Elsinore at a glance
- Population: about 872, 163rd by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 830 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 5.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 163rd by size among 255 communities (US Census Bureau).
- Size percentile: it exceeds roughly 36% of Utah's Census places by population (US Census Bureau).
- Coordinates: 38.6838, -112.1401 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Monroe, UT (4 mi); Annabella, UT (5 mi); Richfield, UT (6 mi); Aurora, UT (20 mi); Fillmore, UT (22 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Central Valley, UT (3 mi); Joseph, UT (6 mi); Glenwood, UT (10 mi) (Census populations).
What a personal loan costs in Elsinore
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.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Elsinore
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Elsinore.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Elsinore
Before you share your details with a lender in Elsinore:
- 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.