Huntington at a glance
- Population: the Census estimates 1,982 residents, ranking 121st of 255 places in Utah (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,916 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 121st largest of 255 (US Census Bureau).
- Size percentile: roughly 53% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 39.3301 / -110.9628, per the US Census Bureau Gazetteer.
- Nearest larger cities: Price, UT (21 mi); Helper, UT (25 mi); Mount Pleasant, UT (30 mi); Ephraim, UT (33 mi); Manti, UT (36 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Cleveland, UT (6 mi); Castle Dale, UT (8 mi); Orangeville, UT (9 mi) — US Census Bureau populations.
What a personal loan costs in Huntington
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Huntington
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 Huntington
A few practical steps will make the process in Huntington 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.