Randolph at a glance
- Population: 483 (US Census Bureau, Vintage 2023 subcounty estimate), the 198th-largest of 255 places in Utah.
- 2020 Census base: 471 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 198th out of 255 Census places (US Census Bureau).
- Size percentile: about 22% of places in Utah are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.6655, -111.1846.
- Nearest larger cities: Bear River, WY (21 mi); Garden City, UT (22 mi); Evanston, WY (30 mi); Cokeville, WY (31 mi); Providence, UT (33 mi); US Census Bureau population estimates.
- Nearest smaller communities: Woodruff, UT (10 mi); Laketown, UT (14 mi); St. Charles, ID (33 mi), each a US Census place.
What a personal loan costs in Randolph
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Randolph
Each row below is a Utah rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Randolph
Before you share your details with a lender in Randolph:
- 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.