Car title loans in Utah
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Utah title loan rules at a glance
| Governing law | Title Lending Registration Act. A title loan is a loan of 364 days or less secured by the title to a motor vehicle, mobile home or motorboat (not a purchase-money loan). (Utah Code §§ 7-24-102(4), 7-24-201) |
|---|---|
| Maximum loan | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on the same vehicle at a time. (Utah Code § 7-24-202(3)(b), (c)) |
| Rate / fee cap | No cap. Interest and fees must be posted and stated in the contract as both dollar amounts and an APR. (Utah Code §§ 70C-2-101, 7-24-202(1)) |
| Maximum term | A loan with a repayment term longer than 364 days is not a 'title loan' under the Act. (Utah Code § 7-24-102(4)(c)(iv)) |
| Renewals | A title loan may be rolled over (extended or renewed) only if you request it. (Utah Code § 7-24-202(3)(a)) |
| Repossession notice / right to cure | Except in a case of borrower fraud, if you default the lender's only remedy is to repossess and sell the vehicle. It may not sue you personally for the loan or for any shortfall after the sale. (Utah Code § 7-24-204(1)-(2)) |
| Surplus after sale | After repossession and sale, the lender must give you any sale proceeds above what you owed on the title loan. (Utah Code § 7-24-204(3)) |
Title loans online in Utah
You can start a Utah title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
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 | Legal | — |
| Colorado | Limited | — |
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. |
| New Mexico | Not available | — |
| Wyoming | Limited | — |
Title Loans by city in Utah
Counties in Utah
Show all 29 counties
Also see: Payday Loans in Utah · Personal Loans in Utah · All Utah loan options
Frequently asked questions
Are title loans legal in Utah?
Title loans are legal in Utah from lenders registered with DFI under the Title Lending Registration Act. There is no rate cap, but a title loan may not be larger than the vehicle's fair market value, and on default the lender's only remedy is to take and sell the vehicle.
How much can you get for a title loan in Utah?
A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on the same vehicle at a time.
What interest can title lenders charge in Utah?
No cap. Interest and fees must be posted and stated in the contract as both dollar amounts and an APR.
When can a title lender repossess my car in Utah?
Except in a case of borrower fraud, if you default the lender's only remedy is to repossess and sell the vehicle. It may not sue you personally for the loan or for any shortfall after the sale.
Do I get money back if my car is sold in Utah?
After repossession and sale, the lender must give you any sale proceeds above what you owed on the title loan.
Can I get a title loan online in Utah?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Utah title loan request in about 3 minutes.
What do I need for a title loan in Utah?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Utah, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I refinance my title loan in Utah?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Utah rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan on a financed car in Utah?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Utah will tell you what they can offer.