Personal loans in Sunset, UT
A single loan can carry different costs on either side of a state line, and Sunset sits on the Utah side of that line.
Sunset is a small town in Utah, with an estimated 5,358 residents, and every licensed lender here follows the same state rulebook. With an estimated 5,358 residents, Sunset is the 92nd-largest of 255 places in Utah. Sunset lost roughly 2.1% of its population across the 2020-to-2023 comparison. For a community of about 5,358, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Clinton, UT about 2 miles away.
Where Sunset stands
Sunset is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 5,358 residents, 92nd of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 2.1% from 2020 to 2023.
- Net change: roughly 116 fewer people than the 2020 Census counted.
- Size percentile: Sunset sits ahead of around 64% of Utah places, at 5,358 people.
- Population density: about 3,667 people per square mile (Census land area 1.5 sq mi).
- Land area rank: Sunset's 1.5 square miles rank 202nd of 255 places in Utah.
- Share of Utah: Sunset holds about 0.2% of the state's population, some 5,358 people.
- National standing: Sunset ranks 4,633rd of 19,457 US places.
- Growth rank: Sunset ranks 230th among Utah's 255 places for the 2020-to-2023 change.
- Versus Utah: the state average change is +5.3%, while Sunset moved 2.1%.
- Density rank: Sunset is the 18th most densely settled place in Utah.
- Density in context: Sunset's 3,667 people per square mile sit against a Utah median of 705.
- Location: latitude 41.1381, longitude -112.0284 (Census Gazetteer).
- Nearest larger cities: Clinton (2 mi); Roy (3 mi); Riverdale (3 mi); Clearfield (3 mi); Washington Terrace (3 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Uintah (5 mi); Marriott-Slaterville (9 mi); Huntsville (16 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 30 of them.
- At 100 miles: 81 larger Census places fall inside that radius.
What to do before borrowing in Sunset
Complete these steps first when you borrow in Sunset (5,358 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Utah regulator's licence records before you sign.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
None of these steps is Sunset-specific: the same Utah licensing and disclosure rules reach all 5,358 residents.
The geography behind Sunset
Sunset's land area is roughly 1.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 3,667 residents per square mile. The state's population centre of gravity, Salt Lake City, is roughly 25 miles away. Counting outward 50 miles, 59 larger communities surround Sunset. Within the same 50 miles lie 30 smaller Census places.
Which Utah laws govern a loan in Sunset
For the roughly 5,358 residents of Sunset, the rules below are Utah's own; each row carries its publisher and retrieval date.
| 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 |
Borrowing reach in Sunset
Sunset is a fairly dense community of about 5,358 people, with 59 larger places inside a 50-mile radius. A Utah licence lets a lender serve Sunset without a local office, so branch density does not change what its 5,358 residents are offered. The nearest bigger place is Clinton, UT about 2 miles away.
Sunset's place among Utah's 255 places
Against Utah's other places, Sunset accounts for about 0.2% of the state's population and ranks 92nd of 255 by size. On the 2020-to-2023 trend, Sunset stands 230th among Utah's 255 places — roughly the 10th percentile. Its roughly 3,667 residents per square mile place it 18th among Utah's places. The population moved by about 116 people between 2020 and 2023, a 2.1% shift.
Common questions
What are my options in Sunset if my credit is poor?
What loan size can I expect in Sunset?
Do I have to pledge anything to borrow in Sunset?
Does comparing loans in Sunset cost me credit score points?
Nearby places
- Clinton, UT — population 23,588
- Roy, UT — population 38,592
- Clearfield, UT — population 34,470
- Riverdale, UT — population 9,160
- Washington Terrace, UT — population 9,070
- Syracuse, UT — population 37,022
- West Point, UT — population 12,479
- West Haven, UT — population 24,014