- Payday loans in Millcreek 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 Salt Lake, about 8 miles away.
Millcreek at a glance
| Millcreek | |
|---|---|
| Population (2024 Census estimate) | 64,217 |
| Change since 2020 | +0.8% (holding steady) |
| County | Salt Lake County |
| Size rank among 230 Utah places we cover | 12th |
| Share of Utah’s population | 1.8% |
| Nearest larger city | Salt Lake (about 8 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Salt Lake County | 19 |
| Other towns within 25 miles | 42 (about 1,615,107 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
There is no separate Millcreek payday law: Utah rules apply here, and any lender serving Millcreek residents, online or in person, needs a license from the Utah Department of Financial Institutions.
Credit unions near Millcreek
No credit union has its main office in Millcreek, 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.
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Payday loan rules that apply in Millcreek
In short, Utah rules that cover Millcreek include: 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 Millcreek
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 Salt Lake County before you borrow
Before a payday loan, Millcreek residents can usually find something cheaper:
- Local assistance through 211 covering Salt Lake County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Millcreek
- Holladay · 2 mi
- South Salt Lake · 4 mi
- Murray · 4 mi
- Cottonwood Heights · 5 mi
- Midvale · 6 mi
- Taylorsville · 7 mi
The nearest larger city is Salt Lake, 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 Millcreek?
Yes. Payday loans are legal in Millcreek under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Millcreek?
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 Millcreek?
No credit union is headquartered in Millcreek, 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