Mapleton at a glance
- Population: roughly 13,732 people; 56th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 11,362 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 20.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Utah places: the 56th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 78% of Utah's Census places by population (US Census Bureau).
- Coordinates: 40.1188 latitude, -111.5742 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Spanish Fork, UT (4 mi); Springville, UT (4 mi); Provo, UT (10 mi); Payson, UT (10 mi); Orem, UT (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Salem, UT (7 mi); Woodland Hills, UT (8 mi); Elk Ridge, UT (9 mi), each a US Census place.
What a personal loan costs in Mapleton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in Mapleton
The Utah rate caps and licensing rules that reach Mapleton are listed below, each with its source and retrieval date.
| 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 Mapleton
The steps below are worth completing first when you borrow in Mapleton:
- 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.