Honeyville at a glance
- Population: 1,736, the 127th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,602 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 8.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 127th of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 50% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 41.6361, -112.0857 (US Census Bureau Gazetteer).
- Nearest larger cities: Wellsville, UT (7 mi); Tremonton, UT (8 mi); Garland, UT (8 mi); Brigham City, UT (9 mi); Perry, UT (12 mi); US Census Bureau population estimates.
- Nearest smaller communities: Bear River City, UT (3 mi); Elwood, UT (4 mi); Deweyville, UT (4 mi), each a US Census place.
What a personal loan costs in Honeyville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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 Honeyville
The table carries the Utah rate and licensing rules that apply to consumer loans made in Honeyville.
| 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 Honeyville
These steps are the ones that most affect the offer you receive in Honeyville:
- 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.