Personal loans in Torrey, UT

A 2020-to-2023 comparison shows Torrey up by about 8.0%. Read the disclosure for an origination fee and any prepayment penalty before signing in Torrey. A single loan can carry different costs on either side of a state line, and Torrey sits on the Utah side of that line. The closest larger city is Bicknell, UT about 7 miles away.

What the Census records for Torrey

The figures below are Torrey's own — Census population, land area and coordinates — followed by the Utah rules.

• Population: 257 people, a figure that places Torrey 228th among the 255 Census places in Utah (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 8.0% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 19 residents.
• Size percentile: about 11% of Utah communities are smaller than Torrey (257 residents).
• Density: roughly 150 residents per square mile, spread over 1.7 sq mi of land.
• Land area: Torrey covers 1.7 square miles, the 195th-largest area among Utah's 255 places.
• Share of Utah: Torrey holds about 0.0% of the state's population, some 257 people.
• National rank: Torrey is 15,670th of 19,457 places nationwide.
• Growth rank: Torrey's 2020-to-2023 change ranks 60th of 255 places in Utah.
• Against the state trend: Torrey's 8.0% change compares with a Utah average of +5.3% across its 255 places.
• Density rank: Torrey is the 198th most densely settled place in Utah.
• Density vs Utah: Torrey's 150 people per square mile compare with a state median of 705.
• Location: mapped by the US Census Bureau at 38.3073, -111.4271.
• Nearest larger cities: Bicknell (7 mi); Loa (14 mi); Koosharem (28 mi); Escalante (39 mi); Monroe (43 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Lyman (11 mi); Boulder (27 mi); Antimony (33 mi) — useful context for the surrounding area.
• Smaller neighbours: 6 places smaller than Torrey sit within 50 miles.
• At 100 miles: 64 larger Census places fall inside that radius.

Torrey: area, density and distance

Torrey covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 150 residents per square mile. Salt Lake City, the largest place in Utah, is about 173 miles from Torrey. Within 50 miles of Torrey there are 16 larger Census places. The 100-mile radius contains 64 larger places.

Steps to take before a Torrey loan

These steps shape the offer you get in Torrey, a place of about 257 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Utah licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Torrey and the rest of Utah is not the process but the borrower's own file, among the 257 people here.

What a Torrey borrower is actually offered

Most loans made to Torrey's 257 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Torrey lender to disclose the APR and finance charge before you sign. The term you choose in Torrey decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Torrey

The rows below set out what a licensed lender must follow in Utah, and so for Torrey's roughly 257 residents.

Torrey in state context

Among Utah's 255 places, Torrey sits at 228th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Torrey stands 60th among Utah's 255 places — roughly the 76th percentile. By density, at about 150 people per square mile, it ranks 198th in Utah. Between 2020 and 2023 the count changed by roughly 19 residents.