Personal loans in Centerville, UT
Personal loans in Centerville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 16,517 population. Centerville is one of 255 Census places in Utah; its 16,517 residents put it at 52nd.
Judge Centerville offers on total cost, not on how quickly the money arrives. Population in Centerville dropped about 2.2% over the three years from 2020 to 2023. Which products a lender may offer to Centerville's 16,517 residents follows from the Utah consumer-lending framework. The closest larger place is Bountiful, UT about 4 miles away.
Centerville by the numbers
Here is the sourced Census picture for Centerville, plus the Utah lending rules that apply to a loan taken out here.
- Population: 16,517 — Centerville ranks 52nd of 255 communities in Utah (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 368 residents.
- Size percentile: about 80% of Utah communities are smaller than Centerville (16,517 residents).
- Land and density: 5.9 square miles of land carry roughly 2,787 residents per square mile.
- Land area: Centerville covers 5.9 square miles, the 120th-largest area among Utah's 255 places.
- Water area: Centerville has 0.07 square miles of water, ranking 34th of 255 places in Utah.
- Share of state population: Centerville's 16,517 residents are about 0.5% of Utah.
- Nationally: Centerville is the 2,209th-largest of 19,457 Census places in the dataset.
- Growth rank: Centerville's 2020-to-2023 change ranks 232nd of 255 places in Utah.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Centerville's 2.2%.
- Density in Utah: Centerville ranks 36th by people per square mile.
- Against the state median: Centerville runs about 2,787 residents per square mile, where the Utah median is 705.
- Location: it lies at 40.9263, -111.8833 in the Census Gazetteer.
- Nearest larger cities: Bountiful (4 mi); Farmington (4 mi); North Salt Lake (6 mi); Kaysville (8 mi); Salt Lake City (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: West Bountiful (2 mi); Woods Cross (4 mi); Fruit Heights (7 mi).
- Smaller neighbours: 54 places smaller than Centerville sit within 50 miles.
- Within 100 miles: 47 places are larger than Centerville.
Utah consumer-lending rules applied in Centerville
For the roughly 16,517 residents of Centerville, the rules below are Utah's own; each row carries its publisher and retrieval date.
| 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 |
Centerville: area, density and distance
The Census Gazetteer records 5.9 square miles of land and 0.07 square miles of water within Centerville. That land carries about 2,787 people per square mile. Salt Lake City, the largest place in Utah, is about 11 miles from Centerville. Counting outward 50 miles, 42 larger communities surround Centerville. By land area it ranks 120th of 255 Utah places.
The Centerville borrowing checklist
A sensible order of operations for a loan in Centerville, home to about 16,517 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Utah licence with the regulator named above before committing.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Centerville and the rest of Utah is not the process but the borrower's own file, among the 16,517 people here.
How lenders reach Centerville
At roughly 2,787 people per square mile, Centerville is fairly dense; 42 larger places lie within 50 miles. Whether Centerville has a local branch or not, a Utah-licensed lender can serve its 16,517 people online on the same terms. The nearest larger city, Bountiful, UT about 4 miles away.
How Centerville compares across Utah
Centerville is the 52nd-largest of 255 Census places in Utah and contains about 0.5% of the state's people. For population change between 2020 and 2023, Centerville ranks 232nd of 255 in Utah (about the 9th percentile). Its roughly 2,787 residents per square mile place it 36th among Utah's places. By land area, its 5.9 square miles rank 120th of 255 places in Utah.
Common questions
What are my options in Centerville if my credit is poor?
What loan size can I expect in Centerville?
Do I have to pledge anything to borrow in Centerville?
Does comparing loans in Centerville cost me credit score points?
Nearby places
- West Bountiful, UT — population 5,857
- Bountiful, UT — population 44,144
- Farmington, UT — population 25,771
- Woods Cross, UT — population 11,480
- North Salt Lake, UT — population 23,560
- Fruit Heights, UT — population 5,950
- Kaysville, UT — population 32,941
- Salt Lake City, UT — population 209,593