St. George at a glance
- Population: the Census estimates 104,578 residents, ranking 5th of 255 places in Utah (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 95,344 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 9.7% since the 2020 count (US Census Bureau).
- Rank among Utah places: 5th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 98% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: 37.0770 latitude, -113.5765 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: North Las Vegas, NV (100 mi); Henderson, NV (109 mi); Las Vegas, NV (110 mi); US Census Bureau population estimates.
- Smaller towns nearby: Santa Clara, UT (6 mi); Washington, UT (6 mi); Ivins, UT (9 mi) (US Census Bureau).
What a personal loan costs in St. George
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Utah lending rules that apply in St. George
The Utah rate caps and licensing rules that reach St. George are listed below, each with its source and retrieval date.
| 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 St. George
Before you commit to a personal loan in St. George, work through these steps:
- 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.