Garland at a glance
- Population: 2,668, the 110th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,585 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 3.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 110th of the state's 255 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 57% of Utah's Census places by population (US Census Bureau).
- Coordinates: it sits at 41.7363, -112.1628 in the US Census Bureau Gazetteer.
- Nearest larger cities: Tremonton, UT (2 mi); Wellsville, UT (14 mi); Logan, UT (17 mi); Nibley, UT (17 mi); Brigham City, UT (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Elwood, UT (5 mi); Deweyville, UT (5 mi); Fielding, UT (6 mi) — US Census Bureau populations.
What a personal loan costs in Garland
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Utah lending rules that apply in Garland
The table lists the Utah rules that apply to a loan made in Garland, each with the regulator that published it.
| 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 Garland
Here is a short checklist for comparing personal loans in Garland:
- 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.