Eureka at a glance
- Population: the Census estimates 662 residents, ranking 177th of 255 places in Utah (Vintage 2023).
- 2020 Census base: 660 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 177th in population of 255 places (US Census Bureau).
- Size percentile: larger than about 31% of the Census places in Utah (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.9587, -112.1151.
- Nearest larger cities: Goshen, UT (11 mi); Genola, UT (15 mi); Rocky Ridge, UT (16 mi); Santaquin, UT (17 mi); Mona, UT (18 mi), each a US Census place with its estimated population.
- Smaller places close by: Fairfield, UT (19 mi); Vernon, UT (20 mi); Cedar Fort, UT (26 mi) (US Census Bureau).
What a personal loan costs in Eureka
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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 useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Utah lending rules that apply in Eureka
The table carries the Utah rate and licensing rules that apply to consumer loans made in Eureka.
| 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 Eureka
Here is a short checklist for comparing personal loans in Eureka:
- 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.