Clinton at a glance
- Population: 23,588 people, the 43rd-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 23,396 (US Census Bureau).
- 2020 to 2023 change: about 0.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 43rd of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 83% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.1387, -112.0664.
- Nearest larger cities: Roy, UT (2 mi); Syracuse, UT (4 mi); Clearfield, UT (4 mi); West Haven, UT (5 mi); Layton, UT (7 mi); US Census Bureau population estimates.
- Smaller places nearby: Sunset, UT (2 mi); West Point, UT (2 mi); Riverdale, UT (4 mi), per US Census Bureau estimates.
What a personal loan costs in Clinton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Utah lending rules that apply in Clinton
Read the table as the compliance picture for a lender serving Clinton: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clinton
These steps are the ones that most affect the offer you receive in Clinton:
- 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.