Santa Clara at a glance
- Population: roughly 8,492 people; 74th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 7,550 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 12.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 74th in population of 255 places (US Census Bureau).
- Size percentile: it is larger than about 71% of the places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.1314, -113.6566.
- Nearest larger cities: Ivins, UT (3 mi); St. George, UT (6 mi); Washington, UT (9 mi); Hurricane, UT (16 mi); Mesquite, NV (34 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Leeds, UT (19 mi); Toquerville, UT (22 mi); La Verkin, UT (23 mi) (Census populations).
What a personal loan costs in Santa Clara
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Santa Clara
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Santa Clara
Before you share your details with a lender in Santa Clara:
- 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.