Snowville at a glance
- Population: about 160 residents, ranking 243rd of 255 Census places in Utah (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 162 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.2% since the 2020 count (US Census Bureau).
- Rank among Utah places: 243rd in population of 255 places (US Census Bureau).
- Size percentile: roughly 5% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: 41.9728 / -112.7164, per the US Census Bureau Gazetteer.
- Nearest larger cities: Howell, UT (19 mi); Portage, UT (24 mi); Malad City, ID (28 mi); Plymouth, UT (30 mi); Tremonton, UT (32 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Oxford, ID (41 mi); Acequia, ID (66 mi); Minidoka, ID (67 mi), each a US Census place.
What a personal loan costs in Snowville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
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 Snowville
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Snowville
Here is a short checklist for comparing personal loans in Snowville:
- 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.