Personal loans in Ephraim, UT

Judge Ephraim offers on total cost, not on how quickly the money arrives. A 2020-to-2023 comparison shows Ephraim up by about 8.9%. For the 6,108 people in Ephraim, Utah runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Nephi, UT about 27 miles away.

The Ephraim data picture

Two layers matter for a Ephraim borrower: the local population picture and Utah's consumer-lending statutes.

• Population: an estimated 6,108 residents, 85th of 255 places in Utah (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 8.9% from 2020 to 2023.
• Net change: roughly 501 more people than the 2020 Census counted.
• Size percentile: with 6,108 residents, Ephraim is larger than about 67% of Utah's Census places.
• Population density: 1,193 people per square mile on 5.1 square miles of land.
• By land area: Ephraim ranks 129th among Utah's 255 places, at 5.1 sq mi.
• State population share: Ephraim accounts for about 0.2% of everyone in Utah.
• National rank: Ephraim is 4,316th of 19,457 places nationwide.
• Growth rank: Ephraim's 2020-to-2023 change ranks 49th of 255 places in Utah.
• Against the state trend: Ephraim's 8.9% change compares with a Utah average of +5.3% across its 255 places.
• Density rank: Ephraim places 83rd among Utah's places by people per square mile.
• Density in context: Ephraim's 1,193 people per square mile sit against a Utah median of 705.
• Location: latitude 39.3591, longitude -111.5860 (Census Gazetteer).
• Nearest larger cities: Nephi (27 mi); Santaquin (44 mi); Price (45 mi); Payson (47 mi); Salem (48 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Manti (7 mi); Wales (9 mi); Spring City (10 mi).
• Within a 50-mile radius: 41 smaller Census places.
• At 100 miles: 42 larger Census places fall inside that radius.

What to do before borrowing in Ephraim

Complete these steps first when you borrow in Ephraim (6,108 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's Utah licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Ephraim-specific: the same Utah licensing and disclosure rules reach all 6,108 residents.

What is available to Ephraim borrowers

With about 1,193 residents per square mile, Ephraim is moderately settled, and 6 larger Census places sit within 50 miles. A Utah licence lets a lender serve Ephraim without a local office, so branch density does not change what its 6,108 residents are offered. The nearest larger city, Nephi, UT about 27 miles away.

Ephraim on the map

Ephraim covers about 5.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,193 people per square mile. The largest place in Utah, Salt Lake City, lies about 100 miles away. Ephraim has 6 larger places within a 50-mile radius. By land area it ranks 129th of 255 Utah places.

Utah consumer-lending rules applied in Ephraim

For the roughly 6,108 residents of Ephraim, the rules below are Utah's own; each row carries its publisher and retrieval date.

What a Ephraim borrower is actually offered

Ephraim is a small town of about 6,108 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Ephraim's 6,108 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ephraim loan is knowable in advance — unlike a revolving card balance.