Hanksville at a glance
- Population: about 170 residents, ranking 241st of 255 Census places in Utah (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 158 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 7.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 241st in population of 255 places (US Census Bureau).
- Size percentile: it is larger than about 5% of the places in Utah (US Census Bureau).
- Coordinates: 38.3720, -110.7135 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Torrey, UT (39 mi); Bicknell, UT (45 mi); Lyman, UT (47 mi); Emery, UT (48 mi); Boulder, UT (50 mi); US Census Bureau population estimates.
- Smaller places nearby: Clawson, UT (56 mi); Antimony, UT (71 mi); Kingston, UT (80 mi), per US Census Bureau estimates.
What a personal loan costs in Hanksville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in Hanksville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Hanksville
A few practical steps will make the process in Hanksville 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.