Kanosh at a glance
- Population: 513 people, the 193rd-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 507 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 1.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: 193rd in population of 255 places (US Census Bureau).
- Size percentile: roughly 24% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: 38.8014, -112.4374 (US Census Bureau Gazetteer).
- Nearest larger cities: Fillmore, UT (12 mi); Elsinore, UT (18 mi); Richfield, UT (19 mi); Central Valley, UT (20 mi); Monroe, UT (21 mi); US Census Bureau population estimates.
- Nearest smaller communities: Meadow, UT (6 mi); Joseph, UT (17 mi); Holden, UT (23 mi), each a US Census place.
What a personal loan costs in Kanosh
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Kanosh
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Kanosh.
| 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 Kanosh
Before you commit to a personal loan in Kanosh, work through these steps:
- 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.