Best Personal Loans in Utah

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In Utah, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Utah Department of Financial Institutions.

Utah Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$510,000

Median Household Income

$87,000

Avg Student Debt

$33,872

State Regulator

Utah Department of Financial Institutions

Notable law: Utah requires payday lenders to disclose the annualized interest rate in advertising and on loan agreements but sets no legal ceiling on consumer loan APRs from licensed lenders.

8 Personal Loans Lenders serving Utah

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Utah

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Utah

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Utah

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Utah

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Utah

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Utah

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Utah

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Utah

Apply at OnDeck

Utah Lending Laws

Utah requires payday lenders to disclose the annualized interest rate in advertising and on loan agreements but sets no legal ceiling on consumer loan APRs from licensed lenders.

The primary regulator for consumer lending in Utah is the Utah Department of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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