Personal loans in Castle Valley, UT
State law, not city hall, decides what a lender may do to Castle Valley's roughly 362 residents, and a state regulator supervises it.
The roughly 362 people who live in Castle Valley borrow under Utah rules; city hall sets no personal-loan rate. The Census estimates 362 residents in Castle Valley, which ranks it 210th of 255 places in Utah. A 2020-to-2023 comparison shows Castle Valley up by about 4.3%. For a community of about 362, the practical step is to compare APR across at least three lenders before committing. Borrowers who want a bigger city can look to Moab, UT about 9 miles away.
Castle Valley: the sourced local profile
Castle Valley is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 362 — Castle Valley ranks 210th of 255 communities in Utah (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 4.3% from 2020 to 2023.
- People gained or lost: about 15 more since the 2020 base.
- Size percentile: about 18% of Utah's Census places are smaller than Castle Valley.
- Population density: about 41 people per square mile (Census land area 8.8 sq mi).
- Land area rank: Castle Valley's 8.8 square miles rank 76th of 255 places in Utah.
- State share: roughly 0.0% of Utah's residents live in Castle Valley (362 people).
- National rank: Castle Valley sits 14,491st by population among the 19,457 places in this dataset.
- Growth rank: Castle Valley's 2020-to-2023 change ranks 122nd of 255 places in Utah.
- Against the state trend: Castle Valley's 4.3% change compares with a Utah average of +5.3% across its 255 places.
- Density rank: Castle Valley is the 236th most densely settled place in Utah.
- Against the state median: Castle Valley runs about 41 residents per square mile, where the Utah median is 705.
- Location: 38.6321, -109.3960 (Census Gazetteer coordinates).
- Nearest larger cities: Moab (9 mi); Green River (49 mi); Fruita (51 mi); Nucla (52 mi); Monticello (53 mi). Larger metros often have more branches, but online lenders reach Castle Valley on the same terms.
- Smaller places close by: Hanksville (73 mi); Sawpit (87 mi); Bluff (93 mi).
- Smaller places within 50 miles: 0 of them.
- Within 100 miles: 35 places are larger than Castle Valley.
Utah rules behind a Castle Valley personal loan
Every row below records a Utah rule, its publisher and its retrieval date — the same rules a Castle Valley lender must follow.
| 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 |
What to do before borrowing in Castle Valley
Before you apply in Castle Valley, a community of about 362, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Utah licence with the regulator listed on this page.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
In Castle Valley as elsewhere in Utah, the written terms — not the advertisement — are what count for its 362 residents.
Castle Valley: area, density and distance
Castle Valley covers about 8.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 41 residents per square mile. The largest place in Utah, Salt Lake City, lies about 200 miles away. Within 50 miles of Castle Valley there are 2 larger Census places. The 100-mile radius contains 35 larger places.
How personal loans work in Castle Valley
In Castle Valley, a small community of about 362, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Castle Valley's 362 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Castle Valley loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Castle Valley
With about 41 residents per square mile, Castle Valley is sparsely settled, and 2 larger Census places sit within 50 miles. Whether Castle Valley has a local branch or not, a Utah-licensed lender can serve its 362 people online on the same terms. The nearest larger city, Moab, UT about 9 miles away.
Common questions
What are my options in Castle Valley if my credit is poor?
What loan size can I expect in Castle Valley?
Do I have to pledge anything to borrow in Castle Valley?
Does comparing loans in Castle Valley cost me credit score points?
Nearby places
- Moab, UT — population 5,221
- Monticello, UT — population 1,729
- Fruita, CO — population 13,816
- Green River, UT — population 881
- Nucla, CO — population 583
- Naturita, CO — population 474
- Grand Junction, CO — population 69,412
- Dove Creek, CO — population 684