Personal loans in Springville, UT
The first question in Springville is not the rate on offer but whether the payment fits; about 35,471 people live here under Utah lending law. The trend for Springville between 2020 and 2023 is upward by roughly 0.6%.
The Census counts 35,471 people in Springville, the 31st-largest figure among Utah's 255 places. Rate-shopping from Springville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A lender that serves Springville operates under Utah lending statutes and a Utah supervisor. The next larger city is Spanish Fork, UT about 4 miles away.
Springville: population, trend and location
Set out below is Springville's local context next to the state-level rules that reach every lender here.
- Population: about 35,471 people live here, which puts Springville 31st of 255 Census places in Utah (Vintage 2023).
- Population trend: Growth of about 0.6% across the 2020-to-2023 comparison.
- People gained or lost: about 209 more since the 2020 base.
- Size percentile: roughly 88% of Utah's places have fewer residents than Springville's 35,471.
- Population density: 2,451 people per square mile on 14.5 square miles of land.
- Land area: Springville covers 14.5 square miles, the 44th-largest area among Utah's 255 places.
- Water: Springville holds about 0.05 square miles, the 39th-largest water area in Utah.
- Share of Utah: Springville holds about 1.1% of the state's population, some 35,471 people.
- National standing: Springville ranks 1,132nd of 19,457 US places.
- Growth in Utah: Springville stands 195th by percentage change from 2020 to 2023, among 255 places.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Springville's 0.6%.
- Density rank: Springville places 45th among Utah's places by people per square mile.
- Density vs Utah: Springville's 2,451 people per square mile compare with a state median of 705.
- Location: latitude 40.1643, longitude -111.6195 (Census Gazetteer).
- Nearest larger cities: Spanish Fork (4 mi); Provo (6 mi); Orem (10 mi); Pleasant Grove (16 mi); American Fork (17 mi). Larger metros often have more branches, but online lenders reach Springville on the same terms.
- Smaller places close by: Mapleton (4 mi); Salem (8 mi); Woodland Hills (11 mi).
- Smaller neighbours: 55 places smaller than Springville sit within 50 miles.
- At 100 miles: 27 larger Census places fall inside that radius.
Springville in state context
Against Utah's other places, Springville accounts for about 1.1% of the state's population and ranks 31st of 255 by size. For population change between 2020 and 2023, Springville ranks 195th of 255 in Utah (about the 24th percentile). Its roughly 2,451 residents per square mile place it 45th among Utah's places. Between 2020 and 2023 the count changed by roughly 209 residents.
Which Utah laws govern a loan in Springville
These are Utah's sourced lending facts as they reach Springville's 35,471 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
How lenders reach Springville
Springville is fairly dense, with about 2,451 people per square mile and 22 larger places within 50 miles. Whether Springville has a local branch or not, a Utah-licensed lender can serve its 35,471 people online on the same terms. The nearest larger city, Spanish Fork, UT about 4 miles away.
Springville: area, density and distance
Springville's land area is about 14.5 square miles; a further 0.05 square miles is water. With 35,471 residents, the land area yields roughly 2,451 people per square mile. The largest place in Utah, Salt Lake City, lies about 45 miles away. Counting outward 50 miles, 22 larger communities surround Springville. The 100-mile radius contains 27 larger places.
What shapes a Springville personal loan
In Springville, a smaller city of about 35,471, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Springville's rank of 31st in Utah: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Springville loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Spanish Fork, UT — population 45,557
- Mapleton, UT — population 13,732
- Provo, UT — population 113,343
- Salem, UT — population 10,725
- Woodland Hills, UT — population 1,571
- Orem, UT — population 95,519
- Elk Ridge, UT — population 4,925
- Payson, UT — population 24,054