Manila at a glance
- Population: a Census-estimated 332, placing it 214th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 309 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 7.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: the 214th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 16% of Utah places in population terms (US Census Bureau).
- Coordinates: 40.9922 latitude, -109.7210 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Mountain View, WY (37 mi); Lyman, WY (38 mi); Green River, WY (38 mi); Vernal, UT (39 mi); Naples, UT (41 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Dutch John, UT (17 mi); Granger, WY (44 mi); Altamont, UT (53 mi) — US Census Bureau populations.
What a personal loan costs in Manila
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Manila
The table carries the Utah rate and licensing rules that apply to consumer loans made in Manila.
| 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 Manila
Here is a short checklist for comparing personal loans in Manila:
- 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.