Personalloaned Compare rates

UT · city page

Personal loans in Hildale, UT

For a borrower in Hildale, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Census estimates count about 1,239 residents in Hildale, making it the 150th-largest of 255 places in Utah. The sourced table below shows the Utah rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Hildale at a glance

  • Population: the Census estimates 1,239 residents, ranking 150th of 255 places in Utah (Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 1,144 (US Census Bureau).
  • 2020 to 2023 change: population rose about 8.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Utah places: the 150th-largest of 255 (US Census Bureau, 2023 estimate).
  • Size percentile: about 41% of Utah's Census places are smaller (US Census Bureau).
  • Coordinates: 37.0154, -112.9998 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Colorado City, AZ (3 mi); La Verkin, UT (20 mi); Hurricane, UT (22 mi); Toquerville, UT (24 mi); Kanab, UT (26 mi), each a US Census place with its estimated population.
  • Smaller places close by: Apple Valley, UT (7 mi); Rockville, UT (10 mi); Springdale, UT (11 mi) (US Census Bureau).

What a personal loan costs in Hildale

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

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.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

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 Hildale

Read the table as the compliance picture for a lender serving Hildale: label, sourced figure, publisher and date.

RuleDetailSource
State lending regulatorUtah 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 statusLegal; 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 licensingConsumer 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 Hildale

A few practical steps will make the process in Hildale less costly:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Utah using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Hildale?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Hildale are the same as elsewhere in Utah.
How much can I borrow with a personal loan in Hildale?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Hildale require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Hildale hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related