The MFP’s Community Personal Loan Lender Survey gathers Utah borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Utah’s Personal Loan Borrowers >>
Utah Best Personal Loan Lenders
Salt Lake City, West Valley, West Jordan, Provo, St. George, Orem, Sandy, Lehi, Ogden, South Jordan, Online.
Salt Lake City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Salt Lake City’s area are Utah First Credit Union, Mountain America Credit Union and America First Credit Union.
- Utah First Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Salt Lake City branch service, clear borrowing explanations and strong follow-through, which supports its top scores across all three categories.
- Mountain America Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention smooth application help, responsive local staff and clear loan guidance, which supports its high application and support scores.
- America First Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and useful borrowing guidance, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Utah First Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Cyprus Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| University First Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Granite Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Chartway Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 89% |
| Deseret First Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Utah Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Central Bank | Community Bank | 4.2 | 4.2 | 4.3 | 85% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
West Valley Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in West Valley’s area are Cyprus Credit Union, America First Credit Union and Mountain America Credit Union.
- Cyprus Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful West Valley-area service, clear personal-loan explanations and strong follow-through, which supports its top scores across all three categories.
- America First Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention convenient branch access, responsive staff and straightforward borrowing help, which supports its high application and support scores.
- Mountain America Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight smooth application support, useful loan guidance and positive local service experiences, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cyprus Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| America First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Utah First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Granite Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Deseret First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
West Jordan Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in West Jordan’s area are Cyprus Credit Union, Mountain America Credit Union and America First Credit Union.
- Cyprus Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful West Jordan-area service, clear borrowing explanations and dependable follow-through, which supports its top scores across all three categories.
- Mountain America Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention smooth application help, responsive local staff and useful loan guidance, which supports its high application and support scores.
- America First Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and straightforward borrowing help, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cyprus Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Utah First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Granite Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Deseret First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Provo Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Provo’s area are Utah Community Credit Union, Mountain America Credit Union and America First Credit Union.
- Utah Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Provo-area service, clear personal-loan guidance and strong follow-through, which supports its top scores across all three categories.
- Mountain America Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention smooth application help, responsive local staff and clear loan explanations, which supports its high application and support scores.
- America First Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and useful borrowing guidance, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Utah Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Utah First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Central Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
St. George Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in St. George’s area are Utah First Credit Union, Cyprus Credit Union and Goldenwest Credit Union.
- Utah First Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful St. George branch service, clear borrowing explanations and strong follow-through, which supports its top scores across all three categories.
- Cyprus Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention friendly service, straightforward loan help and useful guidance, which supports its high application and support scores.
- Goldenwest Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, responsive staff and clear explanations, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Utah First Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Cyprus Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Goldenwest Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Security Service Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Deseret First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| State Bank of Southern Utah | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bank of Utah | Bank | 4.3 | 4.3 | 4.4 | 87% |
| BMO Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Orem Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Orem’s area are Utah Community Credit Union, Mountain America Credit Union and America First Credit Union.
- Utah Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Orem branch service, clear personal-loan guidance and strong follow-through, which supports its top scores across all three categories.
- Mountain America Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention smooth application help, responsive local staff and clear borrowing explanations, which supports its high application and support scores.
- America First Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and useful loan guidance, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Utah Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| America First Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Deseret First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Central Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bank of Utah | Bank | 4.3 | 4.3 | 4.4 | 87% |
| Altabank | Bank | 4.2 | 4.2 | 4.3 | 85% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
Sandy Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Sandy’s area are Mountain America Credit Union, America First Credit Union and Cyprus Credit Union.
- Mountain America Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to smooth application help, helpful Sandy-area staff and clear borrowing guidance, which supports its top scores across all three categories.
- America First Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention convenient branch access, responsive service and straightforward loan help, which supports its high application and support scores.
- Cyprus Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, clear loan explanations and dependable follow-through, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| America First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Cyprus Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Utah First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Granite Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Deseret First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Utah Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
Lehi Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lehi’s area are Utah Community Credit Union, Mountain America Credit Union and Alpine Credit Union.
- Utah Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Lehi branch service, clear loan guidance and strong follow-through, which supports its top scores across all three categories.
- Mountain America Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention smooth application help, responsive staff and clear borrowing explanations, which supports its high application and support scores.
- Alpine Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly local service, straightforward borrowing help and dependable member support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Utah Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Alpine Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| America First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Canyon View Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| First Utah Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Cache Valley Bank | Community Bank | 4.3 | 4.3 | 4.4 | 87% |
| Hillcrest Bank | Bank | 4.2 | 4.2 | 4.3 | 85% |
| Altabank | Bank | 4.1 | 4.1 | 4.2 | 83% |
Ogden Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Ogden’s area are Goldenwest Credit Union, America First Credit Union and Mountain America Credit Union.
- Goldenwest Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Ogden-area service, clear personal-loan guidance and dependable follow-through, which supports its top scores across all three categories.
- America First Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention convenient branch access, responsive staff and straightforward borrowing help, which supports its high application and support scores.
- Mountain America Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight smooth application support, clear loan explanations and positive local service experiences, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Goldenwest Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| America First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Ascent Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Wasatch Peaks Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Utah | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
South Jordan Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in South Jordan’s area are Mountain America Credit Union, America First Credit Union and Cyprus Credit Union.
- Mountain America Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to smooth application help, helpful South Jordan-area staff and clear borrowing guidance, which supports its top scores across all three categories.
- America First Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention convenient branch access, responsive service and straightforward loan help, which supports its high application and support scores.
- Cyprus Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, clear loan explanations and dependable follow-through, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| America First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Cyprus Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Utah First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Granite Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| First Utah Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Zions Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Utah Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Utah’s area are America First Credit Union, Mountain America Credit Union and Utah First Credit Union.
- America First Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to instant online approval access, clear personal loan terms, and helpful service during the borrowing process.
- Mountain America Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight online application access, no application fees, and straightforward personal loan options.
- Utah First Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to quick online application steps, clear payment estimates, and helpful follow-up from loan staff.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| America First Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Mountain America Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| Utah First Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Cyprus Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| Chartway Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Goldenwest Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 87% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 82% |