.641 points over the past 7 days to 10.946% APR.
Utah signature loan rates rose 2.378 points over the past 7 days to 12.681% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Salt Lake City, 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 Salt Lake City, 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 Salt Lake City, 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 Salt Lake City, Utah?
What are the best personal loan rates in Salt Lake City, Utah?
- UTAH COMMUNITY: 6.00% (Credit Builder Loan)
- Cyprus Federal Credit Union: 6.25% (First Tier Loan)
- American United Federal Credit Union: 6.25% (Construction Loan)
- Granite Federal Credit Union: 6.53% (Construction & Lot Loan Construction < 12 months)
- Deseret First Federal Credit Union: 6.62% (Construction Loan)
Personal Loan Calculators
