Centerville at a glance
- Population: 16,517, the 52nd-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 16,885 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 2.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 52nd out of 255 Census places (US Census Bureau).
- Size percentile: roughly 80% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 40.9263, -111.8833 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Bountiful, UT (4 mi); Farmington, UT (4 mi); North Salt Lake, UT (6 mi); Kaysville, UT (8 mi); Salt Lake City, UT (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: West Bountiful, UT (2 mi); Woods Cross, UT (4 mi); Fruit Heights, UT (7 mi) — US Census Bureau populations.
What a personal loan costs in Centerville
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in Centerville
The Utah rate caps and licensing rules that reach Centerville are listed below, each with its source and retrieval date.
| 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 Centerville
Run through this list before signing anything in Centerville:
- 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.