Syracuse at a glance
- Population: 37,022 people, the 29th-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 32,137 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 15.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 29th in population of 255 places (US Census Bureau).
- Size percentile: roughly 89% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 41.0858, -112.0687 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Layton, UT (6 mi); Roy, UT (6 mi); Ogden, UT (11 mi); Bountiful, UT (18 mi); Salt Lake City, UT (23 mi) (US Census Bureau).
- Nearest smaller communities: Clearfield, UT (3 mi); West Point, UT (3 mi); Clinton, UT (4 mi) (Census populations).
What a personal loan costs in Syracuse
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Syracuse
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Syracuse
The steps below are worth completing first when you borrow in Syracuse:
- 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.