Perry at a glance
- Population: 5,936 (US Census Bureau, Vintage 2023 subcounty estimate), the 88th-largest of 255 places in Utah.
- 2020 Census base: 5,551 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 6.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 88th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 65% of Utah's Census places by population (US Census Bureau).
- Coordinates: it sits at 41.4645, -112.0405 in the US Census Bureau Gazetteer.
- Nearest larger cities: Brigham City, UT (3 mi); Pleasant View, UT (10 mi); North Ogden, UT (11 mi); Plain City, UT (11 mi); Farr West, UT (11 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Willard, UT (4 mi); Mantua, UT (6 mi); Corinne, UT (7 mi) — US Census Bureau populations.
What a personal loan costs in Perry
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Utah lending rules that apply in Perry
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Perry
Before you commit to a personal loan in Perry, 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.