New Harmony at a glance
- Population: 247 residents, the 230th-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: 239 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 3.3% since the 2020 count (US Census Bureau).
- Rank among Utah places: 230th by size among 255 communities (US Census Bureau).
- Size percentile: it is larger than about 10% of the places in Utah (US Census Bureau).
- Coordinates: 37.4800, -113.3093 (US Census Bureau Gazetteer).
- Nearest larger cities: Kanarraville, UT (8 mi); Toquerville, UT (15 mi); Leeds, UT (17 mi); La Verkin, UT (17 mi); Cedar City, UT (18 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Rockville, UT (27 mi); Brian Head, UT (30 mi); Alton, UT (44 mi) (US Census Bureau).
What a personal loan costs in New Harmony
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 New Harmony
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 New Harmony
Before you commit to a personal loan in New Harmony, work through these steps:
- 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.