South Jordan at a glance
- Population: a Census-estimated 84,528, placing it 10th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 77,486 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 9.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 10th by size among 255 communities (US Census Bureau).
- Size percentile: larger than about 96% of the Census places in Utah (US Census Bureau).
- Coordinates: latitude 40.5550, longitude -111.9923 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: West Jordan, UT (3 mi); Sandy, UT (8 mi); West Valley City, UT (9 mi); Lehi, UT (11 mi); Salt Lake City, UT (16 mi) (US Census Bureau).
- Nearest smaller towns: Riverton, UT (3 mi); Herriman, UT (5 mi); Copperton metro, UT (6 mi) — US Census Bureau populations.
What a personal loan costs in South Jordan
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in South Jordan
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in South Jordan
Here is a short checklist for comparing personal loans in South Jordan:
- 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.