Interlaken at a glance
- Population: about 158, 244th by size in Utah of 255 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 178 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 11.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Utah places: 244th of the state's 255 Census places (US Census Bureau).
- Size percentile: larger than about 4% of the Census places in Utah (US Census Bureau).
- Coordinates: 40.5412 / -111.4753, per the US Census Bureau Gazetteer.
- Nearest larger cities: Midway, UT (1 mi); Heber, UT (5 mi); Charleston, UT (5 mi); Daniel, UT (6 mi); Park City, UT (8 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Independence, UT (13 mi); Fairfield, UT (38 mi); Tabiona, UT (42 mi), each a US Census place.
What a personal loan costs in Interlaken
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 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 Interlaken
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Interlaken
Run through this list before signing anything in Interlaken:
- 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.