Personal loans in Cornish, UT
A single loan can carry different costs on either side of a state line, and Cornish sits on the Utah side of that line. Cornish is a small community of about 282 residents, and a personal loan taken out here is governed by Utah statute.
The Census counts 282 people in Cornish, the 225th-largest figure among Utah's 255 places. Census figures put the 2020-to-2023 increase in Cornish at about 2.2%. For a community of about 282, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Lewiston, UT about 4 miles away.
Cornish by the numbers
Set out below is Cornish's local context next to the state-level rules that reach every lender here.
- Population: an estimated 282 residents, 225th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.2% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 6 residents.
- Size percentile: Cornish's 282 people outrank roughly 12% of the places in Utah.
- Density: the Census land area of 5.4 sq mi holds about 52 people per square mile.
- Land area: Cornish covers 5.4 square miles, the 127th-largest area among Utah's 255 places.
- Share of state population: Cornish's 282 residents are about 0.0% of Utah.
- National rank: Cornish sits 15,331st by population among the 19,457 places in this dataset.
- Growth rank: Cornish's 2020-to-2023 change ranks 173rd of 255 places in Utah.
- Against the state trend: Cornish's 2.2% change compares with a Utah average of +5.3% across its 255 places.
- Density in Utah: Cornish ranks 230th by people per square mile.
- Against the state median: Cornish runs about 52 residents per square mile, where the Utah median is 705.
- Location: it lies at 41.9672, -111.9587 in the Census Gazetteer.
- Nearest larger cities: Lewiston (4 mi); Trenton (4 mi); Weston (5 mi); Clarkston (6 mi); Newton (8 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Oxford (20 mi); Howell (28 mi); St. Charles (31 mi).
- Within a 50-mile radius: 5 smaller Census places.
- Within 100 miles: 133 places are larger than Cornish.
What to do before borrowing in Cornish
For Cornish's roughly 282 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Utah licence by checking the regulator named above.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
None of these steps is Cornish-specific: the same Utah licensing and disclosure rules reach all 282 residents.
The Utah lending rules that reach Cornish
Below are the Utah rules that apply to a loan made in Cornish, 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 |
The anatomy of a Cornish personal loan
With roughly 282 residents, Cornish is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Cornish's rank of 225th in Utah: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Cornish loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The geography behind Cornish
Inside Cornish's boundaries lie about 5.4 square miles of land, with no significant water area recorded. With 282 residents, the land area yields roughly 52 people per square mile. For the state's biggest city, Salt Lake City, the distance is roughly 82 miles. Cornish has 56 larger places within a 50-mile radius. By land area it ranks 127th of 255 Utah places.
Borrowing reach in Cornish
Cornish is a sparsely settled community of about 282 people, with 56 larger places inside a 50-mile radius. A Utah licence lets a lender serve Cornish without a local office, so branch density does not change what its 282 residents are offered. The nearest bigger place is Lewiston, UT about 4 miles away.
Common questions
What are my options in Cornish if my credit is poor?
What loan size can I expect in Cornish?
Do I have to pledge anything to borrow in Cornish?
Does comparing loans in Cornish cost me credit score points?
Nearby places
- Trenton, UT — population 527
- Weston, ID — population 550
- Lewiston, UT — population 1,958
- Clarkston, UT — population 757
- Newton, UT — population 829
- Amalga, UT — population 507
- Dayton, ID — population 536
- Preston, ID — population 6,112