Layton at a glance
- Population: 83,516, the 11th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 81,779 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 11th out of 255 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 96% of Utah's Census places by population (US Census Bureau).
- Coordinates: 41.0774 / -111.9607, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Ogden, UT (10 mi); Salt Lake City, UT (21 mi); West Valley City, UT (27 mi); West Jordan, UT (33 mi); Sandy, UT (35 mi) (US Census Bureau).
- Smaller places nearby: Clearfield, UT (3 mi); Kaysville, UT (3 mi); South Weber, UT (4 mi), per US Census Bureau estimates.
What a personal loan costs in Layton
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Layton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Layton
The steps below are worth completing first when you borrow in Layton:
- 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.