Plymouth at a glance
- Population: 438 (US Census Bureau, Vintage 2023 subcounty estimate), the 203rd-largest of 255 places in Utah.
- 2020 Census base: the 2020 count put the population at 426 (US Census Bureau).
- 2020 to 2023 change: about 2.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: 203rd-largest of 255 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 20% of the places in Utah (US Census Bureau).
- Coordinates: 41.8736 latitude, -112.1468 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Fielding, UT (4 mi); Clarkston, UT (6 mi); Newton, UT (8 mi); Garland, UT (10 mi); Tremonton, UT (11 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Portage, UT (9 mi); Cornish, UT (12 mi); Deweyville, UT (13 mi) (US Census Bureau).
What a personal loan costs in Plymouth
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Utah lending rules that apply in Plymouth
The Utah rate caps and licensing rules that reach Plymouth 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 Plymouth
Run through this list before signing anything in Plymouth:
- 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.