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.

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.

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.

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.

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

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):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Utah licence with the regulator named above before committing.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. 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.

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 Fillmore 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 Fillmore is the same as anywhere in Utah.
What loan size can I expect in Fillmore?
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 Fillmore?
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 Fillmore 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.

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