Rocky Ridge at a glance
- Population: 1,018 people, the 155th-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 845 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 20.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 155th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 39% of places in Utah are smaller (US Census Bureau).
- Coordinates: mapped at 39.9197, -111.8257 by the US Census Bureau Gazetteer.
- Nearest larger cities: Santaquin, UT (4 mi); Genola, UT (6 mi); Mona, UT (8 mi); Payson, UT (9 mi); Elk Ridge, UT (10 mi); US Census Bureau population estimates.
- Nearest smaller towns: Goshen, UT (5 mi); Eureka, UT (16 mi); Levan, UT (25 mi) (US Census Bureau).
What a personal loan costs in Rocky Ridge
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Rocky Ridge
The table lists the Utah rules that apply to a loan made in Rocky Ridge, each with the regulator that published it.
| 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 Rocky Ridge
Run through this list before signing anything in Rocky Ridge:
- 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.