Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / UT
Personal loans, banking, insurance, and debt help in Utah
Utahns use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, typically through unsecured loans priced on credit and income.
38lenders in the dataset
UTstate guide
$831/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Utah
Utahns use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, typically through unsecured loans priced on credit and income.
Interest-rate law
Utah is the cleanest 'no cap' state in the country. Utah Code §15-1-1 lets parties to any lawful contract agree to any interest rate at all, with only a default 10% legal rate applying when no rate is specified (which essentially never happens with a licensed lender).
| Loan range | Rate | Statute |
|---|---|---|
| Any loan size | No percentage cap; only an unconscionability provision and a criminal usury statute aimed at unlicensed lending businesses | Utah Code § 15-1-1 |
Lender complaints: Utah Department of Financial Institutions
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
KeyBank
- Credit profile
- Not specified
- APR range
- 8.99% – 22.99%
- Loan amount
- $2,000 – $100,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Good to excellent credit
Zions Bank
- Credit profile
- Not specified
- APR range
- 11.26% – 27.97%
- Loan amount
- $2,500 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Fig Loans
- Credit profile
- Poor
- APR range
- 190% – 209%
- Loan amount
- $300 – $500
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Kwikcash
- Credit profile
- Not specified
- APR range
- 99% – 499%
- Loan amount
- $250 – $1,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
RISE
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
Security Finance
- Credit profile
- Not specified
- APR range
- N/A – 124.48%
- Loan amount
- $477 – $2,500
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
Since Utah doesn't cap personal loan rates at all, there's no legal ceiling protecting borrowers from a debt consolidation loan priced at or above existing credit card APR. Shopping around and comparing the actual math matters more here than in almost any other state.
04 / Banking and credit unions
Banking in Utah
National banks offer scale and broad networks, while Utah-based and regional banks compete on relationship banking and local lending decisions.
Banks listed
- Zions BankHeadquartered in Salt Lake City, UT.
- ChaseNational bank.
- Wells FargoNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- Bank of UtahHeadquartered in Ogden, UT.
- Bank of American ForkHeadquartered in American Fork, UT.
Credit unions
Credit unions are member-owned, not-for-profit institutions offering lower rates and fewer fees than banks, with membership tied to geography, employer, or affiliation.
Utah credit unions posted median membership growth of about 4.4% year over year (Q4 2025 NCUA data), one of the stronger figures in the comparison, alongside strong median asset growth (~4.6%) and a notably high median loan-to-share ratio (~96%).
Utah's industrial roots run through the LDS Church (Deseret First traces to a 1955 'LDS Church Office Credit Union') and university-employee credit unions. In 1983, Utah's Commissioner of Financial Institutions began letting credit unions expand beyond a single county, well ahead of most states, surviving lawsuits from the Utah Bankers Association (1993) and American Bankers Association (2004). Utah now has one of the highest credit union membership penetration rates in the country, roughly 72% of the population.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal. Utah was the first state to adopt the Uniform Debt-Management Services Act, effective January 1, 2007 (Utah Code Ann. § 13-42-101 et seq.), regulated by the Utah Division of Consumer Protection. Fees are capped at 30% of savings actually achieved (not total enrolled balance). Providers must maintain a trust account and bond.
Companies listed in the dataset
06 / Insurance
Utah insurance
Regulator
Utah Insurance Department
Insurance regulator websiteAuto insurance
25/65/15
Utah requires liability insurance with minimum limits of $25,000 per person and $65,000 per accident for bodily injury (an unusually high per-accident minimum), plus $15,000 for property damage. Utah also requires personal injury protection (PIP) coverage since it's a no-fault state for medical claims up to a certain threshold.
Homeowners and renters
$831/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $145/yr
Utah carries significant wildfire exposure, particularly in dry foothill and canyon communities, along with occasional flash flooding during summer monsoon storms and heavy winter snow loads in mountain areas. Homeowners premiums rank 2nd-lowest in the country.
07 / Questions
Utah FAQs
How do I file a complaint against a lender in Utah?
Contact the Utah Department of Financial Institutions, which licenses and supervises consumer lenders operating in Utah.
How do I file a complaint against my insurance company in Utah?
File with the Utah Insurance Department.
What's the maximum interest rate a lender can legally charge on a personal loan in Utah?
There isn't one. Utah Code §15-1-1 lets parties to any lawful contract agree to any interest rate at all, so there's no percentage ceiling at any loan size, making Utah one of the cleanest genuinely uncapped states in the country.
Are payday loans legal in Utah, and are there caps on fees or loan amounts?
Yes, and Utah places essentially no limits on rates, fees, or loan amounts for them. The main limit is time: a lender can't charge interest or roll a loan over beyond 10 weeks from origination. The average payday loan APR in Utah runs around 652%, among the highest in the nation.
How long can a debt collector legally pursue an unpaid debt in Utah before the statute of limitations runs out?
Written contracts have a 6-year statute of limitations (Utah Code § 78B-2-309). Oral contracts and open store accounts have a 4-year window (§ 78B-2-307).
What's the difference between a debt consolidation loan and debt settlement for someone living in Utah?
A debt consolidation loan pays off debts in full with new borrowed money on a fixed schedule. Debt settlement negotiates reduced payoffs but damages credit. In Utah, where personal loan rates aren't capped at all, comparing the actual math on a proposed consolidation loan matters even more than in states with a rate ceiling.
