Personal loans in Emery, UT

In Emery, one of 255 Census places in Utah, the figure to compare across lenders is the APR, not the advertised rate. Census figures put the 2020-to-2023 increase in Emery at about 2.9%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Emery loan. Borrowers who want a bigger city can look to Ferron, UT about 13 miles away.

What the Census records for Emery

Only a few things actually differ by place — population, area, location, and the Utah rules a lender must follow — and they are below.

• Population: about 317 people live here, which puts Emery 217th of 255 Census places in Utah (Vintage 2023).
• Population trend: A gain of roughly 2.9% between 2020 and 2023.
• Absolute change: 9 residents added between 2020 and 2023.
• Size percentile: about 15% of Utah's Census places are smaller than Emery.
• Population density: about 258 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Emery covers 1.2 square miles, the 212th-largest area among Utah's 255 places.
• Within Utah: about 0.0% of the state's population lives in Emery.
• National rank: Emery is 14,915th of 19,457 places nationwide.
• Growth rank: Emery ranks 156th among Utah's 255 places for the 2020-to-2023 change.
• Against the state trend: Emery's 2.9% change compares with a Utah average of +5.3% across its 255 places.
• Density in Utah: Emery ranks 187th by people per square mile.
• Density vs Utah: Emery's 258 people per square mile compare with a state median of 705.
• Location: latitude 38.9252, longitude -111.2522 (Census Gazetteer).
• Nearest larger cities: Ferron (13 mi); Orangeville (24 mi); Castle Dale (24 mi); Mayfield (28 mi); Manti (31 mi). Larger metros often have more branches, but online lenders reach Emery on the same terms.
• Smaller places close by: Clawson (16 mi); Sterling (30 mi); Fayette (38 mi).
• Smaller places within 50 miles: 7 of them.
• Larger places within 100 miles: 68.

Borrowing reach in Emery

At roughly 258 people per square mile, Emery is lightly settled; 26 larger places lie within 50 miles. A Utah licence lets a lender serve Emery without a local office, so branch density does not change what its 317 residents are offered. For a larger market, the closest option is Ferron, UT about 13 miles away.

The Emery borrowing checklist

Before you apply in Emery, a community of about 317, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Utah licence by checking the regulator named above.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Utah; what changes is your credit file, not the fact that Emery holds 317 people.

Utah consumer-lending rules applied in Emery

Read the table as a lender's compliance picture for Emery: the rule, the sourced figure, the publisher and the date.

Where Emery sits in Utah

Emery is the 217th-largest of 255 Census places in Utah and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Emery stands 156th among Utah's 255 places — roughly the 39th percentile. At about 258 people per square mile, Emery is the 187th most densely settled place in Utah. Between 2020 and 2023 the count changed by roughly 9 residents.

The geography behind Emery

The Census Gazetteer records about 1.2 square miles of land within Emery, with no significant water area listed. With 317 residents, the land area yields roughly 258 people per square mile. Salt Lake City, the largest place in Utah, is about 133 miles from Emery. Counting outward 50 miles, 26 larger communities surround Emery. The 100-mile radius contains 68 larger places.