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.
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.
- Population: a Census-estimated 514, 191st among Utah's 255 places (Vintage 2023).
- Population trend: A decline of about 0.2% across the 2020-to-2023 comparison.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: roughly 25% of Utah places rank below Loa.
- Population density: about 541 people per square mile (Census land area 0.9 sq mi).
- Land area: Loa covers 0.9 square miles, the 221st-largest area among Utah's 255 places.
- Share of state population: Loa's 514 residents are about 0.0% of Utah.
- National rank: Loa sits 13,052nd by population among the 19,457 places in this dataset.
- Growth in Utah: Loa stands 207th by percentage change from 2020 to 2023, among 255 places.
- State comparison: Utah's places average +5.3% for 2020-to-2023, against Loa's 0.2%.
- Density in Utah: Loa ranks 151st by people per square mile.
- Density vs Utah: Loa's 541 people per square mile compare with a state median of 705.
- Location: 38.4038, -111.6451 (US Census Bureau Gazetteer).
- Nearest larger cities: Monroe (30 mi); Annabella (31 mi); Central Valley (32 mi); Elsinore (33 mi); Richfield (35 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Lyman (3 mi); Bicknell (7 mi); Torrey (14 mi).
- Smaller neighbours: 13 places smaller than Loa sit within 50 miles.
- Within 100 miles: 45 places are larger than Loa.
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.
| 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 |
| Payday lending status | Legal; 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 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 |
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.
Common questions
What are my options in Loa if my credit is poor?
What loan size can I expect in Loa?
Do I have to pledge anything to borrow in Loa?
Does comparing loans in Loa cost me credit score points?
Nearby places
- Lyman, UT — population 214
- Bicknell, UT — population 328
- Torrey, UT — population 257
- Koosharem, UT — population 310
- Antimony, UT — population 125
- Glenwood, UT — population 489
- Annabella, UT — population 877
- Monroe, UT — population 2,685