Dutch John at a glance
- Population: roughly 146 people; 248th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 139 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 5.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Utah places: the 248th-largest of 255 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 3% of places in Utah rank below it by population (US Census Bureau).
- Coordinates: latitude 40.9271, longitude -109.4031 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Manila, UT (17 mi); Vernal, UT (34 mi); Naples, UT (35 mi); Green River, WY (41 mi); Rock Springs, WY (47 mi) (US Census Bureau).
- Smaller places close by: Granger, WY (55 mi); Opal, WY (75 mi); Dixon, WY (98 mi) (US Census Bureau).
What a personal loan costs in Dutch John
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Utah lending rules that apply in Dutch John
The sourced rows below are the rules a licensed lender must follow when lending in Utah, and therefore in Dutch John.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dutch John
Here is a short checklist for comparing personal loans in Dutch John:
- 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.