Boulder at a glance
- Population: 243 (US Census Bureau, Vintage 2023 subcounty estimate), the 232nd-largest of 255 places in Utah.
- 2020 Census base: 227 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 7.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: the 232nd-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: about 9% of places in Utah are smaller (US Census Bureau).
- Coordinates: it sits at 37.9228, -111.4319 in the US Census Bureau Gazetteer.
- Nearest larger cities: Escalante, UT (14 mi); Torrey, UT (27 mi); Bicknell, UT (30 mi); Loa, UT (35 mi); Tropic, UT (41 mi); US Census Bureau population estimates.
- Nearest smaller towns: Antimony, UT (32 mi); Lyman, UT (34 mi); Henrieville, UT (40 mi) — US Census Bureau populations.
What a personal loan costs in Boulder
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in Boulder
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Boulder.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Boulder
These steps are the ones that most affect the offer you receive in Boulder:
- 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.