Brian Head at a glance
- Population: 157 — 245th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 146 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 7.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 245th of the state's 255 Census places (US Census Bureau).
- Size percentile: ahead of around 4% of Utah places in population terms (US Census Bureau).
- Coordinates: 37.6977 latitude, -112.8416 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Parowan, UT (9 mi); Enoch, UT (12 mi); Paragonah, UT (14 mi); Cedar City, UT (14 mi); Kanarraville, UT (22 mi); US Census Bureau population estimates.
- Smaller places close by: Hatch, UT (22 mi); Alton, UT (26 mi); Kingston, UT (50 mi) (US Census Bureau).
What a personal loan costs in Brian Head
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Brian Head
The Utah rate caps and licensing rules that reach Brian Head 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 Brian Head
The steps below are worth completing first when you borrow in Brian Head:
- 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.