Meadow at a glance
- Population: 348 — 212th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 334 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 4.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: the 212th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 17% of the places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.8862, -112.4071.
- Nearest larger cities: Kanosh, UT (6 mi); Fillmore, UT (7 mi); Holden, UT (17 mi); Richfield, UT (19 mi); Elsinore, UT (20 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Joseph, UT (21 mi); Fayette, UT (38 mi); Koosharem, UT (38 mi) (Census populations).
What a personal loan costs in Meadow
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Meadow
The table lists the Utah rules that apply to a loan made in Meadow, 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 Meadow
These steps are the ones that most affect the offer you receive in Meadow:
- 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.