Personal loans in Henefer, UT
Two households in Henefer with comparable incomes can still be offered different rates; the city's 815 residents are not the reason. The Census counts 815 people in Henefer, the 171st-largest figure among Utah's 255 places.
Henefer shed about 2.5% of its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Henefer lender. The nearest larger metro is Coalville, UT about 8 miles away. To lend to Henefer's 815 residents, a company must hold a Utah licence, and each sourced row below names the regulator behind it.
Henefer: population, trend and location
Set out below is Henefer's local context next to the state-level rules that reach every lender here.
- Population: about 815, ranked 171st of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 2.5% since the 2020 count.
- People gained or lost: about 21 fewer since the 2020 base.
- Size percentile: with 815 residents, Henefer is larger than about 33% of Utah's Census places.
- Density: roughly 330 residents per square mile, spread over 2.5 sq mi of land.
- Land area: Henefer covers 2.5 square miles, the 179th-largest area among Utah's 255 places.
- Within Utah: about 0.0% of the state's population lives in Henefer.
- National rank: Henefer is 11,104th of 19,457 places nationwide.
- Growth rank: Henefer ranks 238th among Utah's 255 places for the 2020-to-2023 change.
- Versus Utah: the state average change is +5.3%, while Henefer moved 2.5%.
- Density rank: Henefer is the 179th most densely settled place in Utah.
- Density vs Utah: Henefer's 330 people per square mile compare with a state median of 705.
- Location: it lies at 41.0138, -111.4933 in the Census Gazetteer.
- Nearest larger cities: Coalville (8 mi); Morgan (10 mi); Emigration Canyon metro (20 mi); Centerville (21 mi); Fruit Heights (21 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Huntsville (22 mi); Brighton (28 mi); Alta (31 mi).
- Smaller places within 50 miles: 10 of them.
- Within 100 miles: 128 places are larger than Henefer.
Where Henefer sits
Inside Henefer's boundaries lie about 2.5 square miles of land, with no significant water area recorded. With 815 residents, the land area yields roughly 330 people per square mile. For the state's biggest city, Salt Lake City, the distance is roughly 28 miles. Counting outward 50 miles, 79 larger communities surround Henefer. The 100-mile radius contains 128 larger places.
What a Henefer borrower is actually offered
With roughly 815 residents, Henefer is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Henefer. The term you choose in Henefer decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Henefer
Henefer is a lightly settled community of about 815 people, with 79 larger places inside a 50-mile radius. What is available to Henefer's 815 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. The nearest larger city, Coalville, UT about 8 miles away.
Henefer in state context
Henefer is the 171st-largest of 255 Census places in Utah and contains about 0.0% of the state's people. For population change between 2020 and 2023, Henefer ranks 238th of 255 in Utah (about the 7th percentile). Its roughly 330 residents per square mile place it 179th among Utah's places. In land area, Henefer ranks 179th among Utah's 255 places.
The state rulebook for Henefer
This table holds the Utah rate and licensing rules for consumer loans made to Henefer's 815 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
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Nearby places
- Coalville, UT — population 1,533
- Morgan, UT — population 4,536
- Emigration Canyon metro, UT — population 1,506
- Oakley, UT — population 1,566
- Park City, UT — population 8,254
- Huntsville, UT — population 595
- Hideout, UT — population 1,398
- Bountiful, UT — population 44,144