Mantua at a glance
- Population: 1,303 residents, the 145th-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,089 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 19.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 145th in population of 255 places (US Census Bureau).
- Size percentile: ahead of around 43% of Utah places in population terms (US Census Bureau).
- Coordinates: latitude 41.4980, longitude -111.9357 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Perry, UT (6 mi); Brigham City, UT (6 mi); Willard, UT (9 mi); Wellsville, UT (9 mi); Hyrum, UT (10 mi) (US Census Bureau).
- Nearest smaller places: Paradise, UT (7 mi); Corinne, UT (10 mi); Bear River City, UT (13 mi) (US Census Bureau estimates).
What a personal loan costs in Mantua
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.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Mantua
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mantua
Before you share your details with a lender in Mantua:
- 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.