Hinckley at a glance
- Population: roughly 643 people; 178th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 615 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 178th by size among 255 communities (US Census Bureau).
- Size percentile: ahead of around 30% of Utah places in population terms (US Census Bureau).
- Coordinates: 39.3336 latitude, -112.6735 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Delta, UT (7 mi); Fillmore, UT (31 mi); Levan, UT (46 mi); Gunnison, UT (48 mi); Centerfield, UT (48 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Oak City, UT (18 mi); Lynndyl, UT (19 mi); Leamington, UT (25 mi), each a US Census place.
What a personal loan costs in Hinckley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Utah lending rules that apply in Hinckley
Each row below is a Utah rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hinckley
The steps below are worth completing first when you borrow in Hinckley:
- 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.