North Ogden at a glance
- Population: 22,233 (US Census Bureau, Vintage 2023 subcounty estimate), the 45th-largest of 255 places in Utah.
- 2020 Census base: 20,921 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 6.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 45th out of 255 Census places (US Census Bureau).
- Size percentile: larger than about 82% of the Census places in Utah (US Census Bureau).
- Coordinates: mapped at 41.3146, -111.9597 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Ogden, UT (6 mi); West Haven, UT (9 mi); Roy, UT (11 mi); Clinton, UT (13 mi); Clearfield, UT (15 mi) (US Census Bureau).
- Nearest smaller places: Pleasant View, UT (2 mi); Harrisville, UT (2 mi); Farr West, UT (4 mi) (US Census Bureau estimates).
What a personal loan costs in North Ogden
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in North Ogden
The Utah rate caps and licensing rules that reach North Ogden are listed below, each with its source and retrieval date.
| 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 North Ogden
The order below is a sensible way to approach a loan in North Ogden:
- 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.