Woods Cross at a glance
- Population: about 11,480, 61st by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 11,413 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 0.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 61st largest of 255 (US Census Bureau).
- Size percentile: about 76% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.8732, -111.9178.
- Nearest larger cities: North Salt Lake, UT (2 mi); Bountiful, UT (3 mi); Centerville, UT (4 mi); Salt Lake City, UT (7 mi); Farmington, UT (8 mi); US Census Bureau population estimates.
- Smaller places nearby: West Bountiful, UT (2 mi); Fruit Heights, UT (11 mi); Emigration Canyon metro, UT (11 mi), per US Census Bureau estimates.
What a personal loan costs in Woods Cross
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Utah lending rules that apply in Woods Cross
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Woods Cross.
| 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 Woods Cross
A few practical steps will make the process in Woods Cross 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.