Personal loans in Cleveland, UT
The first question in Cleveland is not the rate on offer but whether the payment fits; about 513 people live here under Utah lending law. With 513 residents, Cleveland outranks about 25% of the communities in Utah.
Judge Cleveland offers on total cost, not on how quickly the money arrives. The trend for Cleveland between 2020 and 2023 is upward by roughly 3.0%. Lenders active in Cleveland report to a Utah supervisor, identified in the sourced rows below. The next larger city is Huntington, UT about 6 miles away.
Where Cleveland stands
Cleveland is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 513 residents, 192nd of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 3.0% from 2020 to 2023.
- People gained or lost: about 15 more since the 2020 base.
- Size percentile: with 513 residents, Cleveland is larger than about 25% of Utah's Census places.
- Land and density: 0.9 square miles of land carry roughly 572 residents per square mile.
- Land area rank: Cleveland's 0.9 square miles rank 227th of 255 places in Utah.
- State population share: Cleveland accounts for about 0.0% of everyone in Utah.
- Nationally: Cleveland is the 13,062nd-largest of 19,457 Census places in the dataset.
- Growth in Utah: Cleveland stands 150th by percentage change from 2020 to 2023, among 255 places.
- Versus Utah: the state average change is +5.3%, while Cleveland moved 3.0%.
- Density rank: Cleveland places 145th among Utah's places by people per square mile.
- Density vs Utah: Cleveland's 572 people per square mile compare with a state median of 705.
- Location: latitude 39.3493, longitude -110.8554 (Census Gazetteer).
- Nearest larger cities: Huntington (6 mi); Castle Dale (13 mi); Orangeville (14 mi); Wellington (14 mi); Price (18 mi). Larger metros often have more branches, but online lenders reach Cleveland on the same terms.
- Smaller places nearby: Elmo (3 mi); Clawson (20 mi); Scofield (30 mi).
- Smaller places within 50 miles: 6 of them.
- Larger places within 100 miles: 77.
Utah rules behind a Cleveland personal loan
Read the table as a lender's compliance picture for Cleveland: the rule, the sourced figure, the publisher and the 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 |
Borrowing reach in Cleveland
Cleveland is a moderately settled community of about 513 people, with 17 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cleveland's 513 residents: the application is online and the price follows your credit file. The nearest bigger place is Huntington, UT about 6 miles away.
Where Cleveland sits in Utah
Set beside Utah's 255 places, Cleveland ranks 192nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 150th of 255 Utah places, putting it near the 41th percentile for growth. Its roughly 572 residents per square mile place it 145th among Utah's places. Between 2020 and 2023 the count changed by roughly 15 residents.
A pre-application checklist for Cleveland
For Cleveland's roughly 513 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Utah regulator's licence records before you sign.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Cleveland and the rest of Utah is not the process but the borrower's own file, among the 513 people here.
Land, water and location for Cleveland
Inside Cleveland's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 572 people per square mile. The largest place in Utah, Salt Lake City, lies about 114 miles away. Cleveland has 17 larger places within a 50-mile radius. The 100-mile radius contains 77 larger places.
Common questions
What are my options in Cleveland if my credit is poor?
What loan size can I expect in Cleveland?
Do I have to pledge anything to borrow in Cleveland?
Does comparing loans in Cleveland cost me credit score points?
Nearby places
- Elmo, UT — population 419
- Huntington, UT — population 1,982
- Castle Dale, UT — population 1,538
- Wellington, UT — population 1,630
- Orangeville, UT — population 1,262
- Price, UT — population 8,261
- Clawson, UT — population 166
- Helper, UT — population 2,126