Kearns metro at a glance
- Population: a Census-estimated 37,767, placing it 27th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 36,720 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.9% since the 2020 count (US Census Bureau).
- Rank among Utah places: 27th of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 89% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: latitude 40.6519, longitude -112.0094 (US Census Bureau Gazetteer).
- Nearest larger cities: West Valley City, UT (3 mi); Taylorsville, UT (3 mi); West Jordan, UT (3 mi); Murray, UT (6 mi); South Jordan, UT (7 mi); US Census Bureau population estimates.
- Smaller places nearby: Midvale, UT (7 mi); South Salt Lake, UT (7 mi); Copperton metro, UT (8 mi), per US Census Bureau estimates.
What a personal loan costs in Kearns metro
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total 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.
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 Kearns metro
The table lists the Utah rules that apply to a loan made in Kearns metro, 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 Kearns metro
These steps are the ones that most affect the offer you receive in Kearns metro:
- 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.