Bluffdale at a glance
- Population: 19,090 people, the 48th-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 17,015 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 12.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 48th-largest of 255 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 81% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: 40.4746, -111.9403 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Riverton, UT (3 mi); Draper, UT (4 mi); Herriman, UT (4 mi); Lehi, UT (5 mi); South Jordan, UT (6 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: White City metro, UT (8 mi); Alpine, UT (9 mi); Copperton metro, UT (10 mi) (US Census Bureau).
What a personal loan costs in Bluffdale
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Bluffdale
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer lenders under the Utah Consumer Credit Code (Title 70C) must file a Consumer Credit Notification via NMLS Source says: Entities subject to the UCCC's notification requirement must file a Consumer Credit Notification (CCN) through the Nationwide Multistate Licensing System (NMLS). | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
| State lending regulator | Utah Department of Financial Institutions (DFI) Source says: The Department of Financial Institutions regulates 19 banks, 22 credit unions, 17 industrial banks and 1 trust company. | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | No general cap — parties may agree to any rate; 10% per annum legal rate if no rate is specified (Utah Code § 15-1-1) Source says: The parties to a lawful written, verbal, or implied contract may agree upon any rate of interest for the contract | Utah State Legislature as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit lenders must register with the Utah DFI (Utah Code Title 7, ch. 23) Source says: It is unlawful for a person to engage in the business of cashing checks or the business of deferred deposit lending in Utah | Utah State Legislature as of 2026-09-16 |
How to compare offers in Bluffdale
Run through this list before signing anything in Bluffdale:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Utah using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.