Duchesne at a glance
- Population: 1,643 — 129th in Utah, which has 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,590 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 3.3% since the 2020 count (US Census Bureau).
- Rank among Utah places: 129th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 49% of the places in Utah (US Census Bureau).
- Coordinates: 40.1753 / -110.3941, per the US Census Bureau Gazetteer.
- Nearest larger cities: Roosevelt, UT (23 mi); Helper, UT (42 mi); Price, UT (45 mi); Vernal, UT (49 mi); Naples, UT (51 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Altamont, UT (14 mi); Myton, UT (18 mi); Tabiona, UT (21 mi) (US Census Bureau).
What a personal loan costs in Duchesne
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.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in Duchesne
Read the table as the compliance picture for a lender serving Duchesne: label, sourced figure, publisher and date.
| 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 Duchesne
A few practical steps will make the process in Duchesne 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.