Personal loans in Junction, UT

Junction is one of 255 Census places in Utah; its 214 residents put it at 237th. Rate ceilings, licensing requirements and product limits for Junction are all set at the Utah level. Population in Junction climbed about 0.5% over the three years from 2020 to 2023. For a bigger market, look to Circleville, UT about 5 miles away.

Junction by the numbers

The figures below are Junction's own — Census population, land area and coordinates — followed by the Utah rules.

• Population: a Census-estimated 214, 237th among Utah's 255 places (Vintage 2023).
• Population trend: Growth of about 0.5% across the 2020-to-2023 comparison.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: roughly 7% of Utah's places have fewer residents than Junction's 214.
• Density: roughly 16 residents per square mile, spread over 13.2 sq mi of land.
• By land area: Junction ranks 50th among Utah's 255 places, at 13.2 sq mi.
• Water: Junction holds about 0.42 square miles, the 14th-largest water area in Utah.
• State population share: Junction accounts for about 0.0% of everyone in Utah.
• National standing: Junction ranks 16,265th of 19,457 US places.
• Growth in Utah: Junction stands 199th by percentage change from 2020 to 2023, among 255 places.
• Against the state trend: Junction's 0.5% change compares with a Utah average of +5.3% across its 255 places.
• Density rank: Junction places 249th among Utah's places by people per square mile.
• Against the state median: Junction runs about 16 residents per square mile, where the Utah median is 705.
• Location: 38.2361 / -112.2246, per the US Census Bureau Gazetteer.
• Nearest larger cities: Circleville (5 mi); Marysvale (14 mi); Beaver (23 mi); Koosharem (27 mi); Joseph (27 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Kingston (3 mi); Antimony (16 mi); Hatch (42 mi).
• Smaller places within 50 miles: 4 of them.
• Within 100 miles: 74 places are larger than Junction.

The Junction borrowing checklist

Before you apply in Junction, a community of about 214, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Utah regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Junction and the rest of Utah is not the process but the borrower's own file, among the 214 people here.

Borrowing reach in Junction

Junction is sparsely settled, with about 16 people per square mile and 28 larger places within 50 miles. Whether Junction has a local branch or not, a Utah-licensed lender can serve its 214 people online on the same terms. For a larger market, the closest option is Circleville, UT about 5 miles away.

Where Junction sits

Junction's land area is about 13.2 square miles; a further 0.42 square miles is water. With 214 residents, the land area yields roughly 16 people per square mile. The state's population centre of gravity, Salt Lake City, is roughly 176 miles away. Counting outward 50 miles, 28 larger communities surround Junction. Within the same 50 miles lie 4 smaller Census places.

Junction in state context

Among Utah's 255 places, Junction sits at 237th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Junction stands 199th among Utah's 255 places — roughly the 22th percentile. At about 16 people per square mile, Junction is the 249th most densely settled place in Utah. Between 2020 and 2023 the count changed by roughly 1 residents.

What Utah law requires in Junction

Read the table as a lender's compliance picture for Junction: the rule, the sourced figure, the publisher and the date.