Personal loans in Wales, UT

Wales is a small community in Utah, with an estimated 362 residents, and every licensed lender here follows the same state rulebook. Use the calculator on this page to price an amount and term before you commit in Wales. Consumer lending that reaches Wales's 362 residents is governed by Utah statute; no city ordinance changes it. The closest larger place is Moroni, UT about 4 miles away.

Borrowing in Wales: the local picture

Set out below is Wales's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 362 residents in Wales (Vintage 2023 subcounty estimate), the 211th-largest figure among Utah's 255 places.
• Population trend: Higher by roughly 6.5% since the 2020 count.
• Net change: roughly 22 more people than the 2020 Census counted.
• Size percentile: about 17% of Utah communities are smaller than Wales (362 residents).
• Population density: about 914 people per square mile (Census land area 0.4 sq mi).
• Land area rank: Wales's 0.4 square miles rank 249th of 255 places in Utah.
• State population share: Wales accounts for about 0.0% of everyone in Utah.
• National rank: Wales sits 14,499th by population among the 19,457 places in this dataset.
• Growth rank: Wales ranks 75th among Utah's 255 places for the 2020-to-2023 change.
• State comparison: Utah's places average +5.3% for 2020-to-2023, against Wales's 6.5%.
• Density in Utah: Wales ranks 108th by people per square mile.
• Density vs Utah: Wales's 914 people per square mile compare with a state median of 705.
• Location: coordinates 39.4852, -111.6361 (US Census Bureau Gazetteer).
• Nearest larger cities: Moroni (4 mi); Spring City (8 mi); Ephraim (9 mi); Fountain Green (10 mi); Mount Pleasant (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Sterling (20 mi); Fayette (21 mi); Scofield (30 mi).
• Smaller neighbours: 7 places smaller than Wales sit within 50 miles.
• At 100 miles: 114 larger Census places fall inside that radius.

The geography behind Wales

Wales covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 362 residents, the land area yields roughly 914 people per square mile. For the state's biggest city, Salt Lake City, the distance is roughly 91 miles. Wales has 42 larger places within a 50-mile radius. By land area it ranks 249th of 255 Utah places.

How lenders reach Wales

Wales is a moderately settled community of about 362 people, with 42 larger places inside a 50-mile radius. What is available to Wales's 362 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. The nearest larger city, Moroni, UT about 4 miles away.

How Wales compares across Utah

Against Utah's other places, Wales accounts for about 0.0% of the state's population and ranks 211th of 255 by size. On the 2020-to-2023 trend, Wales stands 75th among Utah's 255 places — roughly the 71th percentile. By density, at about 914 people per square mile, it ranks 108th in Utah. The population moved by about 22 people between 2020 and 2023, a 6.5% shift.

How a Wales personal loan is priced

In Wales, a small community of about 362, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Wales lender to disclose the APR and finance charge before you sign. Shortening the term on a Wales loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Utah law requires in Wales

The rows below set out what a licensed lender must follow in Utah, and so for Wales's roughly 362 residents.