Pleasant Grove at a glance
- Population: 37,294 (US Census Bureau, Vintage 2023 subcounty estimate), the 28th-largest of 255 places in Utah.
- 2020 Census base: 37,724 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 28th by size among 255 communities (US Census Bureau).
- Size percentile: it is larger than about 89% of the places in Utah (US Census Bureau).
- Coordinates: it sits at 40.3715, -111.7413 in the US Census Bureau Gazetteer.
- Nearest larger cities: American Fork, UT (3 mi); Orem, UT (6 mi); Lehi, UT (8 mi); Saratoga Springs, UT (9 mi); Provo, UT (10 mi); US Census Bureau population estimates.
- Nearest smaller communities: Lindon, UT (2 mi); Cedar Hills, UT (3 mi); Vineyard, UT (5 mi) (Census populations).
What a personal loan costs in Pleasant Grove
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Pleasant Grove
The table lists the Utah rules that apply to a loan made in Pleasant Grove, each with the regulator that published it.
| 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 Pleasant Grove
A few practical steps will make the process in Pleasant Grove less costly:
- 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.