North Salt Lake at a glance
- Population: 23,560 people, the 44th-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 23,018 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 44th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 83% of the places in Utah (US Census Bureau).
- Coordinates: 40.8471 latitude, -111.9188 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Bountiful, UT (3 mi); Salt Lake City, UT (5 mi); Farmington, UT (10 mi); South Salt Lake, UT (10 mi); Millcreek, UT (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Woods Cross, UT (2 mi); West Bountiful, UT (4 mi); Centerville, UT (6 mi) (US Census Bureau estimates).
What a personal loan costs in North Salt Lake
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 North Salt Lake
Read the table as the compliance picture for a lender serving North Salt Lake: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in North Salt Lake
Before you share your details with a lender in North Salt Lake:
- 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.