Personal loans in Holladay, UT
If you are weighing a personal loan in Holladay, start from the payment you can carry; its 30,298 residents face the same statewide rules. Roughly 30,298 residents live in Holladay, the 36th-largest community in Utah.
The trend for Holladay between 2020 and 2023 is downward by roughly 5.2%. Judge Holladay offers on total cost, not on how quickly the money arrives. The closest larger city is Millcreek, UT about 2 miles away. When Utah caps or restricts a product, lenders either change the terms or withdraw it from Holladay as from the rest of the state.
Holladay: population, trend and location
Set out below is Holladay's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 30,298, 36th among Utah's 255 places (Vintage 2023).
- Population trend: About 5.2% below the 2020 Census base.
- People gained or lost: about 1,663 fewer since the 2020 base.
- Size percentile: Holladay sits ahead of around 86% of Utah places, at 30,298 people.
- Land and density: 8.5 square miles of land carry roughly 3,562 residents per square mile.
- By land area: Holladay ranks 84th among Utah's 255 places, at 8.5 sq mi.
- Share of Utah: Holladay holds about 0.9% of the state's population, some 30,298 people.
- National rank: Holladay is 1,303rd of 19,457 places nationwide.
- Growth rank: Holladay's 2020-to-2023 change ranks 248th of 255 places in Utah.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Holladay's 5.2%.
- Density in Utah: Holladay ranks 21st by people per square mile.
- Density in context: Holladay's 3,562 people per square mile sit against a Utah median of 705.
- Location: 40.6599, -111.8227 (Census Gazetteer coordinates).
- Nearest larger cities: Millcreek (2 mi); Cottonwood Heights (3 mi); Murray (3 mi); Midvale (5 mi); Sandy (6 mi). Living near a larger metro rarely changes what is available in Holladay.
- Smaller places close by: South Salt Lake (5 mi); White City metro (7 mi); Emigration Canyon metro (10 mi).
- Smaller places within 50 miles: 66 of them.
- At 100 miles: 32 larger Census places fall inside that radius.
Getting a loan in Holladay
Holladay is fairly dense, with about 3,562 people per square mile and 31 larger places within 50 miles. Distance to a branch rarely matters for Holladay's 30,298 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Millcreek, UT about 2 miles away.
What Utah law requires in Holladay
Utah has no separate rate rule for Holladay; the sourced rows below are what reach every lender that serves its 30,298 people.
| 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 |
| 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 |
| 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 |
Holladay: area, density and distance
Holladay's land area is roughly 8.5 square miles, and the Gazetteer records no significant water area within it. With 30,298 residents, the land area yields roughly 3,562 people per square mile. The state's population centre of gravity, Salt Lake City, is roughly 10 miles away. Counting outward 50 miles, 31 larger communities surround Holladay. Within the same 50 miles lie 66 smaller Census places.
Inside a Holladay personal loan
Holladay is a smaller city of about 30,298 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Holladay loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Holladay loan but raises total interest, so the smallest payment is not the cheapest loan.
How Holladay compares across Utah
Set beside Utah's 255 places, Holladay ranks 36th by population and holds about 0.9% of the state total. Its 2020-to-2023 change ranks 248th of 255 Utah places, putting it near the 3th percentile for growth. By density, at about 3,562 people per square mile, it ranks 21st in Utah. In land area, Holladay ranks 84th among Utah's 255 places.
Common questions
What are my options in Holladay if my credit is poor?
What loan size can I expect in Holladay?
Do I have to pledge anything to borrow in Holladay?
Does comparing loans in Holladay cost me credit score points?
Nearby places
- Millcreek, UT — population 62,205
- Cottonwood Heights, UT — population 32,204
- Murray, UT — population 49,553
- Midvale, UT — population 35,561
- South Salt Lake, UT — population 26,122
- Sandy, UT — population 91,943
- White City metro, UT — population 5,676
- Taylorsville, UT — population 57,098