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.
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.
- Population: 3,676 residents; Beaver is the 102nd-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 2.2% since the 2020 count.
- People gained or lost: about 80 more since the 2020 base.
- Size percentile: Beaver's 3,676 people outrank roughly 60% of the places in Utah.
- Land and density: 6.7 square miles of land carry roughly 546 residents per square mile.
- By land area: Beaver ranks 108th among Utah's 255 places, at 6.7 sq mi.
- State population share: Beaver accounts for about 0.1% of everyone in Utah.
- National rank: Beaver sits 5,682nd by population among the 19,457 places in this dataset.
- Growth rank: Beaver's 2020-to-2023 change ranks 171st of 255 places in Utah.
- Versus Utah: the state average change is +5.3%, while Beaver moved 2.2%.
- Density in Utah: Beaver ranks 149th by people per square mile.
- Density in context: Beaver's 546 people per square mile sit against a Utah median of 705.
- Location: 38.2759 / -112.6381, per the US Census Bureau Gazetteer.
- Nearest larger cities: Enoch (42 mi); Richfield (45 mi); Cedar City (48 mi); Delta (75 mi); La Verkin (80 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Minersville (19 mi); Circleville (21 mi); Milford (22 mi), each with its own Census population profile.
- Smaller neighbours: 22 places smaller than Beaver sit within 50 miles.
- At 100 miles: 12 larger Census places fall inside that radius.
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.
| 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 |
| 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 |
| 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:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Utah licence with the regulator named above before committing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- 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.
Common questions
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Nearby places
- Minersville, UT — population 847
- Circleville, UT — population 557
- Milford, UT — population 1,412
- Marysvale, UT — population 454
- Paragonah, UT — population 562
- Junction, UT — population 214
- Kingston, UT — population 137
- Parowan, UT — population 3,181