Payson, UT · West · Allowed
Payday loans in Payson
Payson is governed by Utah's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Utah. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Payson
19,810 residents · Utah County Median household income is $60,048 — below the Utah median of $66,486.
| Nearest storefronts | Town | Phone |
|---|---|---|
| AMIGO Loan | Spanish Fork 6 mi | (801) 615-5776 |
| Security Finance | Spanish Fork 6 mi | (801) 794-0760 |
| 1st Choice Money Center | Provo 14 mi | (801) 373-2049 |
| Capital Community Bank | Provo 14 mi | (801) 356-6699 |
| Security Finance | Orem 18 mi | (801) 434-7146 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Utah page before visiting. Spot an error? Report it.
The online route in Payson
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Utah follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Utah regulator.
The rules behind the numbers
Deferred deposit loans are high-cost loans without interest rate caps, intended for short-term financial emergencies only.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 521% - 652% APR. Every compliant lender in Payson has to fit inside that schedule.
Statute: Utah Code § 7-23-101 et seq.
Regulator: Utah Department of Financial Institutions · dfi.utah.gov
Questions people ask in Payson
Are payday loans legal in Payson, UT?
Yes. Storefront payday lending is permitted across Utah, and Payson runs under the same state rules: maximum loan No fixed dollar cap, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Payson?
The same as anywhere in Utah: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Payson?
Our 2022-02-20 directory snapshot lists no storefront lenders in Payson — the closest listed locations are in Spanish Fork, Provo, Orem.
Who regulates lenders in Payson?
Complaints about a lender go to the Utah Department of Financial Institutions (dfi.utah.gov) — keep the loan agreement and every fee disclosure you were given.