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Title loans in Utah

Title loans for bad credit in Utah

Title loans are allowed in Utah from state-licensed lenders (Title Lender Registration). Here are the limits Utah law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Utah guide

What Utah law allows

Title loans in Utah
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3] AllowedNo rate limit in state law No rate limit Not set by statute Not set by statute Title Lender Registration Utah Code Title 7, Chapter 24
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

Title loans

Rate cap
No statutory interest rate ceiling; same market-rate/unconscionability standard applies. Title Lending Registration Act (Utah Code Title 7, Chapter 24) regulates operationally: lenders must register (Title Lender Registration, TLR), post interest/fees consistent with federal Truth in Lending (Reg Z), and provide a written contract detailing loan terms.
License
Title Lender Registration (TLR) under Utah Code Title 7, Chapter 24, Dept. of Financial Institutions.

Full detail for every loan type: Utah lending laws.

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Rent and jobs in Utah

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Utah
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[4]$1,582FY2026
Unemployment rate[5]3.5%2026-08

Other options in Utah

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Utah.

Other loan types allowed in Utah

See every loan type Utah law allows.

Title loans in nearby states

  • NevadaAllowedNo rate limit in state law No rate limit
  • ColoradoAllowedHigh-cost loan 36% APR
  • WyomingAllowedHigh-cost loan 36% APR (top tier)
  • ArizonaAllowedHigh-cost loan 204% APR (top tier)
  • IdahoAllowedNo rate limit in state law No rate limit

Sources

  1. dfi.utah.gov. Utah Code Title 7, Chapter 24. Retrieved September 23, 2026.
  2. dfi.utah.gov. Utah Code Title 70C, Section 70C-7-106. Retrieved September 23, 2026.
  3. dfi.utah.gov. Utah Department of Financial Institutions (DFI). Retrieved September 23, 2026.
  4. National Low Income Housing Coalition. Out of Reach 2026: Utah. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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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.