Personal loans in Fillmore, UT
Fillmore gained roughly 2.8% in population across the 2020-to-2023 comparison. Two households in Fillmore with comparable incomes can still be offered different rates; the city's 2,671 residents are not the reason.
An estimated 2,671 people make their home in Fillmore, a figure that ranks 109th in Utah. The closest larger city is Richfield, UT about 19 miles away. Every figure below is Utah's own, applied to Fillmore's 2,671 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Fillmore loan.
What the Census records for Fillmore
Here is the sourced Census picture for Fillmore, plus the Utah lending rules that apply to a loan taken out here.
- Population: a Census-estimated 2,671, 109th among Utah's 255 places (Vintage 2023).
- Population trend: Growth of about 2.8% across the 2020-to-2023 comparison.
- People gained or lost: about 74 more since the 2020 base.
- Size percentile: about 57% of Utah communities are smaller than Fillmore (2,671 residents).
- Population density: about 371 people per square mile across 7.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Fillmore ranks 99th among Utah's 255 places, at 7.2 sq mi.
- State population share: Fillmore accounts for about 0.1% of everyone in Utah.
- National rank: Fillmore sits 6,645th by population among the 19,457 places in this dataset.
- Growth rank: Fillmore ranks 160th among Utah's 255 places for the 2020-to-2023 change.
- Against the state trend: Fillmore's 2.8% change compares with a Utah average of +5.3% across its 255 places.
- Density rank: Fillmore is the 169th most densely settled place in Utah.
- Against the state median: Fillmore runs about 371 residents per square mile, where the Utah median is 705.
- Location: 38.9643, -112.3387 (US Census Bureau Gazetteer).
- Nearest larger cities: Richfield (19 mi); Monroe (26 mi); Delta (30 mi); Gunnison (31 mi); Manti (43 mi). Larger metros often have more branches, but online lenders reach Fillmore on the same terms.
- Nearest smaller towns: Meadow (7 mi); Holden (10 mi); Kanosh (12 mi).
- Within a 50-mile radius: 24 smaller Census places.
- Larger places within 100 miles: 25.
How Fillmore compares across Utah
Within Utah, Fillmore holds roughly 0.1% of all residents, the 109th-largest share among 255 places. Its 2020-to-2023 change ranks 160th of 255 Utah places, putting it near the 37th percentile for growth. By density, at about 371 people per square mile, it ranks 169th in Utah. In land area, Fillmore ranks 99th among Utah's 255 places.
What Utah law requires in Fillmore
This table holds the Utah rate and licensing rules for consumer loans made to Fillmore's 2,671 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 |
How personal loans work in Fillmore
In Fillmore, a small community of about 2,671, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Fillmore lender to disclose the APR and finance charge before you sign. Shortening the term on a Fillmore loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Fillmore borrowers
At roughly 371 people per square mile, Fillmore is lightly settled; 6 larger places lie within 50 miles. A Utah licence lets a lender serve Fillmore without a local office, so branch density does not change what its 2,671 residents are offered. For a larger market, the closest option is Richfield, UT about 19 miles away.
A practical checklist for Fillmore borrowers
Complete these steps first when you borrow in Fillmore (2,671 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Utah licence with the regulator named above before committing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
In Fillmore as elsewhere in Utah, the written terms — not the advertisement — are what count for its 2,671 residents.
Common questions
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Does comparing loans in Fillmore cost me credit score points?
Nearby places
- Meadow, UT — population 348
- Holden, UT — population 463
- Kanosh, UT — population 513
- Richfield, UT — population 8,268
- Elsinore, UT — population 872
- Central Valley, UT — population 679
- Joseph, UT — population 305
- Scipio, UT — population 369