Orangeville at a glance
- Population: 1,262 — 149th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,228 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 149th largest of 255 (US Census Bureau).
- Size percentile: it is larger than about 42% of the places in Utah (US Census Bureau).
- Coordinates: 39.2308 / -111.0592, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Castle Dale, UT (2 mi); Huntington, UT (9 mi); Ferron, UT (10 mi); Wellington, UT (27 mi); Price, UT (29 mi) (US Census Bureau).
- Smaller places close by: Clawson, UT (7 mi); Cleveland, UT (14 mi); Elmo, UT (17 mi) (US Census Bureau).
What a personal loan costs in Orangeville
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Utah lending rules that apply in Orangeville
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 Orangeville
Run through this list before signing anything in Orangeville:
- 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.