Personal loans in Woodruff, UT

A personal loan in Woodruff is priced from your credit file and income, not from the fact that the city holds 173 people. For a community of about 173, the practical step is to compare APR across at least three lenders before committing. Every figure below is Utah's own, applied to Woodruff's 173 residents, with the publisher and retrieval date attached. A larger market lies at Randolph, UT about 10 miles away.

Woodruff: population, trend and location

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

• Population: the Census counts 173 residents in Woodruff (Vintage 2023 subcounty estimate), the 240th-largest figure among Utah's 255 places.
• Population trend: A rise of about 1.8% from 2020 to 2023.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: with 173 residents, Woodruff is larger than about 6% of Utah's Census places.
• Density: roughly 242 residents per square mile, spread over 0.7 sq mi of land.
• By land area: Woodruff ranks 236th among Utah's 255 places, at 0.7 sq mi.
• Within Utah: about 0.0% of the state's population lives in Woodruff.
• Nationally: Woodruff is the 16,911th-largest of 19,457 Census places in the dataset.
• Growth in Utah: Woodruff stands 176th by percentage change from 2020 to 2023, among 255 places.
• State comparison: Utah's places average +5.3% for 2020-to-2023, against Woodruff's 1.8%.
• Density rank: Woodruff places 191st among Utah's places by people per square mile.
• Density in context: Woodruff's 242 people per square mile sit against a Utah median of 705.
• Location: latitude 41.5212, longitude -111.1639 (Census Gazetteer).
• Nearest larger cities: Randolph (10 mi); Bear River (12 mi); Evanston (21 mi); Laketown (23 mi); Garden City (31 mi). Online lenders reach Woodruff no matter how far the nearest branch is.
• Smaller places close by: Opal (47 mi); Granger (62 mi); Oxford (67 mi).
• Smaller neighbours: 1 places smaller than Woodruff sit within 50 miles.
• At 100 miles: 156 larger Census places fall inside that radius.

The Woodruff borrowing checklist

For Woodruff's roughly 173 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Utah regulator's records to confirm the lender is licensed here.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Woodruff-specific: the same Utah licensing and disclosure rules reach all 173 residents.

Land, water and location for Woodruff

Inside Woodruff's boundaries lie about 0.7 square miles of land, with no significant water area recorded. Spread across it are roughly 242 residents per square mile. The state's population centre of gravity, Salt Lake City, is roughly 65 miles away. Woodruff has 52 larger places within a 50-mile radius. Within the same 50 miles lie 1 smaller Census places.

What shapes a Woodruff personal loan

Woodruff is a small community of about 173 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Woodruff lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Woodruff loan is knowable in advance — unlike a revolving card balance.

What is available to Woodruff borrowers

At roughly 242 people per square mile, Woodruff is lightly settled; 52 larger places lie within 50 miles. What is available to Woodruff's 173 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. The nearest larger city, Randolph, UT about 10 miles away.

How Utah law applies in Woodruff

Below are the Utah rules that apply to a loan made in Woodruff, each with the regulator that issued it.