Castle Valley at a glance
- Population: 362 (US Census Bureau, Vintage 2023 subcounty estimate), the 210th-largest of 255 places in Utah.
- 2020 Census base: the 2020 count put the population at 347 (US Census Bureau).
- 2020 to 2023 change: about 4.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 210th out of 255 Census places (US Census Bureau).
- Size percentile: roughly 18% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: latitude 38.6321, longitude -109.3960 (US Census Bureau Gazetteer).
- Nearest larger cities: Moab, UT (9 mi); Green River, UT (49 mi); Fruita, CO (51 mi); Nucla, CO (52 mi); Monticello, UT (53 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Hanksville, UT (73 mi); Sawpit, CO (87 mi); Bluff, UT (93 mi), per US Census Bureau estimates.
What a personal loan costs in Castle Valley
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Castle Valley
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 Castle Valley
Before you commit to a personal loan in Castle Valley, work through these steps:
- 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.