Big Water at a glance
- Population: the Census estimates 516 residents, ranking 190th of 255 places in Utah (Vintage 2023).
- 2020 Census base: 447 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 15.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 190th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 25% of Utah's Census places by population (US Census Bureau).
- Coordinates: mapped at 37.0729, -111.6608 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Page, AZ (12 mi); Kanab, UT (48 mi); Fredonia, AZ (48 mi); Escalante, UT (48 mi); Orderville, UT (56 mi) (US Census Bureau populations).
- Smaller places close by: Henrieville, UT (39 mi); Cannonville, UT (40 mi); Tropic, UT (45 mi) (US Census Bureau).
What a personal loan costs in Big Water
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Big Water
The Utah rate caps and licensing rules that reach Big Water are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Big Water
A few practical steps will make the process in Big Water less costly:
- 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.