Central Valley at a glance
- Population: 679 — 176th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 647 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 176th in population of 255 places (US Census Bureau).
- Size percentile: ahead of around 31% of Utah places in population terms (US Census Bureau).
- Coordinates: 38.6993, -112.0967 (US Census Bureau Gazetteer).
- Nearest larger cities: Annabella, UT (2 mi); Elsinore, UT (3 mi); Richfield, UT (4 mi); Monroe, UT (5 mi); Aurora, UT (18 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Glenwood, UT (7 mi); Joseph, UT (8 mi); Sigurd, UT (14 mi) (US Census Bureau).
What a personal loan costs in Central Valley
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Central Valley
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Central Valley.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Central Valley
The order below is a sensible way to approach a loan in Central Valley:
- 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.