Payday loans in Utah
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Utah payday loan rules at a glance
| Governing law | Check Cashing and Deferred Deposit Lending Registration Act. Deferred deposit lenders must register with DFI through NMLS. (Utah Code Title 7, Chapter 23; § 7-23-201) |
|---|---|
| Fees / interest cap | No rate or fee cap in the payday statute. Utah's Consumer Credit Code lets the parties agree to any finance charge unless another provision restricts it. The lender must post its full schedule of interest and fees in dollar amounts. (Utah Code §§ 70C-2-101, 7-23-401(1)(a)) |
| Maximum term | A lender may not collect more interest on a loan once 10 weeks have passed since the loan was made, and may not roll a loan over if that would push repayment past 10 weeks from the original loan date. (Utah Code § 7-23-401(4)(a), (c)) |
| Rollovers / renewals | Rollovers are allowed only if you ask for one, and only within the 10-week limit. A lender may not get around the limit by making a new loan to pay off an old one. (Utah Code § 7-23-401(4)(b), (c), (e)) |
| Cooling-off period | A lender may not make you a new loan on the same business day you pay off another of its loans if the old and new loans together would add up to more than 10 weeks of consecutive interest. (Utah Code § 7-23-401(4)(d)) |
| Extended payment plan | You may ask for an extended payment plan at least once in any 12 months; the lender must agree. You must also be offered one after 10 straight weeks of interest or fees. The plan must allow at least four equal payments over at least the longer of 90 days after default or 60 days after the plan starts, with no added interest or fees of any kind (a fee of up to $20 is allowed only if you default on the plan). The lender may not pursue collection while you keep to the plan. (Utah Code § 7-23-403) |
| Returned-payment fee | If a check you gave for a deferred deposit loan bounces, the lender may use Utah's dishonored-check procedures (Title 7, Chapter 15), but may not demand the extra statutory charge in § 7-15-1(6)(a)(iii) to avoid a lawsuit or collect the damages in § 7-15-1(7)(b)(vi). (Utah Code § 7-23-401(5)) |
| Criminal charges for bounced check | A lender may not threaten to use, or use, the criminal process in any state to collect a deferred deposit loan. (Utah Code § 7-23-401(4)(f)) |
How much will I repay?
Utah does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Credit services / credit access businesses
Utah does not use a CSO/CAB model for payday or title loans. For title loans, the Act's definition of 'title lender' includes anyone who arranges a title loan for a lender, acts as its agent, or assists in making it, so arrangers fall under the same registration duty. (Utah Code § 7-24-102(3)(b))
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arizona | Not available | — |
| Colorado | Not available | $500. |
| Idaho | Legal | $1,000 per loan, and no more than $1,000 in total outstanding with one lender (plus fees). |
| Nevada | Legal | A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the… |
| New Mexico | Not available | — |
| Wyoming | Legal | — |
Payday Loans by city in Utah
Counties in Utah
Show all 29 counties
Also see: Personal Loans in Utah · Title Loans in Utah · All Utah loan options
Frequently asked questions
Are payday loans legal in Utah?
Payday loans (called deferred deposit loans) are legal in Utah from lenders registered with the Department of Financial Institutions under the Check Cashing and Deferred Deposit Lending Registration Act. There is no cap on the interest or fees, but interest must stop 10 weeks after the loan is made.
How much do payday loans cost in Utah?
No rate or fee cap in the payday statute. Utah's Consumer Credit Code lets the parties agree to any finance charge unless another provision restricts it. The lender must post its full schedule of interest and fees in dollar amounts.
Can you roll over a payday loan in Utah?
Rollovers are allowed only if you ask for one, and only within the 10-week limit. A lender may not get around the limit by making a new loan to pay off an old one.
Do Utah payday lenders have to offer a payment plan?
You may ask for an extended payment plan at least once in any 12 months; the lender must agree. You must also be offered one after 10 straight weeks of interest or fees. The plan must allow at least four equal payments over at least the longer of 90 days after default or 60 days after the plan starts, with no added interest or fees of any kind (a fee of up to $20 is allowed only if you default on the plan). The lender may not pursue collection while you keep to the plan.
Can a payday lender press criminal charges in Utah?
A lender may not threaten to use, or use, the criminal process in any state to collect a deferred deposit loan.
What do I need to get a payday loan in Utah?
Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many Utah applicants get a decision in minutes.
Can I get a payday loan on the weekend in Utah?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Utah residents can start a request now; it takes about 3 minutes.
How much does a payday loan cost in Utah?
No rate or fee cap in the payday statute. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Utah borrowers in about 3 minutes.
Do payday loans in Utah affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Utah residents can see their options with our 3-minute form.