Manti at a glance
- Population: 3,645 people, the 103rd-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 3,435 (US Census Bureau).
- 2020 to 2023 change: up about 6.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 103rd by size among 255 communities (US Census Bureau).
- Size percentile: about 60% of places in Utah are smaller (US Census Bureau).
- Coordinates: 39.2665 / -111.6353, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ephraim, UT (7 mi); Mount Pleasant, UT (21 mi); Nephi, UT (32 mi); Richfield, UT (43 mi); Delta, UT (49 mi); US Census Bureau population estimates.
- Smaller places close by: Sterling, UT (6 mi); Mayfield, UT (11 mi); Fayette, UT (12 mi) (US Census Bureau).
What a personal loan costs in Manti
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Utah lending rules that apply in Manti
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 |
|---|---|---|
| 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 Manti
The order below is a sensible way to approach a loan in Manti:
- 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.