Springdale at a glance
- Population: roughly 589 people; 185th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 514 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 14.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 185th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: about 27% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: 37.1817 latitude, -113.0050 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Apple Valley, UT (9 mi); Virgin, UT (11 mi); Hildale, UT (11 mi); La Verkin, UT (14 mi); Colorado City, AZ (15 mi) (US Census Bureau populations).
- Nearest smaller places: Rockville, UT (4 mi); Glendale, UT (24 mi); Kanarraville, UT (26 mi) (US Census Bureau estimates).
What a personal loan costs in Springdale
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
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 Springdale
The table lists the Utah rules that apply to a loan made in Springdale, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Springdale
Before you share your details with a lender in Springdale:
- 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.