Personal loans in Hyrum, UT
In Hyrum, one of 255 Census places in Utah, the figure to compare across lenders is the APR, not the advertised rate. Hyrum ranks 63rd of 255 places in Utah, with a population near 10,849.
A larger market lies at Logan, UT about 7 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 15.9%. A single loan can carry different costs on either side of a state line, and Hyrum sits on the Utah side of that line. For a community of about 10,849, the practical step is to compare APR across at least three lenders before committing.
Hyrum: population, trend and location
Most of what governs a Hyrum loan is written in Utah law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 10,849 residents, 63rd of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 15.9% from the 2020 Census base to the 2023 estimate.
- Absolute change: 1,491 residents added between 2020 and 2023.
- Size percentile: roughly 75% of Utah's places have fewer residents than Hyrum's 10,849.
- Population density: about 1,743 people per square mile across 6.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Hyrum ranks 112th among Utah's 255 places, at 6.2 sq mi.
- Water area: Hyrum has 0.02 square miles of water, ranking 57th of 255 places in Utah.
- Share of Utah: Hyrum holds about 0.3% of the state's population, some 10,849 people.
- National standing: Hyrum ranks 2,973rd of 19,457 US places.
- Growth rank: Hyrum's 2020-to-2023 change ranks 16th of 255 places in Utah.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Hyrum's 15.9%.
- Density rank: Hyrum places 58th among Utah's places by people per square mile.
- Density in context: Hyrum's 1,743 people per square mile sit against a Utah median of 705.
- Location: latitude 41.6328, longitude -111.8455 (Census Gazetteer).
- Nearest larger cities: Logan (7 mi); North Logan (10 mi); Brigham City (14 mi); Smithfield (14 mi); Tremonton (19 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Nibley (3 mi); Millville (4 mi); Paradise (5 mi).
- Smaller places within 50 miles: 57 of them.
- Larger places within 100 miles: 56.
How Hyrum compares across Utah
Set beside Utah's 255 places, Hyrum ranks 63rd by population and holds about 0.3% of the state total. For population change between 2020 and 2023, Hyrum ranks 16th of 255 in Utah (about the 94th percentile). Its roughly 1,743 residents per square mile place it 58th among Utah's places. In land area, Hyrum ranks 112th among Utah's 255 places.
Hyrum: area, density and distance
Hyrum's land area is about 6.2 square miles; a further 0.02 square miles is water. Spread across it are roughly 1,743 residents per square mile. The largest place in Utah, Salt Lake City, lies about 59 miles away. Hyrum has 19 larger places within a 50-mile radius. Within the same 50 miles lie 57 smaller Census places.
A pre-application checklist for Hyrum
Complete these steps first when you borrow in Hyrum (10,849 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Utah licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
In Hyrum as elsewhere in Utah, the written terms — not the advertisement — are what count for its 10,849 residents.
Utah rules behind a Hyrum personal loan
When Utah does not publish a figure, the row links to the source instead of inventing a number; Hyrum is bound by the same rules.
| 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 |
What shapes a Hyrum personal loan
Most loans made to Hyrum's 10,849 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Hyrum's 10,849 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Hyrum loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Hyrum if my credit is poor?
What loan size can I expect in Hyrum?
Do I have to pledge anything to borrow in Hyrum?
Does comparing loans in Hyrum cost me credit score points?
Nearby places
- Nibley, UT — population 8,271
- Millville, UT — population 2,468
- Paradise, UT — population 1,028
- Providence, UT — population 9,267
- River Heights, UT — population 2,180
- Wellsville, UT — population 4,194
- Logan, UT — population 55,250
- North Logan, UT — population 11,711