Fielding at a glance
- Population: the Census estimates 622 residents, ranking 181st of 255 places in Utah (Vintage 2023).
- 2020 Census base: 555 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 12.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Utah places: 181st largest of 255 (US Census Bureau).
- Size percentile: larger than about 29% of the Census places in Utah (US Census Bureau).
- Coordinates: it sits at 41.8125, -112.1173 in the US Census Bureau Gazetteer.
- Nearest larger cities: Garland, UT (6 mi); Newton, UT (7 mi); Tremonton, UT (7 mi); Clarkston, UT (8 mi); Elwood, UT (10 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Plymouth, UT (4 mi); Deweyville, UT (8 mi); Trenton, UT (12 mi) (Census populations).
What a personal loan costs in Fielding
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Fielding
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fielding
Here is a short checklist for comparing personal loans in Fielding:
- 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.