- Payday loans in Emigration Canyon metro township follow Utah law (Utah Code Title 7, Chapter 23 (Deferred Deposit Lending)).
- Utah law sets no cap on payday loan fees, so prices vary widely by lender.
- The nearest larger city is Millcreek, about 8 miles away.
Emigration Canyon metro township at a glance
| Emigration Canyon metro township | |
|---|---|
| Population (2024 Census estimate) | 1,572 |
| Change since 2020 | +7.3% (growing fast) |
| County | Salt Lake County |
| Size rank among 230 Utah places we cover | 134th |
| Nearest larger city | Millcreek (about 8 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Salt Lake County | 19 |
| Other towns within 25 miles | 37 (about 1,431,716 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Whether you borrow at a storefront in Millcreek or online from Emigration Canyon metro township, the lender must hold a Utah license from the Utah Department of Financial Institutions and follow state limits.
Credit unions near Emigration Canyon metro township
No credit union has its main office in Emigration Canyon metro township, but these are based elsewhere in Salt Lake County (NCUA, June 2026):
- Utah First Federal Credit Union in Salt Lake City (federal charter — may offer payday alternative loans (PALs))
- Ridgeline Federal Credit Union in Salt Lake City (federal charter — may offer payday alternative loans (PALs))
- American United Federal Credit Union in West Jordan (federal charter — may offer payday alternative loans (PALs))
- Lu 354 I B E W Federal Credit Union in Salt Lake City (federal charter — may offer payday alternative loans (PALs))
- Gibbons And Reed Employees Federal Credit Union in Salt Lake City (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Emigration Canyon metro township
Key Utah limits that apply to Emigration Canyon metro township borrowers: loan amount and fees: no statutory cap; maximum interest period: 10 weeks; no interest or fees after that; extended payment plan: after 10 weeks you can ask for an extended payment plan with no extra interest or fees. See the full Utah payday loan rules.
What a $300 loan costs in Emigration Canyon metro township
The Center for Responsible Lending put the typical APR on a $400 payday loan in Utah at 543% (June 2023). Utah law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in Salt Lake County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Emigration Canyon metro township that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Emigration Canyon metro township
- Millcreek · 8 mi
- Bountiful · 9 mi
- Holladay · 10 mi
- Salt Lake · 10 mi
- South Salt Lake · 10 mi
- North Salt Lake · 10 mi
The nearest larger city is Millcreek, about 8 miles away. See all 230 Utah cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Emigration Canyon metro township?
Yes. Payday loans are legal in Emigration Canyon metro township under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Emigration Canyon metro township?
Utah law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 543% in 2023.
Where is the nearest credit union to Emigration Canyon metro township?
No credit union is headquartered in Emigration Canyon metro township, but Utah First Federal Credit Union is based in Salt Lake City, also in Salt Lake County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Utah Code 7-23-401
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary