Loans in Cache County, UT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cache County, UT.
The median household in Cache County earns $81,665 a year, 14% below the Utah median of $95,166. About 12% of residents live below the federal poverty line, and 36.3% of households rent their home.
What you need for a payday loan in Cache County
Here's what to have on hand before you start your payday loan request in Cache County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Cache County
What Cache County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Cache County
Payday Loans Legal
Payday loans (called deferred deposit loans) are legal in Utah from lenders registered with the Department of Financial Institutions under the Check Cashing and Deferred Deposit…
Personal Loans
No rate cap: parties may agree to any finance charge; lenders must notify DFI.
Title Loans Legal
Title loans are legal in Utah from lenders registered with DFI under the Title Lending Registration Act.
Banks and credit unions in Cache County
Banks with branches in Cache County
24 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Cache Valley Bank | 7 | 101 N Main St, Logan 84321 |
| Zions Bancorporation, N.A. | 4 | 488 N Main St, Logan 84321 |
| Glacier Bank | 3 | 17 E Center St, Lewiston 84320 |
| Wells Fargo Bank, National Association | 2 | 575 E 1400 N, Logan 84341 |
| Bank of Utah | 2 | 5 E 1400 N, Logan 84341 |
| JPMorgan Chase Bank, National Association | 2 | 750 N Main St, Logan 84321 |
| KeyBank National Association | 1 | 280 N Main St, Logan 84321 |
| WaFd Bank | 1 | 399 N Main St, Logan 84321 |
| U.S. Bank National Association | 1 | 442 N 175 E, Logan 84321 |
| D. L. Evans Bank | 1 | 944 S Highway 89, Logan 84321 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cache County
19 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 1425 N 200 E, Logan 84341 |
| Goldenwest | 198 N Main St, Logan 84321 |
| Deseret First | 1610 N Main St, Logan 84341 |
| America First | 780 E Main St, Hyrum 84319 |
| Elevate | 740 S Main St, Logan 84321 |
| Members First | 49 N Highway 165, Providence 84332 |
| New Heights | 72 E 700 N, Logan 84321 |
| Logan Medical | 500 E 1400 N, Logan 84341 |
| Presto Lewiston Employees | 1110 E 200 S, Lewiston 84320 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cache County
Frequently asked questions
Are payday loans legal in Cache County?
Cache County follows Utah law. Payday loans (called deferred deposit loans) are legal in Utah from lenders registered with the Department of Financial Institutions under the Check Cashing and Deferred Deposit Lending Registration Act.
Are title loans legal in Cache County?
Title loans are legal in Utah from lenders registered with DFI under the Title Lending Registration Act.
Where can I get a small loan in Cache County?
Options include 24 bank and 19 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Cache County?
Fill out our short online form from anywhere in Cache County. We share it with lenders in our network that serve Utah; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Cache County?
Yes. When an unexpected bill comes up, Cache County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Cache County, UT?
You can apply at banks, credit unions and lenders in Cache County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Utah residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Cache County?
Yes. You don't need to visit a branch or storefront anywhere in Cache County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Utah. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Cache County with bad credit?
Yes, many lenders in our network work with Cache County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.