- Payday loans in Vineyard 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 Orem, about 3 miles away.
Vineyard at a glance
| Vineyard | |
|---|---|
| Population (2024 Census estimate) | 16,077 |
| Change since 2020 | +24.5% (growing fast) |
| County | Utah County |
| Size rank among 230 Utah places we cover | 53rd |
| Nearest larger city | Orem (about 3 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Utah County | 6 |
| Other towns within 25 miles | 38 (about 1,356,629 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
There is no separate Vineyard payday law: Utah rules apply here, and any lender serving Vineyard residents, online or in person, needs a license from the Utah Department of Financial Institutions.
Credit unions near Vineyard
No credit union has its main office in Vineyard, but these are based elsewhere in Utah County (NCUA, June 2026):
- 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))
- Freedom Credit Union in Provo (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.
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Payday loan rules that apply in Vineyard
In short, Utah rules that cover Vineyard 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 Vineyard
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 Utah County before you borrow
Before a payday loan, Vineyard residents can usually find something cheaper:
- Local assistance through 211 covering Utah 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 Vineyard
The nearest larger city is Orem, about 3 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 Vineyard?
Yes. Payday loans are legal in Vineyard under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Vineyard?
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 Vineyard?
No credit union is headquartered in Vineyard, but Utah Community Federal Credit Union is based in Provo, also in Utah 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