Personal loans in Virgin, UT

Virgin, Utah — home to about 701 people — is a small community, so the terms you are offered follow Utah law rather than any local rule. By population, Virgin sits at 175th in Utah, with an estimated 701 residents. A 2020-to-2023 comparison shows Virgin up by about 5.3%. Compare APR, not the interest rate, because the APR folds in most fees on a Virgin loan. The closest larger city is La Verkin, UT about 4 miles away.

Virgin: population, trend and location

What follows is Virgin's place in the Census record, alongside the Utah rules that govern a personal loan made here.

• Population: 701 residents; Virgin is the 175th-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 5.3% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 35 residents.
• Size percentile: with 701 residents, Virgin is larger than about 31% of Utah's Census places.
• Density: the Census land area of 11.8 sq mi holds about 59 people per square mile.
• Land area: Virgin covers 11.8 square miles, the 58th-largest area among Utah's 255 places.
• Share of Utah: Virgin holds about 0.0% of the state's population, some 701 people.
• National standing: Virgin ranks 11,795th of 19,457 US places.
• Growth rank: Virgin's 2020-to-2023 change ranks 94th of 255 places in Utah.
• Against the state trend: Virgin's 5.3% change compares with a Utah average of +5.3% across its 255 places.
• Density in Utah: Virgin ranks 228th by people per square mile.
• Density vs Utah: Virgin's 59 people per square mile compare with a state median of 705.
• Location: 37.1947, -113.2055 (US Census Bureau Gazetteer).
• Nearest larger cities: La Verkin (4 mi); Toquerville (7 mi); Leeds (8 mi); Hurricane (9 mi); Apple Valley (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Rockville (9 mi); Springdale (11 mi); New Harmony (21 mi).
• Within a 50-mile radius: 8 smaller Census places.
• Larger places within 100 miles: 25.

Land, water and location for Virgin

Virgin covers about 11.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 59 people per square mile. The state's population centre of gravity, Salt Lake City, is roughly 257 miles away. Virgin has 17 larger places within a 50-mile radius. By land area it ranks 58th of 255 Utah places.

Steps to take before a Virgin loan

Before you hand your details to a lender in Virgin, where the population is near 701:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Utah licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Virgin and the rest of Utah is not the process but the borrower's own file, among the 701 people here.

How lenders reach Virgin

With about 59 residents per square mile, Virgin is sparsely settled, and 17 larger Census places sit within 50 miles. A Utah licence lets a lender serve Virgin without a local office, so branch density does not change what its 701 residents are offered. For a larger market, the closest option is La Verkin, UT about 4 miles away.

How personal loans work in Virgin

In Virgin, a small community of about 701, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Virgin. The term you choose in Virgin decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Virgin

Every row below records a Utah rule, its publisher and its retrieval date — the same rules a Virgin lender must follow.