Annabella at a glance
- Population: 877, the 162nd-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 837 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 4.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 162nd of the state's 255 Census places (US Census Bureau).
- Size percentile: about 36% of places in Utah are smaller (US Census Bureau).
- Coordinates: 38.7060, -112.0586 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Richfield, UT (4 mi); Monroe, UT (7 mi); Aurora, UT (16 mi); Salina, UT (19 mi); Fillmore, UT (23 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Central Valley, UT (2 mi); Elsinore, UT (5 mi); Glenwood, UT (5 mi) (US Census Bureau estimates).
What a personal loan costs in Annabella
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Annabella
The Utah rate caps and licensing rules that reach Annabella are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | Consumer lenders under the Utah Consumer Credit Code (Title 70C) must file a Consumer Credit Notification via NMLS Source says: Entities subject to the UCCC's notification requirement must file a Consumer Credit Notification (CCN) through the Nationwide Multistate Licensing System (NMLS). | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
| 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 |
How to compare offers in Annabella
The order below is a sensible way to approach a loan in Annabella:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Utah using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.