West Haven at a glance
- Population: 24,014 — 41st in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 16,754 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 43.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 41st by size among 255 communities (US Census Bureau).
- Size percentile: about 84% of places in Utah are smaller (US Census Bureau).
- Coordinates: 41.2091 / -112.0536, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Roy, UT (3 mi); Ogden, UT (5 mi); Clearfield, UT (8 mi); Syracuse, UT (9 mi); Layton, UT (10 mi) (US Census Bureau populations).
- Smaller places nearby: Riverdale, UT (4 mi); Marriott-Slaterville, UT (4 mi); Washington Terrace, UT (5 mi), per US Census Bureau estimates.
What a personal loan costs in West Haven
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in West Haven
The table lists the Utah rules that apply to a loan made in West Haven, 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 West Haven
Here is a short checklist for comparing personal loans in West Haven:
- 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.