Holden at a glance
- Population: 463 (US Census Bureau, Vintage 2023 subcounty estimate), the 200th-largest of 255 places in Utah.
- 2020 Census base: 453 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 2.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 200th largest of 255 (US Census Bureau).
- Size percentile: roughly 22% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.1001, -112.2704.
- Nearest larger cities: Fillmore, UT (10 mi); Oak City, UT (19 mi); Aurora, UT (22 mi); Kanosh, UT (23 mi); Redmond, UT (23 mi); US Census Bureau population estimates.
- Smaller towns nearby: Scipio, UT (14 mi); Meadow, UT (17 mi); Sigurd, UT (23 mi) (US Census Bureau).
What a personal loan costs in Holden
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Holden
The table carries the Utah rate and licensing rules that apply to consumer loans made in Holden.
| 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 Holden
Before you commit to a personal loan in Holden, 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.