Personal loans in Leamington, UT

To lend to Leamington's 274 residents, a company must hold a Utah licence, and each sourced row below names the regulator behind it.

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.

The roughly 274 people who live in Leamington borrow under Utah rules; city hall sets no personal-loan rate. Roughly 274 residents live in Leamington, the 226th-largest community in Utah. Census figures put the 2020-to-2023 increase in Leamington at about 4.6%. Read the disclosure for an origination fee and any prepayment penalty before signing in Leamington. The closest larger city is Oak City, UT about 11 miles away.

Leamington: the sourced local profile

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

How lenders reach Leamington

Leamington is lightly settled, with about 175 people per square mile and 36 larger places within 50 miles. What is available to Leamington's 274 borrowers is set by Utah licensing and your own credit, not by how many branches are nearby. The nearest larger city, Oak City, UT about 11 miles away.

Utah consumer-lending rules applied in Leamington

Utah has no separate rate rule for Leamington; the sourced rows below are what reach every lender that serves its 274 people.

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
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
Payday lending statusLegal; deferred deposit lenders must register with the Utah DFI (Utah Code Title 7, ch. 23)
Source says: It is unlawful for a person to engage in the business of cashing checks or the business of deferred deposit lending in Utah
Utah State Legislature
as of 2026-09-16

Leamington in state context

Against Utah's other places, Leamington accounts for about 0.0% of the state's population and ranks 226th of 255 by size. For population change between 2020 and 2023, Leamington ranks 115th of 255 in Utah (about the 55th percentile). At about 175 people per square mile, Leamington is the 195th most densely settled place in Utah. Between 2020 and 2023 the count changed by roughly 12 residents.

What shapes a Leamington personal loan

With roughly 274 residents, Leamington is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Leamington loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Leamington loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Leamington on the map

Leamington covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 175 people per square mile. Salt Lake City, the largest place in Utah, is about 88 miles from Leamington. A 50-mile radius around Leamington takes in 36 places that are larger. The 100-mile radius contains 122 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 Leamington 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 Leamington is the same as anywhere in Utah.
What loan size can I expect in Leamington?
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 Leamington?
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 Leamington 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

Related