Wendover at a glance
- Population: 1,132 (US Census Bureau, Vintage 2023 subcounty estimate), the 152nd-largest of 255 places in Utah.
- 2020 Census base: 1,120 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 152nd-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 40% of the Census places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.7240, -114.0251.
- Nearest larger cities (120-mile radius): West Wendover, NV (3 mi); Wells, NV (55 mi); Grantsville, UT (82 mi); Erda, UT (90 mi); Tooele, UT (91 mi) (US Census Bureau).
- Smaller places nearby: Rush Valley, UT (86 mi); Stockton, UT (89 mi); Vernon, UT (94 mi), per US Census Bureau estimates.
What a personal loan costs in Wendover
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Wendover
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wendover
Run through this list before signing anything in Wendover:
- 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.