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.
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.
- Population: about 877 people live here, which puts Annabella 162nd of 255 Census places in Utah (Vintage 2023).
- Population trend: Roughly 4.8% more residents than the 2020 Census counted.
- Absolute change: 40 residents added between 2020 and 2023.
- Size percentile: roughly 36% of Utah places rank below Annabella.
- Land and density: 0.7 square miles of land carry roughly 1,345 residents per square mile.
- By land area: Annabella ranks 240th among Utah's 255 places, at 0.7 sq mi.
- State population share: Annabella accounts for about 0.0% of everyone in Utah.
- National rank: Annabella is 10,793rd of 19,457 places nationwide.
- Growth in Utah: Annabella stands 109th by percentage change from 2020 to 2023, among 255 places.
- Versus Utah: the state average change is +5.3%, while Annabella moved 4.8%.
- Density rank: Annabella places 77th among Utah's places by people per square mile.
- Density vs Utah: Annabella's 1,345 people per square mile compare with a state median of 705.
- Location: 38.7060, -112.0586 (Census Gazetteer coordinates).
- Nearest larger cities: Richfield (4 mi); Monroe (7 mi); Aurora (16 mi); Salina (19 mi); Fillmore (23 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Central Valley (2 mi); Elsinore (5 mi); Glenwood (5 mi).
- Within a 50-mile radius: 25 smaller Census places.
- Within 100 miles: 40 places are larger than Annabella.
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.
| 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 |
| 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 |
| 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):
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Utah licence with the regulator listed on this page.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
- 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.
Common questions
What are my options in Annabella if my credit is poor?
What loan size can I expect in Annabella?
Do I have to pledge anything to borrow in Annabella?
Does comparing loans in Annabella cost me credit score points?
Nearby places
- Central Valley, UT — population 679
- Richfield, UT — population 8,268
- Elsinore, UT — population 872
- Glenwood, UT — population 489
- Monroe, UT — population 2,685
- Joseph, UT — population 305
- Sigurd, UT — population 427
- Aurora, UT — population 1,038