Cedar Hills at a glance
- Population: 9,800 residents, the 68th-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,021 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Utah places: the 68th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: about 73% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.4120, -111.7543.
- Nearest larger cities: Highland, UT (2 mi); Pleasant Grove, UT (3 mi); American Fork, UT (3 mi); Alpine, UT (4 mi); Lindon, UT (5 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: White City metro, UT (12 mi); Alta, UT (14 mi); Brighton, UT (16 mi) — US Census Bureau populations.
What a personal loan costs in Cedar Hills
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Utah lending rules that apply in Cedar Hills
The table lists the Utah rules that apply to a loan made in Cedar Hills, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cedar Hills
Here is a short checklist for comparing personal loans in Cedar Hills:
- 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.