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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorUtah 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 licensingConsumer 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Holladay if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Holladay is the same as anywhere in Utah.
What loan size can I expect in Holladay?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Holladay?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Holladay cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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