Your Personal Needs Are Within Reach
We understand that sometimes life calls for extra financial support, whether it’s unexpected expenses, a major purchase, or even planning your dream vacation. A signature loan (sometimes called a Personal Loan) offers you the flexibility to borrow without collateral; because these loans are based on your credit and good-standing, you can borrow up to $15,000 with little more than your signature.
Why Choose a Signature Loan?
- Unsecured Loan – No need to put up your home or car as collateral. Your signature is your commitment.
- Fast Approval – Get access to funds quickly, so you can take care of what matters most.
- Fixed Rates – Enjoy the security of fixed monthly payments, making it easier to manage your budget.
- Flexible Terms – We offer a range of loan terms so your repayment plan fits your lifestyle.
- Competitive Rates – As a credit union, we focus on providing lower rates and fewer fees compared to other lenders.
Signature Loans Are Ideal for:
- Debt Consolidation – Simplify your payments by combining multiple debts into one, potentially at a lower rate.
- Home Improvements – Upgrade your home without dipping into your savings.
- Emergency Expenses – Cover unexpected costs, like medical bills or car repairs.
- Special Occasions – Fund weddings, vacations, or other life events without high-interest credit cards.
Get Started Today!
As a member-owned institution, we’re committed to putting your financial needs first. When you apply for a signature loan with UFirst, you can expect full transparency and personalized service.
Ready to take the next step? Whether you're consolidating debt, handling unexpected expenses, or planning something big, a UFirst signature can help you get there. Apply online or stop by any of our branches to talk with a loan specialist.
Get Started
Apply online, visit a branch or call us at (801) 481-8899.
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.