South Ogden at a glance
- Population: 17,678, the 50th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 17,493 (US Census Bureau).
- 2020 to 2023 change: up about 1.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 50th in population of 255 places (US Census Bureau).
- Size percentile: roughly 80% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: latitude 41.1722, longitude -111.9577 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Ogden, UT (4 mi); Roy, UT (5 mi); West Haven, UT (6 mi); Clearfield, UT (6 mi); Clinton, UT (6 mi) (US Census Bureau).
- Nearest smaller places: Washington Terrace, UT (1 mi); Riverdale, UT (2 mi); Uintah, UT (3 mi) (US Census Bureau estimates).
What a personal loan costs in South Ogden
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in South Ogden
The table lists the Utah rules that apply to a loan made in South Ogden, each with the regulator that published it.
| 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 South Ogden
A few practical steps will make the process in South Ogden 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.