- Payday loans in Vernal 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.
- 2 credit unions are headquartered in Vernal; ask about small-dollar loans before borrowing.
Vernal at a glance
| Vernal | |
|---|---|
| Population (2024 Census estimate) | 10,698 |
| Change since 2020 | +6.1% (growing fast) |
| County | Uintah County |
| Size rank among 230 Utah places we cover | 66th |
| Nearest larger city | Springville (about 111 miles) |
| Credit unions headquartered in town (NCUA) | 2, 1 federal |
| Credit unions headquartered in Uintah County | 2 |
| Other towns within 25 miles | 2 (about 3,769 residents) |
| Typical payday APR statewide (CRL 2023) | 543% |
There is no separate Vernal payday law: Utah rules apply here, and any lender serving Vernal residents, online or in person, needs a license from the Utah Department of Financial Institutions.
Credit unions in Vernal
These credit unions have their main office in Vernal, according to NCUA call report data (June 2026):
- Valley Wide Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Uintah Credit Union (state charter)
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 Vernal
In short, Utah rules that cover Vernal include: 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 Vernal
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 Uintah County before you borrow
Before a payday loan, Vernal residents can usually find something cheaper:
- Local assistance through 211 covering Uintah County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Vernal
The nearest larger city is Springville, about 111 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 Vernal?
Yes. Payday loans are legal in Vernal under Utah state law, and lenders must be licensed by the Utah Department of Financial Institutions.
How much does a payday loan cost in Vernal?
Utah law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 543% in 2023.
Are there credit unions in Vernal?
Yes. NCUA data lists 2 credit unions with a main office in Vernal, including Valley Wide Federal Credit Union and Uintah Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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