- Payday loans in Sterling 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 64 miles away.
Sterling at a glance
| Sterling | |
|---|---|
| Population (2024 Census estimate) | 300 |
| Change since 2020 | +8.7% (growing fast) |
| County | Sanpete County |
| Size rank among 230 Utah places we cover | 222nd |
| Nearest larger city | Spanish Fork (about 64 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sanpete County | 3 |
| Other towns within 25 miles | 13 (about 23,774 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Payday lending in Sterling follows Utah state law. Lenders that serve Sterling, in a store or online, must be licensed by the Utah Department of Financial Institutions.
Credit unions near Sterling
No credit union has its main office in Sterling, but these are based elsewhere in Sanpete County (NCUA, June 2026):
- North Sanpete Federal Credit Union in Fairview (federal charter — may offer payday alternative loans (PALs))
- Utah Heritage Credit Union in Moroni (state charter)
- South Sanpete Credit Union in Manti (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Sterling
The main Utah rules for a payday loan in Sterling: 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 Sterling
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 Sanpete County before you borrow
- Call or text 211 for help with rent, utilities and food in Sanpete 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 Sterling
The nearest larger city is Spanish Fork, about 64 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 Sterling?
Yes. Payday loans are legal in Sterling under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Sterling?
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 Sterling?
No credit union is headquartered in Sterling, but North Sanpete Federal Credit Union is based in Fairview, also in Sanpete 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