Blanding at a glance
- Population: about 3,189 residents, ranking 105th of 255 Census places in Utah (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 3,389 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 5.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Utah places: 105th-largest of 255 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 59% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: it sits at 37.6231, -109.5130 in the US Census Bureau Gazetteer.
- Nearest larger cities: Cortez, CO (55 mi); Moab, UT (65 mi); Durango, CO (93 mi); Farmington, NM (95 mi); Aztec, NM (102 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Monticello, UT (20 mi); Bluff, UT (23 mi); Dove Creek, CO (35 mi), per US Census Bureau estimates.
What a personal loan costs in Blanding
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in Blanding
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 |
| 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 |
| 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 to compare offers in Blanding
Run through this list before signing anything in Blanding:
- 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.