Payday Loans in Joseph, Utah

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No payday loan companies in Joseph, UT. Consider companies in other cities:

Company nameAddressZip codePhone number
Cash Store 870 West 1150 South Ste C, Brigham City, UT 84302 +1 (435) 723 - 4800
QC Finance: Payday Loans, Title Loans, Installment Loans, Checks Cashed 948 West 1150 South, Brigham City, UT 84302 +1 (435) 723 - 6093
Advance Til Payday 770 E Main St, Lehi, UT 84043
Bank of Utah 80 E 800 S, Brigham City, UT 84302 +1 (435) 723 - 9313
Chartway Federal Credit Union 430 E Main St, Grantsville, UT 84029 +1 (800) 678 - 8765
America First Credit Union inside Walmart 1356 UT-193, Layton, UT 84040 +1 (800) 999 - 3961
Discount Title Loans 7225 700 W, Midvale, UT 84047 +1 (801) 256 - 9517
USA Cash Services 2 UT-165 Suite 102, Providence, UT 84332 +1 (435) 787 - 0777
1st Choice Money Center 948 N State St, Orem, UT 84057 +1 (801) 221 - 8898
San Juan Credit Union 296 E Center St, Monticello, UT 84535 +1 (435) 587 - 3399

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Joseph, UT, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bountiful, UT, Guaranteed Loans in Cedar City, UT, Payday Loans in Clearfield, UT, Payday Loans in Draper, UT, 24-Hour Loan in Herriman, UT, No Credit Check Loans in Kaysville, UT, Short-term Loans in Layton, UT and Payday Loans in Lehi, UT. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Joseph, UT.

Beautiful sights of Joseph, UT

Payday Loans Available in Joseph, UT By The Following ZIP Codes:

84739

Are Payday Loans Legal In Joseph, Utah?

Loan Rates and Fees, Laws and Regulations in Utah.

Utah Loan Regulations

Legal StatusLegal (Applies to check cashers only)
Interest Rate (APR, %)658
Maximum Loan AmountNo Limit
Minimum Loan TermNot Specified
Maximum Loan Term70 days (10 weeks)
Number of Rollovers AllowedNot specified
Finance ChargesNot specified

Joseph, UT payday loan calculator

Exploring Payday Loans in Joseph, Utah: What You Should Know

In Utah, payday loans are legal, but only applies to check cashers. Although they can provide temporary financial relief, they come with high interest rates and fees. It’s important to fully understand how they work and the potential risks before considering one for yourself.

What are payday loans?

Payday loans are a type of short-term loan often used to cover unforeseen expenses or emergencies. They generally have a term of two weeks, with the due date falling on the borrower’s next payday. Borrowers typically provide the lender with a post-dated check or authorize an electronic debit for the amount of the loan plus fees and interest.

How do payday loans work?

The borrower writes a post-dated check or authorizes an electronic debit for the loan amount plus fees and interest. On the borrower’s payday, the lender cashes the check or debits the borrower’s account for repayment. If the borrower can’t repay the loan on the due date, they may be able to extend the loan for an additional fee, leading to a cycle of debt.

Are payday loans legal in Joseph, Utah?

Yes, payday loans are legal in Joseph, Utah. However, the state has regulations in place to protect borrowers. This includes limits on the amount you can borrow, as well as restrictions on fees and interest rates.

What are the fees and interest rates for payday loans in Joseph, Utah?

In Utah, lenders are allowed to charge interest rates up to 459% on payday loans, with a maximum loan amount of $1,000. The fees are also capped at 10% of the loan amount. For example, on a $500 loan, the maximum fee would be $50.

What are the risks of payday loans?

Payday loans come with high interest rates and fees, making it easy for borrowers to get stuck in a cycle of debt. When the borrower can’t repay the loan on the due date, they often roll over the loan for an additional fee, making it even more difficult to pay off the debt. This can lead to a cycle of debt that can be difficult to break out of.

Alternatives to payday loans

  • Credit counseling: A credit counselor can help you develop a budget and create a plan to repay your debts.
  • Installment loans: These loans allow you to borrow a larger amount of money over a longer term, with fixed payments.
  • Credit cards: If you have good credit, a credit card can be a more affordable alternative to payday loans.

Applying for a payday loan on TheGuaranteedLoans

TheGuaranteedLoans website is a connector service that pairs borrowers with potential lenders. When you apply on our website, we’ll ask for basic personal and financial information, and we’ll share that with potential lenders in our network. If a lender is interested in working with you, they’ll reach out to you directly with their loan offer. Keep in mind that TheGuaranteedLoans is not a direct lender and does not provide payday loans. Instead, we aim to connect borrowers with potential lenders. If you’re interested in applying, visit our website and submit your application today.

Interesting Facts and Statistics about Payday Loans in Joseph, Utah

  • In Utah, about 12.6% of adults have used a payday loan in the past five years.
  • The average payday loan in Utah is $408, with an average fee of $53.16.
  • As of 2019, there were more than 250 payday loan stores in Utah, with more than four payday loan stores for every McDonald’s restaurant in the state.

Conclusion

Payday loans can offer temporary financial relief, but they come with high interest rates and fees that can make it difficult to repay the loan on time. It’s important to fully understand the risks before considering a payday loan. If you’re in need of financial assistance, consider exploring alternative options and always compare rates and fees from several lenders before making a decision. As always, be sure to read the fine print and understand the terms and conditions of any loan before signing on the dotted line.

Apply Now on TheGuaranteedLoans

If you’re considering a payday loan, visit TheGuaranteedLoans website today to fill out an application and connect with potential lenders. Remember, we’re a connector service, not a direct lender, and we aim to pair borrowers with potential lenders that may be able to offer the financial assistance you need. Apply now and see if you qualify for a payday loan today!

F.A.Q.

Are there any alternatives to payday loans in Joseph, Utah?

Yes, there are several alternatives to payday loans in Joseph, Utah, such as small personal loans from banks or credit unions, borrowing from friends or family, or seeking assistance from non-profit organizations. It is important to carefully consider all options and choose the one that is best for your financial situation.

What is the maximum amount I can borrow with a payday loan in Joseph, Utah?

The maximum amount you can borrow with a payday loan in Joseph, Utah is $1,000.