Logan at a glance
- Population: 55,250 (US Census Bureau, Vintage 2023 subcounty estimate), the 16th-largest of 255 places in Utah.
- 2020 Census base: the 2020 count put the population at 52,806 (US Census Bureau).
- 2020 to 2023 change: about 4.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 16th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: about 94% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: 41.7403 / -111.8418, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Ogden, UT (36 mi); Layton, UT (46 mi); Salt Lake City, UT (67 mi); Millcreek, UT (73 mi); West Valley City, UT (73 mi) (US Census Bureau).
- Nearest smaller towns: River Heights, UT (2 mi); Providence, UT (3 mi); North Logan, UT (3 mi) — US Census Bureau populations.
What a personal loan costs in Logan
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Logan
The table carries the Utah rate and licensing rules that apply to consumer loans made in Logan.
| 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 Logan
Run through this list before signing anything in Logan:
- 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.