Personal loans in Mapleton, UT
The first question in Mapleton is not the rate on offer but whether the payment fits; about 13,732 people live here under Utah lending law. A 2020-to-2023 comparison shows Mapleton up by about 20.9%. An estimated 13,732 people make their home in Mapleton, a figure that ranks 56th in Utah. Verify the lender's Utah licence against the regulator named below before borrowing in Mapleton. Consumer lending that reaches Mapleton's 13,732 residents is governed by Utah statute; no city ordinance changes it. The nearest larger metro is Spanish Fork, UT about 4 miles away.
Borrowing in Mapleton: the local picture
What follows is Mapleton's place in the Census record, alongside the Utah rules that govern a personal loan made here.
- Population: about 13,732 people live here, which puts Mapleton 56th of 255 Census places in Utah (Vintage 2023).
- Population trend: Up about 20.9% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 2,370 more since the 2020 base.
- Size percentile: about 78% of Utah's Census places are smaller than Mapleton.
- Land and density: 13.3 square miles of land carry roughly 1,029 residents per square mile.
- Land area rank: Mapleton's 13.3 square miles rank 48th of 255 places in Utah.
- Share of state population: Mapleton's 13,732 residents are about 0.4% of Utah.
- National rank: Mapleton is the 2,520th most populous of the 19,457 Census places covered here.
- Growth rank: Mapleton ranks 9th among Utah's 255 places for the 2020-to-2023 change.
- Versus Utah: the state average change is +5.3%, while Mapleton moved 20.9%.
- Density rank: Mapleton places 99th among Utah's places by people per square mile.
- Density in context: Mapleton's 1,029 people per square mile sit against a Utah median of 705.
- Location: 40.1188 / -111.5742, per the US Census Bureau Gazetteer.
- Nearest larger cities: Spanish Fork (4 mi); Springville (4 mi); Provo (10 mi); Payson (10 mi); Orem (14 mi). Living near a larger metro rarely changes what is available in Mapleton.
- Nearest smaller places: Salem (7 mi); Woodland Hills (8 mi); Elk Ridge (9 mi).
- Within a 50-mile radius: 43 smaller Census places.
- Larger places within 100 miles: 49.
Getting a loan in Mapleton
At roughly 1,029 people per square mile, Mapleton is moderately settled; 32 larger places lie within 50 miles. A Utah licence lets a lender serve Mapleton without a local office, so branch density does not change what its 13,732 residents are offered. The nearest bigger place is Spanish Fork, UT about 4 miles away.
Where Mapleton sits in Utah
Against Utah's other places, Mapleton accounts for about 0.4% of the state's population and ranks 56th of 255 by size. On the 2020-to-2023 trend, Mapleton stands 9th among Utah's 255 places — roughly the 96th percentile. At about 1,029 people per square mile, Mapleton is the 99th most densely settled place in Utah. Within 50 miles sit 43 smaller Census places, alongside the 32 that are larger.
Which Utah laws govern a loan in Mapleton
This table holds the Utah rate and licensing rules for consumer loans made to Mapleton's 13,732 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 |
| 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 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 |
What a Mapleton borrower is actually offered
With roughly 13,732 residents, Mapleton is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Mapleton lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Mapleton loan but raises total interest, so the smallest payment is not the cheapest loan.
The geography behind Mapleton
The Census Gazetteer records about 13.3 square miles of land within Mapleton, with no significant water area listed. That land carries about 1,029 people per square mile. Salt Lake City, the largest place in Utah, is about 49 miles from Mapleton. Mapleton has 32 larger places within a 50-mile radius. The 100-mile radius contains 49 larger places.
Common questions
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Nearby places
- Springville, UT — population 35,471
- Spanish Fork, UT — population 45,557
- Salem, UT — population 10,725
- Woodland Hills, UT — population 1,571
- Provo, UT — population 113,343
- Elk Ridge, UT — population 4,925
- Payson, UT — population 24,054
- Orem, UT — population 95,519