- Payday loans in Garland 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 Logan, about 17 miles away.
Garland at a glance
| Garland | |
|---|---|
| Population (2024 Census estimate) | 2,772 |
| Change since 2020 | +6.9% (growing fast) |
| County | Box Elder County |
| Size rank among 230 Utah places we cover | 109th |
| Nearest larger city | Logan (about 17 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Box Elder County | 2 |
| Other towns within 25 miles | 32 (about 187,362 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Payday lending in Garland follows Utah state law. Lenders that serve Garland, in a store or online, must be licensed by the Utah Department of Financial Institutions.
Credit unions near Garland
No credit union has its main office in Garland, but these are based elsewhere in Box Elder County (NCUA, June 2026):
- Elevate Federal Credit Union in Brigham City (federal charter — may offer payday alternative loans (PALs))
- Members First Credit Union in Brigham City (state charter)
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 Garland
The main Utah rules for a payday loan in Garland: 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 Garland
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 Box Elder County before you borrow
- Call or text 211 for help with rent, utilities and food in Box Elder County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Garland
The nearest larger city is Logan, about 17 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 Garland?
Yes. Payday loans are legal in Garland under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Garland?
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 Garland?
No credit union is headquartered in Garland, but Elevate Federal Credit Union is based in Brigham City, also in Box Elder 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