Personal loans in Highland, UT

From the 2020 Census base to the 2023 estimate, the population rose by about 4.4%. The roughly 20,217 people who live in Highland borrow under Utah rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Highland ranks 46th of 255 places in Utah, with a population near 20,217. The next larger city is American Fork, UT about 3 miles away. A single loan can carry different costs on either side of a state line, and Highland sits on the Utah side of that line. Verify the lender's Utah licence against the regulator named below before borrowing in Highland.

What the Census records for Highland

Here is the sourced Census picture for Highland, plus the Utah lending rules that apply to a loan taken out here.

Getting a loan in Highland

Highland is a fairly dense community of about 20,217 people, with 35 larger places inside a 50-mile radius. A Utah licence lets a lender serve Highland without a local office, so branch density does not change what its 20,217 residents are offered. The nearest bigger place is American Fork, UT about 3 miles away.

How personal loans work in Highland

With roughly 20,217 residents, Highland is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Highland lender to disclose the APR and finance charge before you sign. The term you choose in Highland decides the split between a comfortable payment and the total interest you pay.

Highland on the map

Highland covers about 8.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 20,217 residents, the land area yields roughly 2,327 people per square mile. The largest place in Utah, Salt Lake City, lies about 25 miles away. Within 50 miles of Highland there are 35 larger Census places. By land area it ranks 80th of 255 Utah places.

The state rulebook for Highland

The rows below set out what a licensed lender must follow in Utah, and so for Highland's roughly 20,217 residents.

RuleDetailSource
State lending regulatorUtah 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
Payday lending statusLegal; 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 licensingConsumer 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

Highland's place among Utah's 255 places

Against Utah's other places, Highland accounts for about 0.6% of the state's population and ranks 46th of 255 by size. On the 2020-to-2023 trend, Highland stands 120th among Utah's 255 places — roughly the 53th percentile. Its roughly 2,327 residents per square mile place it 46th among Utah's places. In land area, Highland ranks 80th among Utah's 255 places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Highland if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Highland is the same as anywhere in Utah.
What loan size can I expect in Highland?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Highland?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Highland cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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