Ogden at a glance
- Population: 87,267, the 9th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 87,344 (US Census Bureau).
- 2020 to 2023 change: about 0.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 9th of the state's 255 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 96% of Utah's Census places by population (US Census Bureau).
- Coordinates: 41.2284 / -111.9681, per the US Census Bureau Gazetteer.
- Nearest larger cities: Salt Lake City, UT (31 mi); West Valley City, UT (37 mi); West Jordan, UT (43 mi); Sandy, UT (46 mi); Lehi, UT (56 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: South Ogden, UT (4 mi); Harrisville, UT (4 mi); Washington Terrace, UT (4 mi) — US Census Bureau populations.
What a personal loan costs in Ogden
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Ogden
The table lists the Utah rules that apply to a loan made in Ogden, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ogden
Before you share your details with a lender in 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.