- Payday loans in Oakley 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 Holladay, about 29 miles away.
Oakley at a glance
| Oakley | |
|---|---|
| Population (2024 Census estimate) | 1,566 |
| Change since 2020 | -1.8% (shrinking) |
| County | Summit County |
| Size rank among 230 Utah places we cover | 136th |
| Nearest larger city | Holladay (about 29 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 12 (about 44,535 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
Whether you borrow at a storefront in Holladay or online from Oakley, the lender must hold a Utah license from the Utah Department of Financial Institutions and follow state limits.
Credit unions near Oakley
NCUA data (June 2026) shows no credit union headquartered in Oakley or Summit 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.
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Payday loan rules that apply in Oakley
Key Utah limits that apply to Oakley 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 Oakley
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 Summit 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 Oakley 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 Oakley
The nearest larger city is Holladay, about 29 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 Oakley?
Yes. Payday loans are legal in Oakley under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Oakley?
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 Oakley?
NCUA data shows no credit union headquartered in Oakley 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