Loans in Davis County, UT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Davis County, UT.
The median household in Davis County earns $110,884 a year, 17% above the Utah median of $95,166. About 6% of residents live below the federal poverty line, and 22.7% of households rent their home.
What you need for a payday loan in Davis County
Here's what to have on hand before you start your payday loan request in Davis 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 Davis County
What Davis County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Davis 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 Davis County
Banks with branches in Davis County
47 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 8 | 300 N Union Ave, Farmington 84025 |
| Zions Bancorporation, N.A. | 8 | 5 N Main St, Bountiful 84010 |
| Glacier Bank | 6 | 12 S Main St, Layton 84041 |
| U.S. Bank National Association | 4 | 278 S 500 W, Bountiful 84010 |
| Bank of America, National Association | 4 | 792 W Hill Field Rd, Layton 84041 |
| JPMorgan Chase Bank, National Association | 3 | 510 S 200 W, Bountiful 84010 |
| KeyBank National Association | 3 | 562 S Main St, Bountiful 84010 |
| Cache Valley Bank | 3 | 1333 N Hill Field Rd, Layton 84041 |
| Bank of Utah | 2 | 717 W Antelope Dr, Layton 84041 |
| BMO Bank National Association | 1 | 683 W Antelope Dr, Layton 84041 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Davis County
50 credit-union locations from 15 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 955 W Antelope Dr, Layton 84041 |
| Goldenwest | 1268 N Hill Field Rd, Layton 84041 |
| Cyprus | 221 W Parrish Ln, Centerville 84014 |
| Canyon View | 1535 N Main St, Bountiful 84010 |
| Deseret First | 260 N 500 W, Bountiful 84010 |
| Granite | 580 S State St, Clearfield 84015 |
| America First | 48 N 500 W, Bountiful 84010 |
| Security Service | 95 E 500 S, Bountiful 84010 |
| Chevron | 273 W 500 S, Bountiful 84010 |
| Northrop Grumman | Clearfield Freeport Center, Bldg A-15, Clearfield 84016 |
| Utah First | 1520 S 500 W, Woods Cross 84010 |
| Horizon Utah | 225 S 200 W, Farmington 84025 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Davis County
Frequently asked questions
Are payday loans legal in Davis County?
Davis 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 Davis 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 Davis County?
Options include 47 bank and 50 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 Davis County?
Fill out our short online form from anywhere in Davis 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 a loan in Davis County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Davis County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Davis County, UT?
You can apply at banks, credit unions and lenders in Davis 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 Davis County?
Yes. You don't need to visit a branch or storefront anywhere in Davis 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 Davis County with bad credit?
Yes, many lenders in our network work with Davis 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.