Hildale at a glance
- Population: the Census estimates 1,239 residents, ranking 150th of 255 places in Utah (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,144 (US Census Bureau).
- 2020 to 2023 change: population rose about 8.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: the 150th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: about 41% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: 37.0154, -112.9998 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Colorado City, AZ (3 mi); La Verkin, UT (20 mi); Hurricane, UT (22 mi); Toquerville, UT (24 mi); Kanab, UT (26 mi), each a US Census place with its estimated population.
- Smaller places close by: Apple Valley, UT (7 mi); Rockville, UT (10 mi); Springdale, UT (11 mi) (US Census Bureau).
What a personal loan costs in Hildale
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in Hildale
Read the table as the compliance picture for a lender serving Hildale: label, sourced figure, publisher and date.
| 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 Hildale
A few practical steps will make the process in Hildale less costly:
- 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.