Centerfield at a glance
- Population: a Census-estimated 1,419, placing it 140th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,336 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 6.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: the 140th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 45% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: it sits at 39.1275, -111.8184 in the US Census Bureau Gazetteer.
- Nearest larger cities: Gunnison, UT (2 mi); Salina, UT (13 mi); Manti, UT (14 mi); Ephraim, UT (20 mi); Richfield, UT (29 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Mayfield, UT (6 mi); Fayette, UT (7 mi); Sterling, UT (8 mi) — US Census Bureau populations.
What a personal loan costs in Centerfield
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in Centerfield
The Utah rate caps and licensing rules that reach Centerfield 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 Centerfield
The steps below are worth completing first when you borrow in Centerfield:
- 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.