- Payday loans in Morgan 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.
- 1 credit union is headquartered in Morgan; ask about small-dollar loans before borrowing.
Morgan at a glance
| Morgan | |
|---|---|
| Population (2024 Census estimate) | 4,553 |
| Change since 2020 | +9.6% (growing fast) |
| County | Morgan County |
| Size rank among 230 Utah places we cover | 96th |
| Nearest larger city | Farmington (about 12 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Morgan County | 1 |
| Other towns within 25 miles | 30 (about 819,872 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Payday lending in Morgan follows Utah state law. Lenders that serve Morgan, in a store or online, must be licensed by the Utah Department of Financial Institutions.
Credit unions in Morgan
These credit unions have their main office in Morgan, according to NCUA call report data (June 2026):
- Devils Slide Federal Credit Union (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 Morgan
The main Utah rules for a payday loan in Morgan: 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 Morgan
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 Morgan County before you borrow
- Call or text 211 for help with rent, utilities and food in Morgan 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 Morgan
- Henefer · 10 mi
- Fruit Heights · 12 mi
- Farmington · 12 mi
- Centerville · 13 mi
- Kaysville · 14 mi
- Layton · 15 mi
The nearest larger city is Farmington, about 12 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 Morgan?
Yes. Payday loans are legal in Morgan under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Morgan?
Utah law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 543% in 2023.
Are there credit unions in Morgan?
Yes. NCUA data lists 1 credit union with a main office in Morgan, including Devils Slide Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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