Hyde Park at a glance
- Population: about 5,677, 90th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 5,235 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 8.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 90th by size among 255 communities (US Census Bureau).
- Size percentile: it is larger than about 65% of the places in Utah (US Census Bureau).
- Coordinates: 41.8011 latitude, -111.8099 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): North Logan, UT (2 mi); Smithfield, UT (3 mi); Logan, UT (5 mi); Providence, UT (7 mi); Nibley, UT (9 mi) (US Census Bureau populations).
- Nearest smaller communities: River Heights, UT (5 mi); Amalga, UT (6 mi); Millville, UT (8 mi), each a US Census place.
What a personal loan costs in Hyde Park
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Utah lending rules that apply in Hyde Park
Each row below is a Utah rule with its publisher and the date it was retrieved.
| 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 Hyde Park
Before you commit to a personal loan in Hyde Park, work through these steps:
- 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.