Personal loans in Cedar City, UT

Cedar City: population, trend and location

Read the local figures below as context; read the sourced Utah table as the rulebook a lender here must follow.

• Population: the Census counts 39,942 residents in Cedar City (Vintage 2023 subcounty estimate), the 23rd-largest figure among Utah's 255 places.
• Population trend: Higher by roughly 13.3% since the 2020 count.
• Absolute change: 4,695 residents added between 2020 and 2023.
• Size percentile: Cedar City sits ahead of around 91% of Utah places, at 39,942 people.
• Population density: about 1,103 people per square mile across 36.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Cedar City covers 36.2 square miles, the 11th-largest area among Utah's 255 places.
• Share of state population: Cedar City's 39,942 residents are about 1.2% of Utah.
• National rank: Cedar City is the 1,000th most populous of the 19,457 Census places covered here.
• Growth rank: Cedar City ranks 30th among Utah's 255 places for the 2020-to-2023 change.
• Versus Utah: the state average change is +5.3%, while Cedar City moved 13.3%.
• Density rank: Cedar City places 94th among Utah's places by people per square mile.
• Against the state median: Cedar City runs about 1,103 residents per square mile, where the Utah median is 705.
• Location: the Census Gazetteer records it at 37.6838, -113.0955.
• Nearest larger cities: St. George (50 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Enoch (6 mi); Kanarraville (11 mi); Brian Head (14 mi).
• Smaller neighbours: 28 places smaller than Cedar City sit within 50 miles.
• At 100 miles: 1 larger Census places fall inside that radius.

What a Cedar City borrower is actually offered

Cedar City is a smaller city of about 39,942 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Cedar City can be quoted different APRs on the same amount and term. Shortening the term on a Cedar City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Cedar City: area, density and distance

Cedar City's land area is roughly 36.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,103 people per square mile. For the state's biggest city, Salt Lake City, the distance is roughly 223 miles. Cedar City has 1 larger places within a 50-mile radius. The 100-mile radius contains 1 larger places.

The Utah lending rules that reach Cedar City

Utah has no separate rate rule for Cedar City; the sourced rows below are what reach every lender that serves its 39,942 people.

Steps to take before a Cedar City loan

These steps shape the offer you get in Cedar City, a place of about 39,942 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Utah regulator's licence list.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Cedar City and the rest of Utah is not the process but the borrower's own file, among the 39,942 people here.

Cedar City in state context

Among Utah's 255 places, Cedar City sits at 23rd for population, a share of roughly 1.2% of the state. On the 2020-to-2023 trend, Cedar City stands 30th among Utah's 255 places — roughly the 88th percentile. By density, at about 1,103 people per square mile, it ranks 94th in Utah. In land area, Cedar City ranks 11th among Utah's 255 places.