Enoch at a glance
- Population: 8,336, the 75th-largest community in Utah out of 255 (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,378 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 13.0% since the 2020 count (US Census Bureau).
- Rank among Utah places: 75th of 255 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 71% of Utah places in population terms (US Census Bureau).
- Coordinates: latitude 37.7666, longitude -113.0453 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cedar City, UT (6 mi); Hurricane, UT (46 mi); Washington, UT (50 mi); Ivins, UT (54 mi); Santa Clara, UT (55 mi) (US Census Bureau populations).
- Nearest smaller communities: Brian Head, UT (12 mi); Parowan, UT (13 mi); Paragonah, UT (17 mi), each a US Census place.
What a personal loan costs in Enoch
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Utah lending rules that apply in Enoch
The table lists the Utah rules that apply to a loan made in Enoch, each with the regulator that published it.
| 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 Enoch
Run through this list before signing anything in Enoch:
- 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.