Ivins at a glance
- Population: 10,164 (US Census Bureau, Vintage 2023 subcounty estimate), the 67th-largest of 255 places in Utah.
- 2020 Census base: the 2020 count put the population at 8,979 (US Census Bureau).
- 2020 to 2023 change: an increase of about 13.2% since the 2020 count (US Census Bureau).
- Rank among Utah places: 67th in population of 255 places (US Census Bureau).
- Size percentile: it exceeds roughly 74% of Utah's Census places by population (US Census Bureau).
- Coordinates: mapped at 37.1738, -113.6808 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): St. George, UT (9 mi); Washington, UT (11 mi); Hurricane, UT (18 mi); Mesquite, NV (35 mi); Cedar City, UT (48 mi) (US Census Bureau populations).
- Smaller towns nearby: Santa Clara, UT (3 mi); Leeds, UT (19 mi); Toquerville, UT (22 mi) (US Census Bureau).
What a personal loan costs in Ivins
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Utah lending rules that apply in Ivins
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ivins
Here is a short checklist for comparing personal loans in Ivins:
- 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.