Nibley at a glance
- Population: the Census estimates 8,271 residents, ranking 76th of 255 places in Utah (Vintage 2023).
- 2020 Census base: 7,333 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 12.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Utah places: 76th largest of 255 (US Census Bureau).
- Size percentile: about 70% of Utah's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.6730, -111.8468.
- Nearest larger cities: Providence, UT (3 mi); Hyrum, UT (3 mi); Logan, UT (5 mi); North Logan, UT (7 mi); Smithfield, UT (11 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Millville, UT (2 mi); River Heights, UT (4 mi); Wellsville, UT (6 mi) (US Census Bureau).
What a personal loan costs in Nibley
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Utah lending rules that apply in Nibley
The Utah rate caps and licensing rules that reach Nibley 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 Nibley
Before you share your details with a lender in Nibley:
- 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.