- Payday loans in Cleveland 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 Spanish Fork, about 67 miles away.
Cleveland at a glance
| Cleveland | |
|---|---|
| Population (2024 Census estimate) | 516 |
| Change since 2020 | +3.4% (growing) |
| County | Emery County |
| Size rank among 230 Utah places we cover | 192nd |
| Nearest larger city | Spanish Fork (about 67 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Emery County | 1 |
| Other towns within 25 miles | 8 (about 18,759 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Whether you borrow at a storefront in Spanish Fork or online from Cleveland, the lender must hold a Utah license from the Utah Department of Financial Institutions and follow state limits.
Credit unions near Cleveland
No credit union has its main office in Cleveland, but these are based elsewhere in Emery County (NCUA, June 2026):
- Desertview Federal Credit Union in Huntington (federal charter — may offer payday alternative loans (PALs))
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.
Payday loan rules that apply in Cleveland
Key Utah limits that apply to Cleveland borrowers: 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 Cleveland
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 Emery County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Cleveland that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Cleveland
The nearest larger city is Spanish Fork, about 67 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 Cleveland?
Yes. Payday loans are legal in Cleveland under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Cleveland?
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 Cleveland?
No credit union is headquartered in Cleveland, but Desertview Federal Credit Union is based in Huntington, also in Emery 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