Clearfield at a glance
- Population: 34,470 residents, the 32nd-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: 31,903 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 8.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 32nd of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 87% of Utah's Census places by population (US Census Bureau).
- Coordinates: 41.0970, -112.0179 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Syracuse, UT (3 mi); Layton, UT (3 mi); Roy, UT (5 mi); Ogden, UT (9 mi); Bountiful, UT (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Sunset, UT (3 mi); Clinton, UT (4 mi); West Point, UT (5 mi), each a US Census place.
What a personal loan costs in Clearfield
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Clearfield
Each row below is a Utah rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clearfield
Here is a short checklist for comparing personal loans in Clearfield:
- 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.