Stockton at a glance
- Population: 624 residents, the 180th-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 619 residents here (US Census Bureau).
- 2020 to 2023 change: up about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 180th largest of 255 (US Census Bureau).
- Size percentile: it is larger than about 29% of the places in Utah (US Census Bureau).
- Coordinates: it sits at 40.4441, -112.3744 in the US Census Bureau Gazetteer.
- Nearest larger cities: Tooele, UT (7 mi); Erda, UT (13 mi); Grantsville, UT (13 mi); Copperton metro, UT (17 mi); Lake Point, UT (17 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Rush Valley, UT (7 mi); Cedar Fort, UT (16 mi); Fairfield, UT (21 mi) (US Census Bureau).
What a personal loan costs in Stockton
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Stockton
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Stockton.
| 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 Stockton
Before you commit to a personal loan in Stockton, 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.