Enterprise at a glance
- Population: about 2,289, 115th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,032 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 12.6% since the 2020 count (US Census Bureau).
- Rank among Utah places: 115th in population of 255 places (US Census Bureau).
- Size percentile: roughly 55% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.5716, -113.7430.
- Nearest larger cities within 120 miles: Ivins, UT (28 mi); Santa Clara, UT (31 mi); Washington, UT (34 mi); St. George, UT (35 mi); La Verkin, UT (36 mi) (US Census Bureau).
- Nearest smaller communities: New Harmony, UT (25 mi); Kanarraville, UT (31 mi); Leeds, UT (32 mi), each a US Census place.
What a personal loan costs in Enterprise
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Enterprise
Read the table as the compliance picture for a lender serving Enterprise: label, sourced figure, publisher and date.
| 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 Enterprise
Run through this list before signing anything in Enterprise:
- 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.