Apple Valley at a glance
- Population: the Census estimates 916 residents, ranking 158th of 255 places in Utah (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 856 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 7.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 158th by size among 255 communities (US Census Bureau).
- Size percentile: about 38% of places in Utah are smaller (US Census Bureau).
- Coordinates: 37.0810 / -113.1034, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Hildale, UT (7 mi); Colorado City, AZ (10 mi); La Verkin, UT (13 mi); Hurricane, UT (15 mi); Toquerville, UT (17 mi) (US Census Bureau).
- Nearest smaller communities: Rockville, UT (5 mi); Springdale, UT (9 mi); Virgin, UT (10 mi), each a US Census place.
What a personal loan costs in Apple Valley
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Apple Valley
Each row below is a Utah rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Apple Valley
Here is a short checklist for comparing personal loans in Apple Valley:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Utah using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.