Woodland Hills at a glance
- Population: 1,571 people, the 133rd-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,528 (US Census Bureau).
- 2020 to 2023 change: population rose about 2.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 133rd of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 48% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 40.0134, -111.6560 by the US Census Bureau Gazetteer.
- Nearest larger cities: Elk Ridge, UT (1 mi); Salem, UT (3 mi); Payson, UT (5 mi); Spanish Fork, UT (7 mi); Santaquin, UT (8 mi); US Census Bureau population estimates.
- Nearest smaller communities: Rocky Ridge, UT (11 mi); Goshen, UT (14 mi); Eureka, UT (25 mi) (Census populations).
What a personal loan costs in Woodland Hills
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Utah lending rules that apply in Woodland Hills
The Utah rate caps and licensing rules that reach Woodland Hills are listed below, each with its source and retrieval date.
| 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 Woodland Hills
Before you commit to a personal loan in Woodland Hills, work through these steps:
- 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.