Personal loans in Paragonah, UT
For a borrower among the roughly 562 residents of Paragonah, a personal loan is a tool whose cost turns on the terms, not the address. Population in Paragonah climbed about 4.5% over the three years from 2020 to 2023. At about 562 residents, Paragonah is larger than roughly 27% of the places in Utah. Compare APR, not the interest rate, because the APR folds in most fees on a Paragonah loan. Consumer lending that reaches Paragonah's 562 residents is governed by Utah statute; no city ordinance changes it. The closest larger place is Parowan, UT about 5 miles away.
The Paragonah data picture
Only a few things actually differ by place — population, area, location, and the Utah rules a lender must follow — and they are below.
- Population: 562 people, a figure that places Paragonah 187th among the 255 Census places in Utah (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 4.5% since the 2020 count.
- Absolute change: 24 residents added between 2020 and 2023.
- Size percentile: roughly 27% of Utah places rank below Paragonah.
- Population density: 812 people per square mile on 0.7 square miles of land.
- By land area: Paragonah ranks 238th among Utah's 255 places, at 0.7 sq mi.
- State population share: Paragonah accounts for about 0.0% of everyone in Utah.
- National rank: Paragonah sits 12,690th by population among the 19,457 places in this dataset.
- Growth rank: Paragonah's 2020-to-2023 change ranks 119th of 255 places in Utah.
- Versus Utah: the state average change is +5.3%, while Paragonah moved 4.5%.
- Density rank: Paragonah places 117th among Utah's places by people per square mile.
- Against the state median: Paragonah runs about 812 residents per square mile, where the Utah median is 705.
- Location: it lies at 37.8854, -112.7711 in the Census Gazetteer.
- Nearest larger cities: Parowan (5 mi); Enoch (17 mi); Panguitch (19 mi); Cedar City (23 mi); Minersville (27 mi). Living near a larger metro rarely changes what is available in Paragonah.
- Nearest smaller places: Brian Head (14 mi); Hatch (25 mi); Kanarraville (33 mi).
- Smaller places within 50 miles: 15 of them.
- At 100 miles: 36 larger Census places fall inside that radius.
A pre-application checklist for Paragonah
Before you hand your details to a lender in Paragonah, where the population is near 562:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Utah licence with the regulator listed on this page.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
The process is identical across Utah; what changes is your credit file, not the fact that Paragonah holds 562 people.
How Paragonah compares across Utah
Among Utah's 255 places, Paragonah sits at 187th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 119th of 255 Utah places, putting it near the 53th percentile for growth. At about 812 people per square mile, Paragonah is the 117th most densely settled place in Utah. Within 50 miles sit 15 smaller Census places, alongside the 8 that are larger.
The geography behind Paragonah
Paragonah covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 812 people per square mile. Salt Lake City, the largest place in Utah, is about 205 miles from Paragonah. A 50-mile radius around Paragonah takes in 8 places that are larger. By land area it ranks 238th of 255 Utah places.
Getting a loan in Paragonah
Paragonah is a moderately settled community of about 562 people, with 8 larger places inside a 50-mile radius. Distance to a branch rarely matters for Paragonah's 562 residents: the application is online and the price follows your credit file. The nearest larger city, Parowan, UT about 5 miles away.
The Utah lending rules that reach Paragonah
Read the table as a lender's compliance picture for Paragonah: 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 |
| 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 |
| 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 |
Common questions
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Nearby places
- Parowan, UT — population 3,181
- Brian Head, UT — population 157
- Enoch, UT — population 8,336
- Panguitch, UT — population 1,797
- Cedar City, UT — population 39,942
- Hatch, UT — population 138
- Beaver, UT — population 3,676
- Minersville, UT — population 847