Car title loans in Salt Lake City, UT
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Salt Lake City, UT.
The median household in Salt Lake City earns $75,090 a year, 21% below the Utah median of $95,166. About 14% of residents live below the federal poverty line, and 54.2% of households rent their home. 10.8% of Salt Lake City households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Utah law that applies in Salt Lake City
| 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. |
|---|---|
| Rate cap | No cap. |
| Maximum term | A loan with a repayment term longer than 364 days is not a 'title loan' under the Act. |
| Repossession rules | Except in a case of borrower fraud, if you default the lender's only remedy is to repossess and sell the vehicle. |
Full rules with statute citations: Title Loans in Utah. Cities in Utah cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Salt Lake City
Here's what to have on hand before you start your title loan request in Salt Lake City:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Salt Lake City
What Salt Lake City borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a title loan in Salt Lake City
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
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.
Banks and credit unions in the area
Credit unions in Salt Lake City
75 credit-union locations from 44 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 1715 W 700 N, Salt Lake City 84116 |
| Goldenwest | 769 E South Temple, Salt Lake City 84102 |
| Cyprus | 5750 S Redwood Rd, Salt Lake City 84123 |
| Canyon View | 270 S 1500 E, Salt Lake City 84112 |
| Deseret First | 50 E South Temple, Salt Lake City 84111 |
| Granite | 3675 S 900 E, Salt Lake City 84106 |
| American United | 500 Foothill Dr, Salt Lake City 84148 |
| U.P.S. Employees | 4897 W Lake Park Blvd Ste 200, Salt Lake City 84120 |
| Butte Community | 4897 W Lake Park Blvd Ste 200, Salt Lake City 84120 |
| Highway | 4897 W Lake Park Blvd Ste 300, Salt Lake City 84120 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Salt Lake County · Payday Loans in Salt Lake City · Personal Loans in Salt Lake City
Frequently asked questions
Can I get a title loan in Salt Lake City, UT?
Title loans are legal in Utah from lenders registered with DFI under the Title Lending Registration Act. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
How much can I get for my car title in Salt Lake City?
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. Most lenders lend a percentage of the car's wholesale value.
What happens if I miss a title loan payment in Salt Lake City?
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.
What is a title loan in Salt Lake City?
A title loan is a loan secured by your vehicle's title. The lender holds a lien on your car while you keep driving it, and the lien is released once the loan is repaid. Because the car secures the loan, approval depends largely on your vehicle's value, not just your credit. Salt Lake City drivers can start a title loan request online in about 3 minutes.
How do I get a title loan in Salt Lake City?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
Can I get a title loan on a financed car in Salt Lake City?
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.
Can I get a title loan without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the Utah motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Salt Lake City drivers can start a title loan request online in about 3 minutes.
What do I need for a title loan in Salt Lake City?
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.
Do I need to visit a store in Salt Lake City?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.