Virgin at a glance
- Population: 701, the 175th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 666 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 5.3% since the 2020 count (US Census Bureau).
- Rank among Utah places: 175th of the state's 255 Census places (US Census Bureau).
- Size percentile: roughly 31% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: it sits at 37.1947, -113.2055 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: La Verkin, UT (4 mi); Toquerville, UT (7 mi); Leeds, UT (8 mi); Hurricane, UT (9 mi); Apple Valley, UT (10 mi) (US Census Bureau).
- Nearest smaller communities: Rockville, UT (9 mi); Springdale, UT (11 mi); New Harmony, UT (21 mi), each a US Census place.
What a personal loan costs in Virgin
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Virgin
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Virgin.
| 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 Virgin
A few practical steps will make the process in Virgin less costly:
- 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.