Personal loans in Beaver, UT

The 2020 count to the 2023 estimate shows about 2.2% growth in Beaver. If you are weighing a personal loan in Beaver, start from the payment you can carry; its 3,676 residents face the same statewide rules.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

With 3,676 residents, Beaver outranks about 60% of the communities in Utah. The nearest larger metro is Enoch, UT about 42 miles away. For the 3,676 people in Beaver, Utah runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Price two or three terms so you can see which payment is truly affordable in Beaver.

What the Census records for Beaver

The figures below are Beaver's own — Census population, land area and coordinates — followed by the Utah rules.

What Utah law requires in Beaver

Below are the Utah rules that apply to a loan made in Beaver, each with the regulator that issued it.

RuleDetailSource
State lending regulatorUtah 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
Small-loan / installment lender licensingConsumer 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
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

Beaver's place among Utah's 255 places

Beaver is the 102nd-largest of 255 Census places in Utah and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 171st of 255 Utah places, putting it near the 33th percentile for growth. Its roughly 546 residents per square mile place it 149th among Utah's places. Between 2020 and 2023 the count changed by roughly 80 residents.

How lenders reach Beaver

With about 546 residents per square mile, Beaver is moderately settled, and 3 larger Census places sit within 50 miles. What is available to Beaver's 3,676 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Enoch, UT about 42 miles away.

Beaver on the map

The Census Gazetteer records about 6.7 square miles of land within Beaver, with no significant water area listed. With 3,676 residents, the land area yields roughly 546 people per square mile. The state's population centre of gravity, Salt Lake City, is roughly 177 miles away. Within 50 miles of Beaver there are 3 larger Census places. The 100-mile radius contains 12 larger places.

The Beaver borrowing checklist

Before you hand your details to a lender in Beaver, where the population is near 3,676:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Utah licence with the regulator named above before committing.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Beaver as elsewhere in Utah, the written terms — not the advertisement — are what count for its 3,676 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Beaver if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Beaver is the same as anywhere in Utah.
What loan size can I expect in Beaver?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Beaver?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Beaver cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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