Castle Dale at a glance
- Population: roughly 1,538 people; 136th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,489 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 3.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Utah places: 136th by size among 255 communities (US Census Bureau).
- Size percentile: roughly 47% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 39.2217, -111.0227 by the US Census Bureau Gazetteer.
- Nearest larger cities: Huntington, UT (8 mi); Wellington, UT (27 mi); Price, UT (29 mi); Ephraim, UT (32 mi); Mount Pleasant, UT (32 mi), each a US Census place with its estimated population.
- Nearest smaller places: Orangeville, UT (2 mi); Clawson, UT (7 mi); Ferron, UT (11 mi) (US Census Bureau estimates).
What a personal loan costs in Castle Dale
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in Castle Dale
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 |
|---|---|---|
| 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 Castle Dale
These steps are the ones that most affect the offer you receive in Castle Dale:
- 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.