Naples at a glance
- Population: about 2,466, 114th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,278 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 8.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 114th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 55% of the places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.4317, -109.4913.
- Nearest larger cities: Vernal, UT (3 mi); Roosevelt, UT (28 mi); Green River, WY (75 mi); Rock Springs, WY (82 mi); Price, UT (90 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Ballard, UT (26 mi); Dinosaur, CO (29 mi); Myton, UT (34 mi) (US Census Bureau).
What a personal loan costs in Naples
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Naples
The table carries the Utah rate and licensing rules that apply to consumer loans made in Naples.
| 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 Naples
These steps are the ones that most affect the offer you receive in Naples:
- 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.