Personal loans in South Salt Lake, UT
A lender serving South Salt Lake holds a Utah licence and answers to a Utah regulator; no city office is involved for its 26,122 residents.
For the 26,122 people in South Salt Lake, Utah runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. South Salt Lake is one of 255 Census places in Utah; its 26,122 residents put it at 38th. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a South Salt Lake loan. Census figures put the 2020-to-2023 decrease in South Salt Lake at about 2.4%. The closest larger place is Millcreek, UT about 4 miles away.
South Salt Lake: the sourced local profile
Two layers matter for a South Salt Lake borrower: the local population picture and Utah's consumer-lending statutes.
- Population: an estimated 26,122 residents, 38th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 2.4% between 2020 and 2023.
- People gained or lost: about 646 fewer since the 2020 base.
- Size percentile: about 85% of Utah's Census places are smaller than South Salt Lake.
- Population density: 3,763 people per square mile on 6.9 square miles of land.
- Land area rank: South Salt Lake's 6.9 square miles rank 106th of 255 places in Utah.
- Share of state population: South Salt Lake's 26,122 residents are about 0.8% of Utah.
- National rank: South Salt Lake is the 1,498th most populous of the 19,457 Census places covered here.
- Growth rank: South Salt Lake's 2020-to-2023 change ranks 235th of 255 places in Utah.
- Versus Utah: the state average change is +5.3%, while South Salt Lake moved 2.4%.
- Density rank: South Salt Lake places 15th among Utah's places by people per square mile.
- Density in context: South Salt Lake's 3,763 people per square mile sit against a Utah median of 705.
- Location: 40.7056 / -111.8986, per the US Census Bureau Gazetteer.
- Nearest larger cities: Millcreek (4 mi); Murray (4 mi); Taylorsville (4 mi); Holladay (5 mi); Salt Lake City (5 mi). Lenders licensed in the state serve South Salt Lake whether or not they keep a local branch.
- Smaller communities within reach: White City metro (10 mi); North Salt Lake (10 mi); Emigration Canyon metro (10 mi).
- Within a 50-mile radius: 63 smaller Census places.
- Larger places within 100 miles: 34.
The state rulebook for South Salt Lake
Read the table as a lender's compliance picture for South Salt Lake: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| 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 |
Before you apply in South Salt Lake
Before you apply in South Salt Lake, a community of about 26,122, work through these steps:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Utah licence with the regulator named above before committing.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
What differs between South Salt Lake and the rest of Utah is not the process but the borrower's own file, among the 26,122 people here.
Inside a South Salt Lake personal loan
With roughly 26,122 residents, South Salt Lake is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in South Salt Lake can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a South Salt Lake loan is knowable in advance — unlike a revolving card balance.
South Salt Lake in state context
Within Utah, South Salt Lake holds roughly 0.8% of all residents, the 38th-largest share among 255 places. For population change between 2020 and 2023, South Salt Lake ranks 235th of 255 in Utah (about the 8th percentile). At about 3,763 people per square mile, South Salt Lake is the 15th most densely settled place in Utah. Within 50 miles sit 63 smaller Census places, alongside the 33 that are larger.
Where South Salt Lake sits
The Census Gazetteer records about 6.9 square miles of land within South Salt Lake, with no significant water area listed. The resulting density is about 3,763 people per square mile. The largest place in Utah, Salt Lake City, lies about 5 miles away. Within 50 miles of South Salt Lake there are 33 larger Census places. By land area it ranks 106th of 255 Utah places.
Common questions
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Nearby places
- Murray, UT — population 49,553
- Taylorsville, UT — population 57,098
- Millcreek, UT — population 62,205
- Salt Lake City, UT — population 209,593
- Holladay, UT — population 30,298
- Midvale, UT — population 35,561
- West Valley City, UT — population 134,470
- Kearns metro, UT — population 37,767