Bear River City at a glance
- Population: 883, the 160th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 877 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 0.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 160th by size among 255 communities (US Census Bureau).
- Size percentile: about 37% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: 41.6124 latitude, -112.1249 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Honeyville, UT (3 mi); Elwood, UT (4 mi); Tremonton, UT (8 mi); Brigham City, UT (8 mi); Garland, UT (9 mi), each a US Census place with its estimated population.
- Smaller places nearby: Corinne, UT (4 mi); Deweyville, UT (6 mi); Fielding, UT (14 mi), per US Census Bureau estimates.
What a personal loan costs in Bear River City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Utah lending rules that apply in Bear River City
Read the table as the compliance picture for a lender serving Bear River City: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bear River City
A few practical steps will make the process in Bear River City less costly:
- 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.