Marysvale at a glance
- Population: roughly 454 people; 201st of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 356 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 27.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 201st out of 255 Census places (US Census Bureau).
- Size percentile: roughly 21% of Utah's places have fewer residents (US Census Bureau).
- Coordinates: 38.4366, -112.2620 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Monroe, UT (15 mi); Elsinore, UT (18 mi); Circleville, UT (19 mi); Central Valley, UT (20 mi); Annabella, UT (22 mi) (US Census Bureau).
- Nearest smaller places: Joseph, UT (13 mi); Junction, UT (14 mi); Kingston, UT (17 mi) (US Census Bureau estimates).
What a personal loan costs in Marysvale
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 number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in Marysvale
The table lists the Utah rules that apply to a loan made in Marysvale, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marysvale
A few practical steps will make the process in Marysvale less costly:
- 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.