Personal loans in Huntsville, UT
For a borrower among the roughly 595 residents of Huntsville, a personal loan is a tool whose cost turns on the terms, not the address. Huntsville ranks 182nd of 255 places in Utah, with a population near 595.
Borrowers who want a bigger city can look to Ogden, UT about 10 miles away. The 2020 count to the 2023 estimate shows about 3.5% growth in Huntsville. Consumer lending that reaches Huntsville's 595 residents is governed by Utah statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Huntsville.
Huntsville: population, trend and location
What follows is Huntsville's place in the Census record, alongside the Utah rules that govern a personal loan made here.
- Population: 595 — Huntsville ranks 182nd of 255 communities in Utah (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 3.5%.
- Change in people: the 2020-to-2023 comparison is a gain of about 20 residents.
- Size percentile: Huntsville sits ahead of around 29% of Utah places, at 595 people.
- Population density: 622 people per square mile on 1.0 square miles of land.
- Land area: Huntsville covers 1.0 square miles, the 220th-largest area among Utah's 255 places.
- Water: Huntsville holds about 0.06 square miles, the 37th-largest water area in Utah.
- State share: roughly 0.0% of Utah's residents live in Huntsville (595 people).
- National standing: Huntsville ranks 12,463rd of 19,457 US places.
- Growth rank: Huntsville's 2020-to-2023 change ranks 139th of 255 places in Utah.
- Versus Utah: the state average change is +5.3%, while Huntsville moved 3.5%.
- Density rank: Huntsville places 137th among Utah's places by people per square mile.
- Density vs Utah: Huntsville's 622 people per square mile compare with a state median of 705.
- Location: the Census Gazetteer records it at 41.2598, -111.7713.
- Nearest larger cities: Ogden (10 mi); North Ogden (10 mi); Harrisville (11 mi); South Ogden (11 mi); Uintah (12 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Deweyville (34 mi); Woodruff (36 mi); Bear River (40 mi) — useful context for the surrounding area.
- Smaller neighbours: 11 places smaller than Huntsville sit within 50 miles.
- Larger places within 100 miles: 129.
Which Utah laws govern a loan in Huntsville
Read the table as a lender's compliance picture for Huntsville: the rule, the sourced figure, the publisher and the date.
| 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 |
Getting a loan in Huntsville
Huntsville is moderately settled, with about 622 people per square mile and 80 larger places within 50 miles. Distance to a branch rarely matters for Huntsville's 595 residents: the application is online and the price follows your credit file. The nearest bigger place is Ogden, UT about 10 miles away.
Huntsville in state context
Against Utah's other places, Huntsville accounts for about 0.0% of the state's population and ranks 182nd of 255 by size. On the 2020-to-2023 trend, Huntsville stands 139th among Utah's 255 places — roughly the 45th percentile. By density, at about 622 people per square mile, it ranks 137th in Utah. By land area, its 1.0 square miles rank 220th of 255 places in Utah.
Steps to take before a Huntsville loan
Before you apply in Huntsville, a community of about 595, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Check the Utah regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Huntsville and the rest of Utah is not the process but the borrower's own file, among the 595 people here.
Land, water and location for Huntsville
Inside Huntsville's boundaries lie roughly 1.0 square miles of land and 0.06 square miles of water. The resulting density is about 622 people per square mile. For the state's biggest city, Salt Lake City, the distance is roughly 34 miles. Within 50 miles of Huntsville there are 80 larger Census places. By land area it ranks 220th of 255 Utah places.
Common questions
What are my options in Huntsville if my credit is poor?
What loan size can I expect in Huntsville?
Do I have to pledge anything to borrow in Huntsville?
Does comparing loans in Huntsville cost me credit score points?
Nearby places
- North Ogden, UT — population 22,233
- Ogden, UT — population 87,267
- Uintah, UT — population 1,402
- South Ogden, UT — population 17,678
- South Weber, UT — population 8,105
- Harrisville, UT — population 6,802
- Washington Terrace, UT — population 9,070
- Morgan, UT — population 4,536