Personal loans in Loa, UT

Loa, Utah — home to about 514 people — is a small community, so the terms you are offered follow Utah law rather than any local rule. Loa is one of 255 Census places in Utah; its 514 residents put it at 191st.

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.

A larger market lies at Monroe, UT about 30 miles away. The 2020 count to the 2023 estimate shows about 0.2% decline in Loa. Every figure below is Utah's own, applied to Loa's 514 residents, with the publisher and retrieval date attached. Verify the lender's Utah licence against the regulator named below before borrowing in Loa.

Loa by the numbers

Only a few things actually differ by place — population, area, location, and the Utah rules a lender must follow — and they are below.

Borrowing reach in Loa

With about 541 residents per square mile, Loa is moderately settled, and 11 larger Census places sit within 50 miles. A Utah licence lets a lender serve Loa without a local office, so branch density does not change what its 514 residents are offered. The nearest bigger place is Monroe, UT about 30 miles away.

Where Loa sits in Utah

Within Utah, Loa holds roughly 0.0% of all residents, the 191st-largest share among 255 places. Its 2020-to-2023 change ranks 207th of 255 Utah places, putting it near the 19th percentile for growth. Its roughly 541 residents per square mile place it 151st among Utah's places. By land area, its 0.9 square miles rank 221st of 255 places in Utah.

How personal loans work in Loa

Most loans made to Loa's 514 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Loa loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Loa loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Utah lending rules that reach Loa

Read the table as a lender's compliance picture for Loa: the rule, the sourced figure, the publisher and the date.

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
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
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

Loa on the map

Loa's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 541 residents per square mile. The state's population centre of gravity, Salt Lake City, is roughly 165 miles away. Counting outward 50 miles, 11 larger communities surround Loa. The 100-mile radius contains 45 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 Loa 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 Loa is the same as anywhere in Utah.
What loan size can I expect in Loa?
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 Loa?
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 Loa 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