Personal loans in Annabella, UT

Population in Annabella climbed about 4.8% over the three years from 2020 to 2023. Annabella, Utah — home to about 877 people — is a small community, so the terms you are offered follow Utah law rather than any local rule. With 877 residents, Annabella outranks about 36% of the communities in Utah. The nearest larger metro is Richfield, UT about 4 miles away. Consumer lending that reaches Annabella's 877 residents is governed by Utah statute; no city ordinance changes it. Decide the purpose of the loan and your repayment plan before sharing any details with a Annabella lender.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Local context for Annabella

Most of what governs a Annabella loan is written in Utah law rather than in the city; the sourced notes below make that split concrete.

How lenders reach Annabella

Annabella is moderately settled, with about 1,345 people per square mile and 9 larger places within 50 miles. Lenders licensed in Utah reach Annabella's 877 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Richfield, UT about 4 miles away.

Which Utah laws govern a loan in Annabella

The rows below set out what a licensed lender must follow in Utah, and so for Annabella's roughly 877 residents.

RuleDetailSource
State lending regulatorUtah 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
Small-loan / installment lender licensingConsumer 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
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

What to do before borrowing in Annabella

Complete these steps first when you borrow in Annabella (877 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Utah licence with the regulator listed on this page.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

The process is identical across Utah; what changes is your credit file, not the fact that Annabella holds 877 people.

Annabella against the rest of Utah

Within Utah, Annabella holds roughly 0.0% of all residents, the 162nd-largest share among 255 places. Its 2020-to-2023 change ranks 109th of 255 Utah places, putting it near the 57th percentile for growth. At about 1,345 people per square mile, Annabella is the 77th most densely settled place in Utah. Between 2020 and 2023 the count changed by roughly 40 residents.

Where Annabella sits

The Census Gazetteer records about 0.7 square miles of land within Annabella, with no significant water area listed. Spread across it are roughly 1,345 residents per square mile. The state's population centre of gravity, Salt Lake City, is roughly 143 miles away. Counting outward 50 miles, 9 larger communities surround Annabella. The 100-mile radius contains 40 larger places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Annabella if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Annabella is the same as anywhere in Utah.
What loan size can I expect in Annabella?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Annabella?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Annabella cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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