Bryce Canyon City at a glance
- Population: a Census-estimated 337, placing it 213th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 325 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 3.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 213th by size among 255 communities (US Census Bureau).
- Size percentile: roughly 16% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 37.6820, -112.1616 (US Census Bureau Gazetteer).
- Nearest larger cities: Tropic, UT (5 mi); Panguitch, UT (18 mi); Escalante, UT (31 mi); Circleville, UT (34 mi); Paragonah, UT (36 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Cannonville, UT (11 mi); Henrieville, UT (12 mi); Hatch, UT (15 mi) — US Census Bureau populations.
What a personal loan costs in Bryce Canyon City
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Utah lending rules that apply in Bryce Canyon City
Each row below is a Utah rule with its publisher and the date it was retrieved.
| 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 |
| 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 |
How to compare offers in Bryce Canyon City
A few practical steps will make the process in Bryce Canyon City 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.