Willard at a glance
- Population: a Census-estimated 2,283, placing it 116th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,980 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 15.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 116th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 55% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: latitude 41.4032, longitude -112.0425 (US Census Bureau Gazetteer).
- Nearest larger cities: Perry, UT (4 mi); Pleasant View, UT (6 mi); Farr West, UT (7 mi); Brigham City, UT (7 mi); Plain City, UT (7 mi), each a US Census place with its estimated population.
- Nearest smaller places: Mantua, UT (9 mi); Marriott-Slaterville, UT (10 mi); Corinne, UT (11 mi) (US Census Bureau estimates).
What a personal loan costs in Willard
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Willard
Read the table as the compliance picture for a lender serving Willard: label, sourced figure, publisher and 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 Willard
Before you commit to a personal loan in Willard, 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.