Roosevelt at a glance
- Population: 7,224 residents, the 82nd-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,785 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 6.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: the 82nd-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 68% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.2877, -109.9880.
- Nearest larger cities: Vernal, UT (26 mi); Price, UT (64 mi); Heber, UT (76 mi); Park City, UT (83 mi); Evanston, WY (84 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Ballard, UT (2 mi); Myton, UT (8 mi); Altamont, UT (17 mi) (Census populations).
What a personal loan costs in Roosevelt
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in Roosevelt
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Roosevelt
The order below is a sensible way to approach a loan in Roosevelt:
- 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.