Best Personal Loan Rates in South Jordan, 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 South Jordan, Utah include: Cyprus Federal Credit UnionCyprus Federal Credit Union11328 S Jordan Gtwy, South Jordan, UT, 84095 4112A+5.0 ★Texas Ratio: 2.25% offering First Tier Loan at 6.25% APR, Granite Federal Credit UnionGranite Federal Credit Union10507 S Redwood Rd, South Jordan, UT, 84095 8504A+5.0 ★Texas Ratio: 2.69% offering Construction & Lot Loan Construction < 12 months at 6.53% APR, Deseret First Federal Credit UnionDeseret First Federal Credit Union10588 S Redwood Rd, South Jordan, UT, 84095A5.0 ★Texas Ratio: 6.69% offering Construction Loan at 6.62% APR, America First Federal Credit UnionAmerica First Federal Credit Union10767 S Redwood Rd, South Jordan, UT, 84095A5.0 ★Texas Ratio: 7.26% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, and Mountain America Federal Credit UnionMountain America Federal Credit Union3451 W South Jordan Pkwy, South Jordan, UT, 84095A5.0 ★Texas Ratio: 10.12% offering Construction One- or two-step close Loan at 7.09% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
South Jordan has 8 local institutions in our database, with personal loan rates as low as 6.25% APR from Cyprus Federal Credit Union at 11328 S Jordan Gtwy, South Jordan, UT, 84095 4112. 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 South Jordan, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South Jordan, 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
South Jordan Personal Loan Rates
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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; *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 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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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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South Jordan 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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As Low As; Rate based on creditworthiness and term of loan.
South Jordan Debt Consolidation Loan Rates
South Jordan Signature Loan Rates
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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 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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South Jordan, UT Personal Loan Rate Trends
Compare local South Jordan, 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 0.370 points over the past 7 days to 12.089% APR.
Utah signature loan rates rose 2.400 points over the past 7 days to 12.703% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Jordan, 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 South Jordan, 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 South Jordan, 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 South Jordan, Utah?
What are the best personal loan rates in South Jordan, Utah?
- Cyprus Federal Credit Union: 6.25% (First Tier Loan)
- Granite Federal Credit Union: 6.53% (Construction & Lot Loan Construction < 12 months)
- 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)
Personal Loan Calculators
