Garden City at a glance
- Population: 713, the 174th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 603 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 18.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 174th of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 32% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: 41.9371 latitude, -111.4122 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Richmond, UT (20 mi); Franklin, ID (21 mi); Smithfield, UT (22 mi); Hyde Park, UT (23 mi); North Logan, UT (23 mi) (US Census Bureau populations).
- Smaller towns nearby: Laketown, UT (8 mi); St. Charles, ID (12 mi); Bloomington, ID (18 mi) (US Census Bureau).
What a personal loan costs in Garden City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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.
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 Garden City
Read the table as the compliance picture for a lender serving Garden City: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Garden City
Run through this list before signing anything in Garden City:
- 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.