Fillmore at a glance
- Population: a Census-estimated 2,671, placing it 109th among Utah's 255 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,597 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 2.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Utah places: 109th by size among 255 communities (US Census Bureau).
- Size percentile: ahead of around 57% of Utah places in population terms (US Census Bureau).
- Coordinates: latitude 38.9643, longitude -112.3387 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Richfield, UT (19 mi); Monroe, UT (26 mi); Delta, UT (30 mi); Gunnison, UT (31 mi); Manti, UT (43 mi) (US Census Bureau).
- Nearest smaller communities: Meadow, UT (7 mi); Holden, UT (10 mi); Kanosh, UT (12 mi) (Census populations).
What a personal loan costs in Fillmore
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Utah lending rules that apply in Fillmore
The table lists the Utah rules that apply to a loan made in Fillmore, 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 Fillmore
Before you share your details with a lender in Fillmore:
- 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.