Rockville at a glance
- Population: roughly 223 people; 236th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 224 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.4% below the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 236th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 7% of the places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.1478, -113.0548.
- Nearest larger cities: Springdale, UT (4 mi); Apple Valley, UT (5 mi); Virgin, UT (9 mi); Hildale, UT (10 mi); La Verkin, UT (12 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Alton, UT (36 mi); Brian Head, UT (40 mi); Hatch, UT (49 mi) (US Census Bureau).
What a personal loan costs in Rockville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Rockville
The Utah rate caps and licensing rules that reach Rockville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rockville
The steps below are worth completing first when you borrow in Rockville:
- 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.