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Personal loans in Coalville, UT

A personal loan in Coalville is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. Coalville is home to about 1,533 people and ranks 137th among the 255 Census places in Utah. The table below carries the Utah rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Coalville at a glance

  • Population: 1,533, the 137th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,489 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: an increase of about 3.0% since the 2020 count (US Census Bureau).
  • Rank among Utah places: 137th of 255 by population (US Census Bureau, Vintage 2023).
  • Size percentile: roughly 46% of places in Utah rank below it by population (US Census Bureau).
  • Coordinates: latitude 40.9073, longitude -111.4214 (US Census Bureau Gazetteer).
  • Nearest larger cities: Oakley, UT (14 mi); Morgan, UT (16 mi); Park City, UT (18 mi); Kamas, UT (19 mi); Francis, UT (22 mi); US Census Bureau population estimates.
  • Nearest smaller towns: Henefer, UT (8 mi); Hideout, UT (18 mi); Emigration Canyon metro, UT (19 mi) (US Census Bureau).

What a personal loan costs in Coalville

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Utah lending rules that apply in Coalville

Each row below is a Utah rule with its publisher and the date it was retrieved.

RuleDetailSource
Small-loan / installment lender licensingConsumer 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 regulatorUtah 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 statusLegal; 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 Coalville

Here is a short checklist for comparing personal loans in Coalville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Utah using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Coalville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Coalville are the same as elsewhere in Utah.
How much can I borrow with a personal loan in Coalville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Coalville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Coalville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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