West Jordan at a glance
- Population: the Census estimates 114,908 residents, ranking 3rd of 255 places in Utah (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 116,963 (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.8% since the 2020 count (US Census Bureau).
- Rank among Utah places: the 3rd-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 99% of Utah places in population terms (US Census Bureau).
- Coordinates: it sits at 40.6027, -112.0013 in the US Census Bureau Gazetteer.
- Nearest larger cities: West Valley City, UT (6 mi); Salt Lake City, UT (13 mi), each a US Census place with its estimated population.
- Smaller places close by: South Jordan, UT (3 mi); Kearns metro, UT (3 mi); Taylorsville, UT (5 mi) (US Census Bureau).
What a personal loan costs in West Jordan
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in West Jordan
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 West Jordan
The order below is a sensible way to approach a loan in West 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.