Daniel at a glance
- Population: a Census-estimated 857, placing it 166th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 915 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 6.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 166th in population of 255 places (US Census Bureau).
- Size percentile: it is larger than about 35% of the places in Utah (US Census Bureau).
- Coordinates: latitude 40.4667, longitude -111.4095 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Midway, UT (5 mi); Heber, UT (5 mi); Francis, UT (12 mi); Hideout, UT (12 mi); Park City, UT (14 mi) (US Census Bureau).
- Smaller places nearby: Charleston, UT (3 mi); Wallsburg, UT (6 mi); Interlaken, UT (6 mi), per US Census Bureau estimates.
What a personal loan costs in Daniel
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Daniel
Each row below is a Utah rule with its publisher and the date it was retrieved.
| 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 Daniel
The order below is a sensible way to approach a loan in Daniel:
- 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.