Personal loans in Castle Dale, UT

The roughly 1,538 people who live in Castle Dale borrow under Utah rules; city hall sets no personal-loan rate. The trend for Castle Dale between 2020 and 2023 is upward by roughly 3.3%.

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.

The Census counts 1,538 people in Castle Dale, the 136th-largest figure among Utah's 255 places. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Castle Dale loan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Castle Dale's 1,538 residents. The closest larger city is Huntington, UT about 8 miles away.

The Castle Dale data picture

Only a few things actually differ by place — population, area, location, and the Utah rules a lender must follow — and they are below.

Borrowing reach in Castle Dale

Castle Dale is moderately settled, with about 680 people per square mile and 11 larger places within 50 miles. What is available to Castle Dale's 1,538 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Huntington, UT about 8 miles away.

Utah rules behind a Castle Dale personal loan

Below are the Utah rules that apply to a loan made in Castle Dale, 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
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 statusLegal; 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

Castle Dale on the map

Castle Dale's land area is roughly 2.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 680 residents per square mile. Salt Lake City, the largest place in Utah, is about 118 miles from Castle Dale. Within 50 miles of Castle Dale there are 11 larger Census places. The 100-mile radius contains 47 larger places.

How Castle Dale compares across Utah

Among Utah's 255 places, Castle Dale sits at 136th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Castle Dale ranks 144th of 255 in Utah (about the 44th percentile). Its roughly 680 residents per square mile place it 131st among Utah's places. The population moved by about 49 people between 2020 and 2023, a 3.3% shift.

The anatomy of a Castle Dale personal loan

With roughly 1,538 residents, Castle Dale is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Castle Dale loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Castle Dale loan is knowable in advance — unlike a revolving card balance.

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 Castle Dale 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 Castle Dale is the same as anywhere in Utah.
What loan size can I expect in Castle Dale?
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 Castle Dale?
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 Castle Dale 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.

Nearby places

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