Moroni at a glance
- Population: the Census estimates 1,642 residents, ranking 130th of 255 places in Utah (Vintage 2023).
- 2020 Census base: 1,545 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 6.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 130th of the state's 255 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 49% of Utah's Census places by population (US Census Bureau).
- Coordinates: 39.5270, -111.5831 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Mount Pleasant, UT (7 mi); Ephraim, UT (12 mi); Nephi, UT (18 mi); Manti, UT (18 mi); Mona, UT (24 mi) (US Census Bureau).
- Smaller towns nearby: Wales, UT (4 mi); Spring City, UT (6 mi); Fountain Green, UT (8 mi) (US Census Bureau).
What a personal loan costs in Moroni
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Utah lending rules that apply in Moroni
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Moroni
Before you commit to a personal loan in Moroni, work through these steps:
- 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.