Panguitch at a glance
- Population: 1,797 people, the 126th-largest place among Utah's 255 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,727 residents here (US Census Bureau).
- 2020 to 2023 change: up about 4.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Utah places: 126th in population of 255 places (US Census Bureau).
- Size percentile: about 51% of places in Utah are smaller (US Census Bureau).
- Coordinates: latitude 37.8229, longitude -112.4342 (US Census Bureau Gazetteer).
- Nearest larger cities: Parowan, UT (22 mi); Beaver, UT (33 mi); Enoch, UT (34 mi); Cedar City, UT (37 mi); Kanab, UT (55 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Hatch, UT (12 mi); Bryce Canyon City, UT (18 mi); Paragonah, UT (19 mi) (Census populations).
What a personal loan costs in Panguitch
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Utah lending rules that apply in Panguitch
Read the table as the compliance picture for a lender serving Panguitch: label, sourced figure, publisher and date.
| 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 Panguitch
Before you commit to a personal loan in Panguitch, 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.