Circleville at a glance
- Population: 557, the 188th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 552 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 188th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 26% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: mapped at 38.1684, -112.2716 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Beaver, UT (21 mi); Panguitch, UT (25 mi); Monroe, UT (32 mi); Paragonah, UT (33 mi); Elsinore, UT (36 mi) (US Census Bureau).
- Smaller places close by: Junction, UT (5 mi); Kingston, UT (6 mi); Antimony, UT (16 mi) (US Census Bureau).
What a personal loan costs in Circleville
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Circleville
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Circleville.
| 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 Circleville
These steps are the ones that most affect the offer you receive in Circleville:
- 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.