- Payday loans in Joseph 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 Cedar, about 81 miles away.
Joseph at a glance
| Joseph | |
|---|---|
| Population (2024 Census estimate) | 306 |
| Change since 2020 | +6.3% (growing fast) |
| County | Sevier County |
| Size rank among 230 Utah places we cover | 220th |
| Nearest larger city | Cedar (about 81 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sevier County | 1 |
| Other towns within 25 miles | 12 (about 18,836 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Payday lending in Joseph follows Utah state law. Lenders that serve Joseph, in a store or online, must be licensed by the Utah Department of Financial Institutions.
Credit unions near Joseph
No credit union has its main office in Joseph, but these are based elsewhere in Sevier County (NCUA, June 2026):
- S E A Credit Union in Richfield (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.
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Payday loan rules that apply in Joseph
The main Utah rules for a payday loan in Joseph: 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 Joseph
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 Sevier County before you borrow
- Call or text 211 for help with rent, utilities and food in Sevier 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 Joseph
- Monroe · 5 mi
- Elsinore · 6 mi
- Central Valley · 8 mi
- Annabella · 10 mi
- Richfield · 12 mi
- Marysvale · 13 mi
The nearest larger city is Cedar, about 81 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 Joseph?
Yes. Payday loans are legal in Joseph under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Joseph?
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 Joseph?
No credit union is headquartered in Joseph, but S E A Credit Union is based in Richfield, also in Sevier 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