tracker tracker
Skip to main content


Apply Now Rates

We love to lend to our members!

UFirst Credit Union offers personal loans in Utah to help you cover surprise expenses, vacations, and more. Get Up to $15,000 With Little More Than a Signature!

Get fast, affordable, and simple personal loans in Utah today!

Get Approved for a Personal Loan in Utah. No Collateral Required.

If you're looking for personal loans in Utah, you've come to the right place. Since 1956, UFirst has provided uncollateralized loans to local communities in Utah. With our simple personal loans, you could receive up to $15,000 after signing your name. It's that simple.



person applying for signature and personal loans in utah

Get Started

Apply online, visit a branch locations or call us at (801) 481-8845.

UFirst Credit Union offers:

  • Up to 5-year terms
  • Fixed rates
  • No collateral required

Our personal loans cover:

  • A financial emergency
  • A shortfall in funds
  • Home improvements
  • A vacation
  • Healthcare expenses
  • A new vehicle
  • A significant life event
  • Collateralized debts

Frequently Asked Questions about Personal Loans

What is a Personal Loan / Signature Loan?

A personal loan is a loan that is not secured to an asset like your property. It's sometimes called a signature loan because it typically requires little more than the applicant's signature. Unlike home loans and many other types of credit, there's no collateral.

UFirst Credit Union can offer our members up to $15,000 for up to 5 years with a personal loan. No other collateral is required, and you can use the money for whatever you want. Our personal loans work like other loans, with members making fixed monthly payments until the loan is paid off. 

What are the Benefits of Personal Loans in Utah?

One of the best features of a personal loan is that they can be used for any purpose while offering lower interest rates than most credit cards or revolving credit options. As such, personal loans have a number of other uses besides just providing quick cash. In fact, we recommend looking into personal loans as a way to boost your credit score (see the next question below).

You can also use personal loans for emergency expenses, such as medical procedures or surprise legal fees.  If you have an income but few savings, a personal loan could be a great way to take care of those expenses without damaging your credit or tightening your budget too much.

A personal loan also doesn’t require any collateral, which means you don’t have to sacrifice anything upfront to secure it.  This makes personal loans useful for creative financing.  For example, if you have outstanding debts that do have collateral, you might consider using a personal loan to pay off the collateralized debt, leaving you with only uncollateralized debt.  You can also use this same concept to consolidate your debt.  Use a personal loan to pay off all your other debt, so that you’re only writing one check per month.

Can a Personal Loan Boost Your Credit Score?

Yes! Taking out a small loan and paying it off in a timely manner with no missed payments is sure to boost your credit score in a relatively quick and painless manner. Personal loans can be a good option for people with mid-level credit scores or those with no credit history.

Check out our current uncollateralized loan rates here.

Are Personal Loans Better Than Credit Cards?

Personal loans typically offer lower interest rates than credit cards and other revolving credit options. A personal loan provides you with quick access to cash that you can spend on whatever you like. Whether it's a dream vacation or home repair, a personal loan provides you with the financial resources you need.

Is it Easy to Apply for a Personal Loan in Utah?

If you're looking for a personal loan in Utah, UFirst Credit Union makes this process as easy as possible, with personal loans for up to $15,000 (without you sacrificing anything upfront). Our affordable signature loans come with competitive and fair rates of interest and flexible repayment options, making it easy to make that major purchase, consolidate debt, and more!

Personal loans are extremely useful in just about any situation. Contact us by phone, visit a local branch, or apply for a personal loan today to see just how easy it is!

*Loans subject to credit approval. See current rates and terms. No down payment or collateral is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 13.49% APR and 60-month term is approximately $23.02 per $1,000 borrowed.

Locations near you

Branches & ATMs