Emery at a glance
- Population: 317, the 217th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 308 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 217th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 15% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: latitude 38.9252, longitude -111.2522 (US Census Bureau Gazetteer).
- Nearest larger cities: Ferron, UT (13 mi); Orangeville, UT (24 mi); Castle Dale, UT (24 mi); Mayfield, UT (28 mi); Manti, UT (31 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Clawson, UT (16 mi); Sterling, UT (30 mi); Fayette, UT (38 mi) (US Census Bureau).
What a personal loan costs in Emery
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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.
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 Emery
The table lists the Utah rules that apply to a loan made in Emery, each with the regulator that published it.
| 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 Emery
Before you commit to a personal loan in Emery, work through these steps:
- 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.