Rush Valley at a glance
- Population: 486, the 197th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 432 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 12.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 197th largest of 255 (US Census Bureau).
- Size percentile: roughly 23% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 40.3613, -112.4506 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Stockton, UT (7 mi); Tooele, UT (14 mi); Grantsville, UT (17 mi); Erda, UT (19 mi); Copperton metro, UT (23 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Cedar Fort, UT (18 mi); Vernon, UT (18 mi); Fairfield, UT (22 mi) (US Census Bureau).
What a personal loan costs in Rush Valley
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Utah lending rules that apply in Rush Valley
The table lists the Utah rules that apply to a loan made in Rush Valley, 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 Rush Valley
Run through this list before signing anything in Rush Valley:
- 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.