Woods Cross, UT · West · Allowed
Payday loans in Woods Cross
Woods Cross is governed by Utah's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Utah. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Woods Cross
11,351 residents · Davis County Median household income is $69,814 — above the Utah median of $66,486.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Money 4 You Installment Loans Check Cashing/Pay-day Loans | D W 750 S Ste D, 84010 | (801) 298-0935 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Utah page before visiting. Spot an error? Report it.
The online route in Woods Cross
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Utah follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Utah regulator.
The rules behind the numbers
Deferred deposit loans are high-cost loans without interest rate caps, intended for short-term financial emergencies only.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 521% - 652% APR. Every compliant lender in Woods Cross has to fit inside that schedule.
Statute: Utah Code § 7-23-101 et seq.
Regulator: Utah Department of Financial Institutions · dfi.utah.gov
Questions people ask in Woods Cross
Are payday loans legal in Woods Cross, UT?
Yes. Storefront payday lending is permitted across Utah, and Woods Cross runs under the same state rules: maximum loan No fixed dollar cap, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Woods Cross?
The same as anywhere in Utah: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Woods Cross?
1 storefront is listed in Woods Cross in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Woods Cross?
Complaints about a lender go to the Utah Department of Financial Institutions (dfi.utah.gov) — keep the loan agreement and every fee disclosure you were given.