Payday Loans in Manila, UT: Rules, Costs and Local Options

Manila at a glance

Payday lending in Manila follows Utah state law. Lenders that serve Manila, in a store or online, must be licensed by the Utah Department of Financial Institutions.

Credit unions near Manila

NCUA data (June 2026) shows no credit union headquartered in Manila or Daggett County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.

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 Manila

The main Utah rules for a payday loan in Manila: 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 Manila

Utah law sets no cap on payday loan fees, so prices vary widely by lender. Statewide, the typical APR on a $400 payday loan was 543% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.

Other help in Daggett County before you borrow

• Call or text 211 for help with rent, utilities and food in Daggett 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 Manila

• Vernal · 39 mi
• Naples · 41 mi
• Ballard · 50 mi
• Roosevelt · 51 mi
• Altamont · 53 mi
• Myton · 58 mi

The nearest larger city is Bountiful, about 112 miles away. See all 230 Utah cities.

Frequently asked questions