Escalante at a glance
- Population: about 827, 170th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 791 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 4.6% since the 2020 count (US Census Bureau).
- Rank among Utah places: the 170th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 33% of the Census places in Utah (US Census Bureau).
- Coordinates: it sits at 37.7649, -111.5984 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Panguitch, UT (46 mi); Page, AZ (57 mi); Monroe, UT (66 mi); Beaver, UT (67 mi); Parowan, UT (67 mi) (US Census Bureau populations).
- Nearest smaller towns: Boulder, UT (14 mi); Henrieville, UT (26 mi); Tropic, UT (28 mi) (US Census Bureau).
What a personal loan costs in Escalante
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Escalante
Read the table as the compliance picture for a lender serving Escalante: label, sourced figure, publisher and date.
| 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 Escalante
Run through this list before signing anything in Escalante:
- 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.