Lindon at a glance
- Population: the Census estimates 11,734 residents, ranking 59th of 255 places in Utah (Vintage 2023).
- 2020 Census base: 11,400 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 2.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: the 59th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 77% of Utah places in population terms (US Census Bureau).
- Coordinates: 40.3420, -111.7173 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Pleasant Grove, UT (2 mi); Orem, UT (3 mi); Vineyard, UT (3 mi); American Fork, UT (5 mi); Highland, UT (7 mi) (US Census Bureau).
- Smaller places close by: Cedar Hills, UT (5 mi); Alpine, UT (9 mi); Wallsburg, UT (16 mi) (US Census Bureau).
What a personal loan costs in Lindon
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Lindon
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Lindon
Before you commit to a personal loan in Lindon, 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.