Personal loans in Grantsville, UT
Grantsville is a small town in Utah, with an estimated 15,267 residents, and every licensed lender here follows the same state rulebook. From the 2020 Census base to the 2023 estimate, the population rose by about 20.8%.
With 15,267 residents, Grantsville outranks about 79% of the communities in Utah. Rate-shopping from Grantsville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For the 15,267 people in Grantsville, Utah runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Tooele, UT about 10 miles away.
Where Grantsville stands
Only a few things actually differ by place — population, area, location, and the Utah rules a lender must follow — and they are below.
- Population: the Census counts 15,267 residents in Grantsville (Vintage 2023 subcounty estimate), the 53rd-largest figure among Utah's 255 places.
- Population trend: The 2020-to-2023 change is positive, near 20.8%.
- Net change: roughly 2,632 more people than the 2020 Census counted.
- Size percentile: about 79% of Utah communities are smaller than Grantsville (15,267 residents).
- Population density: about 383 people per square mile (Census land area 39.9 sq mi).
- Land area: Grantsville covers 39.9 square miles, the 8th-largest area among Utah's 255 places.
- Water area rank: Grantsville ranks 26th among Utah's 255 places, with 0.12 sq mi.
- State share: roughly 0.5% of Utah's residents live in Grantsville (15,267 people).
- National rank: Grantsville is 2,334th of 19,457 places nationwide.
- Growth rank: Grantsville ranks 10th among Utah's 255 places for the 2020-to-2023 change.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Grantsville's 20.8%.
- Density rank: Grantsville places 166th among Utah's places by people per square mile.
- Against the state median: Grantsville runs about 383 residents per square mile, where the Utah median is 705.
- Location: the Census Gazetteer records it at 40.6113, -112.4691.
- Nearest larger cities: Tooele (10 mi); Magna metro (18 mi); Kearns metro (24 mi); West Jordan (25 mi); West Valley City (25 mi). Lenders licensed in the state serve Grantsville whether or not they keep a local branch.
- Smaller communities close by: Erda (8 mi); Lake Point (12 mi); Stockton (13 mi), each with its own Census population profile.
- Within a 50-mile radius: 27 smaller Census places.
- Within 100 miles: 48 places are larger than Grantsville.
Grantsville: area, density and distance
Grantsville's land area is about 39.9 square miles; a further 0.12 square miles is water. With 15,267 residents, the land area yields roughly 383 people per square mile. Salt Lake City, the largest place in Utah, is about 30 miles from Grantsville. Within 50 miles of Grantsville there are 38 larger Census places. Within the same 50 miles lie 27 smaller Census places.
How a Grantsville personal loan is priced
Most loans made to Grantsville's 15,267 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Grantsville. Shortening the term on a Grantsville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
A pre-application checklist for Grantsville
These steps shape the offer you get in Grantsville, a place of about 15,267 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Utah regulator's records to confirm the lender is licensed here.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
None of these steps is Grantsville-specific: the same Utah licensing and disclosure rules reach all 15,267 residents.
Grantsville's place among Utah's 255 places
Within Utah, Grantsville holds roughly 0.5% of all residents, the 53rd-largest share among 255 places. For population change between 2020 and 2023, Grantsville ranks 10th of 255 in Utah (about the 96th percentile). At about 383 people per square mile, Grantsville is the 166th most densely settled place in Utah. By land area, its 39.9 square miles rank 8th of 255 places in Utah.
The state rulebook for Grantsville
The rows below set out what a licensed lender must follow in Utah, and so for Grantsville's roughly 15,267 residents.
| 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 |
| 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 status | Legal; 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 |
Common questions
What are my options in Grantsville if my credit is poor?
What loan size can I expect in Grantsville?
Do I have to pledge anything to borrow in Grantsville?
Does comparing loans in Grantsville cost me credit score points?
Nearby places
- Erda, UT — population 4,045
- Tooele, UT — population 39,263
- Stockton, UT — population 624
- Lake Point, UT — population 2,635
- Rush Valley, UT — population 486
- Magna metro, UT — population 30,087
- Copperton metro, UT — population 852
- Cedar Fort, UT — population 417