Personal loans in Perry, UT

For a borrower among the roughly 5,936 residents of Perry, a personal loan is a tool whose cost turns on the terms, not the address. Read the disclosure for an origination fee and any prepayment penalty before signing in Perry.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

By population, Perry sits at 88th in Utah, with an estimated 5,936 residents. Consumer lending that reaches Perry's 5,936 residents is governed by Utah statute; no city ordinance changes it. The trend for Perry between 2020 and 2023 is upward by roughly 6.9%. Borrowers who want a bigger city can look to Brigham City, UT about 3 miles away.

Perry by the numbers

The figures below are Perry's own — Census population, land area and coordinates — followed by the Utah rules.

A practical checklist for Perry borrowers

These steps shape the offer you get in Perry, a place of about 5,936 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Utah regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Perry and the rest of Utah is not the process but the borrower's own file, among the 5,936 people here.

Inside a Perry personal loan

A Perry personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 5,936 residents. Federal Truth in Lending rules require a Perry lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Perry loan is knowable in advance — unlike a revolving card balance.

Perry: area, density and distance

Perry's land area is roughly 8.0 square miles, and the Gazetteer records no significant water area within it. With 5,936 residents, the land area yields roughly 741 people per square mile. Salt Lake City, the largest place in Utah, is about 48 miles from Perry. Perry has 36 larger places within a 50-mile radius. By land area it ranks 91st of 255 Utah places.

How Perry compares across Utah

Perry is the 88th-largest of 255 Census places in Utah and contains about 0.2% of the state's people. For population change between 2020 and 2023, Perry ranks 71st of 255 in Utah (about the 72th percentile). At about 741 people per square mile, Perry is the 124th most densely settled place in Utah. In land area, Perry ranks 91st among Utah's 255 places.

Utah rules behind a Perry personal loan

This table holds the Utah rate and licensing rules for consumer loans made to Perry's 5,936 residents.

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
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
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
Compare personal loan offers Run the numbers first

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 Perry 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 Perry is the same as anywhere in Utah.
What loan size can I expect in Perry?
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 Perry?
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 Perry 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.

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