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. 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.
- Population: 20,217 people, a figure that places Highland 46th among the 255 Census places in Utah (US Census Bureau, Vintage 2023).
- Population trend: Roughly 4.4% more residents than the 2020 Census counted.
- Net change: roughly 860 more people than the 2020 Census counted.
- Size percentile: roughly 82% of Utah's places have fewer residents than Highland's 20,217.
- Density: the Census land area of 8.7 sq mi holds about 2,327 people per square mile.
- Land area: Highland covers 8.7 square miles, the 80th-largest area among Utah's 255 places.
- Share of state population: Highland's 20,217 residents are about 0.6% of Utah.
- Nationally: Highland is the 1,867th-largest of 19,457 Census places in the dataset.
- Growth rank: Highland's 2020-to-2023 change ranks 120th of 255 places in Utah.
- Against the state trend: Highland's 4.4% change compares with a Utah average of +5.3% across its 255 places.
- Density rank: Highland places 46th among Utah's places by people per square mile.
- Density in context: Highland's 2,327 people per square mile sit against a Utah median of 705.
- Location: the Census Gazetteer records it at 40.4276, -111.7956.
- Nearest larger cities: American Fork (3 mi); Lehi (4 mi); Pleasant Grove (5 mi); Draper (6 mi); Saratoga Springs (9 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Cedar Hills (2 mi); Alpine (3 mi); Lindon (7 mi).
- Smaller places within 50 miles: 50 of them.
- Within 100 miles: 41 places are larger than Highland.
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.
| 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 |
| 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 |
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.
Common questions
What are my options in Highland if my credit is poor?
What loan size can I expect in Highland?
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Does comparing loans in Highland cost me credit score points?
Nearby places
- Alpine, UT — population 10,298
- Cedar Hills, UT — population 9,800
- American Fork, UT — population 38,549
- Lehi, UT — population 90,227
- Pleasant Grove, UT — population 37,294
- Draper, UT — population 49,602
- Lindon, UT — population 11,734
- Vineyard, UT — population 14,500