- Payday loans in Santaquin 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 Spanish Fork, about 13 miles away.
Santaquin at a glance
| Santaquin | |
|---|---|
| Population (2024 Census estimate) | 18,394 |
| Change since 2020 | +32.4% (growing fast) |
| Counties | Juab County and Utah County |
| Size rank among 230 Utah places we cover | 50th |
| Share of Utah’s population | 0.5% |
| Nearest larger city | Spanish Fork (about 13 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 7 |
| Other towns within 25 miles | 17 (about 384,326 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Whether you borrow at a storefront in Spanish Fork or online from Santaquin, the lender must hold a Utah license from the Utah Department of Financial Institutions and follow state limits.
Credit unions near Santaquin
No credit union has its main office in Santaquin, but these are based elsewhere in Juab County (NCUA, June 2026):
- Nephi Western Employees Federal Credit Union in Nephi (federal charter — may offer payday alternative loans (PALs))
- Utah Community Federal Credit Union in Provo (federal charter — may offer payday alternative loans (PALs))
- C U P Federal Credit Union in Provo (federal charter — may offer payday alternative loans (PALs))
- Orem City Employees Federal Credit Union in Orem (federal charter — may offer payday alternative loans (PALs))
- Alpine Federal Credit Union in Orem (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 Santaquin
Key Utah limits that apply to Santaquin borrowers: 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 Santaquin
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 Juab County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Santaquin that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Santaquin
The nearest larger city is Spanish Fork, about 13 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 Santaquin?
Yes. Payday loans are legal in Santaquin under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Santaquin?
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 Santaquin?
No credit union is headquartered in Santaquin, but Nephi Western Employees Federal Credit Union is based in Nephi, also in Juab 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