- Payday loans in Leeds 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 Washington, about 11 miles away.
Leeds at a glance
| Leeds | |
|---|---|
| Population (2024 Census estimate) | 860 |
| Change since 2020 | -0.5% (holding steady) |
| County | Washington County |
| Size rank among 230 Utah places we cover | 167th |
| Nearest larger city | Washington (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 12 (about 196,795 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Whether you borrow at a storefront in Washington or online from Leeds, the lender must hold a Utah license from the Utah Department of Financial Institutions and follow state limits.
Credit unions near Leeds
NCUA data (June 2026) shows no credit union headquartered in Leeds or Washington County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Leeds
Key Utah limits that apply to Leeds 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 Leeds
Utah law sets no cap on payday loan fees, so prices vary widely by lender. Statewide, the typical APR on a $400 payday loan was 543% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Washington 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 Leeds 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 Leeds
The nearest larger city is Washington, about 11 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 Leeds?
Yes. Payday loans are legal in Leeds under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Leeds?
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 Leeds?
NCUA data shows no credit union headquartered in Leeds or its county. Use the NCUA credit union locator to find branches and online credit unions.
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