Harrisville at a glance
- Population: about 6,802, 84th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,037 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 3.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 84th by size among 255 communities (US Census Bureau).
- Size percentile: ahead of around 67% of Utah places in population terms (US Census Bureau).
- Coordinates: it sits at 41.2853, -111.9860 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: North Ogden, UT (2 mi); Farr West, UT (3 mi); Pleasant View, UT (3 mi); Ogden, UT (4 mi); Plain City, UT (6 mi) (US Census Bureau).
- Smaller places nearby: Marriott-Slaterville, UT (3 mi); Willard, UT (9 mi); Uintah, UT (10 mi), per US Census Bureau estimates.
What a personal loan costs in Harrisville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Harrisville
The table lists the Utah rules that apply to a loan made in Harrisville, 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 Harrisville
The steps below are worth completing first when you borrow in Harrisville:
- 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.