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What Utah law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | Allowed | No numeric cap | Not set by statute | Up to 70 days | Deferred Deposit Lender registration under Utah Code Title 7, Chapter 23, Dept. of... | Utah Code Title 7, Chapter 23 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
The rules in full
Payday loans
- Rate cap
- No statutory interest rate ceiling; same market-rate/unconscionability standard as installment loans applies. Utah Code Title 7, Chapter 23 (Check Cashing and Deferred Deposit Lending Registration Act) governs the product operationally rather than through a price cap.
- License
- Deferred Deposit Lender registration under Utah Code Title 7, Chapter 23, Dept. of Financial Institutions.
Full detail for every loan type: Utah lending laws.
Help in Utah
Money snapshot for Utah
Other options in Utah
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Utah: allowed under Utah law; see its limits and license rules.
- Installment loans in Utah: allowed under Utah law; see its limits and license rules.
- Personal loans in Utah: allowed under Utah law; see its limits and license rules.
- Title loans in Utah: allowed under Utah law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Utah.
Payday loans in nearby states
Sources
- le.utah.gov. Utah Code Title 7, Chapter 23. Retrieved September 23, 2026.
- dfi.utah.gov. Utah Code Title 70C, Section 70C-7-106. Retrieved September 23, 2026.
- dfi.utah.gov. Utah Department of Financial Institutions (DFI). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Utah. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Utah. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Utah? Contact the Utah Department of Financial Institutions (DFI) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.