Fairview at a glance
- Population: 1,281 — 146th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,204 residents here (US Census Bureau).
- 2020 to 2023 change: about 6.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 146th by size among 255 communities (US Census Bureau).
- Size percentile: about 43% of places in Utah are smaller (US Census Bureau).
- Coordinates: 39.6300 latitude, -111.4369 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Mount Pleasant, UT (6 mi); Moroni, UT (11 mi); Ephraim, UT (20 mi); Nephi, UT (22 mi); Mona, UT (25 mi), each a US Census place with its estimated population.
- Nearest smaller places: Spring City, UT (11 mi); Fountain Green, UT (11 mi); Wales, UT (15 mi) (US Census Bureau estimates).
What a personal loan costs in Fairview
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Utah lending rules that apply in Fairview
The Utah rate caps and licensing rules that reach Fairview are listed below, each with its source and retrieval 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 Fairview
A few practical steps will make the process in Fairview less costly:
- 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.