Simple financing for everyday needs
Personal Loans
Get funds for special purchases other than a home or vehicle. Our personal loans are both cost-effective and flexible.¹
Take care of your immediate needs with a personal loan
Make a major purchase, consolidate debt or cover unexpected expenses with a Mountain America personal loan (also known as a signature loan). You can also pay for short-term expenses like taxes, holidays and vacations. No collateral is required, and you’ll get some of the best interest rates and terms across a six-state region—from Idaho, New Mexico, Utah, Nevada, Arizona and Montana.
Personal loan features
- Terms up to 5 years²
- Personal loan interest rates as low as % APR
- No application fees
- No collateral required
Today's Rate
Personal Loan
36-month fixed
Personal loans signed, sealed, delivered
A personal loan could be yours in minutes. You have several options to apply. Use our free mobile banking app. Simply log in and follow these steps:
- Tap Loans / New Account on the main menu
- Tap Apply for a Loan, then tap Personal Loan
Don’t have the app? Download it now to get started.
Or contact your nearest branch, call the service center at 1-800-748-4302, or apply online.
Apply nowPersonal loan FAQs
What is a personal loan?
A personal loan, often called a signature loan, or a good faith loan, is a type of unsecured personal loan offered by a financial institution. The primary requirement of these loans is the borrower’s signature and their promise to pay. Most institutions may also check a borrower’s credit score, and some require a loan cosigner. Like other loans, you'll make fixed monthly payments during your loan term until it's paid.
Personal loans are an unsecured term loan. This means that the loan isn’t secured by collateral, like a borrower’s car loan or home mortgage. The term requires that the loan is paid off during a predetermined timeframe, which is typically through monthly payments during the duration of the loan term.
Additional resources
Credit Score Pitfalls
Optimal Loan Strategies
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