Best Personal Loan Rates in Salt Lake City, Utah - July 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 Salt Lake City, Utah include: Delta Community Credit UnionDelta Community Credit Union3920 W Terminal Dr, Salt Lake City, UT, 84116A+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.39% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union769 E South Temple, Salt Lake City, UT, 84102 1221A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, UTAH COMMUNITYUTAH COMMUNITY39 W 2100 S, Salt Lake City, UT, 84115C3.8 ★Texas Ratio: 2.75% offering 3 Years / 36 Months Loan at 4.74% 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, and Granite Federal Credit UnionGranite Federal Credit Union3675 S 900 E, Salt Lake City, UT, 84106A+5.0 ★Texas Ratio: 2.69% offering Construction < 12 months Loan at 6.53% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Salt Lake City has 20 local institutions in our database, with personal loan rates as low as 4.39% APR from Delta Community Credit Union at 3920 W Terminal Dr, Salt Lake City, UT, 84116. 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: July 6, 2026
Salt Lake City Personal Loan Rates
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.
As Low As; Model Year: 2019-2026
Minimum balance of $20,000 required.
As Low As; Model Year: 2019-2026
No additional details available.
As Low As; Model Year: 2019-2026
Minimum balance of $30,000 required.
No additional details available.
As Low As; Model Year: 2011-2018
As Low As; Model Year: 2019-2026
As Low As
As Low As; Model Year: 2011-2018
Variable Rate Thereafter: 6.24%
As Low As
LTV: 80%
No additional details available.
As Low As; Model Year: 2011-2018
Variable Rate Thereafter: 6.74%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2018-2025
LTV: 80%
LTV: 80%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
As Low As; Model Year: 2010-2017
As Low As; Model Year: 2018-2025
LTV: 75%
Origination Fee: 1.00%; LTV: 80%
No additional details available.
No additional details available.
As Low As
As Low As
Includes a 0.25% discount for direct deposit.
As Low As
Estimated monthly payment: $18.02 per $1,000 borrowed; Rate Type: Fixed
Variable Rate Thereafter: 8.99%
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.
Model Year: 2018-2025
As Low As; Model Year: 2018-2025
Model Year: 2018-2025
As Low As; Model Year: 2018-2025
As Low As
No additional details available.
Model Year: 2018-2025
As Low As
As Low As; Model Year: 2018-2025
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.
OAC
Credit Score: 850-750
Credit Score: 850-750
Credit Score: 749-700
As Low As
Credit Score: 749-700
As Low As
Credit Score: 699-650
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
As Low As
Credit Score: 699-650
As Low As
Fixed
No additional details available.
As Low As
As Low As
As Low As
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
No additional details available.
Fixed
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.
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Variable**
No additional details available.
No additional details available.
Fixed
Variable Rate
No additional details available.
Variable Rate
No additional details available.
Purchase amounts must be from $49 to $10,000. Actual fee depends upon payment card processing history, loan amount and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months.
As Low As
No additional details available.
Credit Score: 649-600
Credit Score: 599-500
28.00%*; $500.00 Maximum & $1,000 Maximum
No credit check required
No additional details available.
As Low As
As low as; Vehicle
As Low As
Fixed Rates; See Disclaimer
No additional details available.
As low as; Vehicle
No additional details available.
No additional details available.
No additional details available.
AS LOW AS
No additional details available.
No additional details available.
As low as; Vehicle
No additional details available.
No additional details available.
No additional details available.
As low as; Vehicle
No additional details available.
No additional details available.
As low as; Vehicle
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
$20,000
As Low As
$20,000
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
$20,000
As low as; *
As Low As
As Low As
Up to $4,000
7.99% for Credit Grade A+; Maximum Loan/Term: $20,000
As Low As; Signature Loans
Credit Score: A+ >740
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
8.49% for Credit Grade A; Maximum Loan/Term: $20,000
No additional details available.
Credit Score: A 690-739
As Low As; Signature Loans
No additional details available.
9.49% for Credit Grade B; Maximum Loan/Term: $15,000
As Low As; Signature Loans
No additional details available.
Credit Score: B 660-689
As Low As; Signature Loans
As Low As
As Low As; Signature Loans
As Low As
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. Interest rate is variable and may change after loan funding.
As Low As
Salt Lake City Personal Loan Rates
No additional details available.
Includes a 0.25% discount for direct deposit.
Fixed
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
Fixed
Variable**
Fixed
As Low As
$20,000
$20,000
$20,000
As Low As
As Low As
Up to $4,000
As Low As
Salt Lake City Debt Consolidation Loan Rates
Salt Lake City Signature Loan Rates
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.
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.
Credit Score: 850-750
Credit Score: 850-750
Credit Score: 749-700
As Low As
Credit Score: 749-700
As Low As
Credit Score: 699-650
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
Credit Score: 699-650
As Low As
As Low As
As Low As
No additional details available.
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.
Variable Rate
No additional details available.
No additional details available.
No additional details available.
Variable Rate
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Credit Score: 649-600
Credit Score: 599-500
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
As Low As; Signature Loans
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
No additional details available.
As Low As; Signature Loans
No additional details available.
As Low As; Signature Loans
As Low As; Signature Loans
As Low As
As Low As; Signature Loans
As Low As
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 currently average 11.962% APR.
Utah signature loan rates currently average 11.687% 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?
- Delta Community Credit Union: 4.39% (24 months Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- UTAH COMMUNITY: 4.74% (3 Years / 36 Months Loan)
- American United Federal Credit Union: 6.25% (Construction Loan)
- Granite Federal Credit Union: 6.53% (Construction < 12 months Loan)
Personal Loan Calculators
