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Current Payday Lenders in Utah – Terms, Rates, Legislation

The list of payday lenders in Utah

  1. Cash Central

    • Website:
    • Address: 5165 Emerald Parkway, Suite 100, Dublin, OH 43017
    • Service: Online
    • States: Washington, Idaho, North Dakota, Minnesota, Wisconsin, Delaware, Wyoming, California, Nevada, Utah, Kansas, Missouri, Tennessee, South Carolina, Florida, Alabama, Mississippi, Lousiana, Texas, New Mexico, Alaska
  2. RISE Credit

    • Website:
    • Address: P.O. Box 679900 Dallas, TX 75267-9900
    • Service: Online
    • State: Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
  3. LendNation

    • Website:
    • Address: 1200 W Kearney St Springfield, MO 65803-1240
    • Service: Online/Offline
    • State: Idaho, Illinois, Kansas, Kentucky, Louisiana, Missouri, Nebraska, Nevada, Oklahoma, Texas, Utah, Wisconsin
  4. Check Into Cash

    • Website:
    • Address: 201 Keith Street, Suite 5 Cleveland
    • Service: Online/Offline
    • State: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  5. 1st Choice Money Center

    • Website:
    • Address: 8411 W. Fairview Ave, Boise, ID 83704
    • Service: Online
    • State: Idaho, Utah
  6. Check City

    • Website:
    • Address: 970028, Orem, UT 84097
    • Service: Online/Offline
    • State: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Kansas, Missouri, Nevada, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  7. Check `n Go

    • Website:
    • Address: P.O. Box 36124, Cincinnati, OH 45236
    • Service: Online
    • States: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin, Wyoming

    • Website:
    • Address: 169 South River Road, Suite #19, Bedford, New Hampshire, 03110
    • Service: Online
    • States: Delaware, Idaho, Kansas, Michigan, New Hampshire, Tennessee, Utah, Wisconsin
  9. Cash Factory USA

    • Website:
    • Address: 101 Convention Center Dr Las Vegas, NV
    • Service: Online
    • States: California, Delaware, Idaho, Missouri, Nevada, Texas, Utah, Wisconsin
  10. USA Cash Services

    • Website:
    • Address: 1752 Combe Rd. Suite 1, Ogden, UT 84403-5069
    • Service: Online
    • States: Arizona, California, Nevada, Utah, Wisconsin, Wyoming
  11. OpenCashAdvance

    • Website:
    • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801
    • Service: Online
    • States: Almost all US states including Utah
  12. GreenDayOnline

    • Website:
    • Address: 15727 Anthem Pky San Antonio, Suite No#45 ,TX 78249
    • Service: Online
    • States: Almost all US states including Utah

Are payday loans legal in Utah?

Payday loans obtain legal status in Utah. This state imposes no limit on the cash advance amount to be offered in the state. Utah has very flexible payday loan regulations. There were many attempts to introduce stricter payday loan practices haven’t come into force for years. The most efficient attempt was the 2016 amendment as it pushed one of every 6 lenders aside from the state. At the moment, there are 50 payday lending services, and 32 are reported to offer payday loans online.


  • Maximum amount: None
  • Maximum Interest Rate (APR): None; 652% APR on average
  • Minimum term: Not specified
  • Maximum term: 10 weeks
  • Installment option: Yes
  • Number of rollovers allowed: None
  • Number of outstanding loans allowed: Any
  • Cooling-off period: Not allowed
  • Finance charges: Any
  • Collection charges: $35 non-sufficient funds (NSF) fee
  • Criminal action: Prohibited

Am I eligible for a payday loan in Utah?

Payday loans are a favourable option for those who don’t have the best credit score. If you have a desire to take out a payday loan, every borrower must be at least 18 of age, have an ID, valid bank account, and an income certificate. Certificates include a bank statement or a pay stub. In addition, some lending managers will ask for a Social Security Number. You may still be denied even if you meet all the requirements. Depending on where you and the lender locate you choose, there may be other restrictions for taking out a payday loan.

Payday loan amounts in Utah

Noteworthy is that, max amount is not specified in Utah. As a result, payday lenders offer loans with much higher outstanding principal amounts than they offer in other states.

For example, many lender approve payday loans for as much as $1,500 in Utah. Meanwhile, the typical payday loan in the United States is only about $100-$1,000.

Maximum term for a payday loan in Utah

Originally, payday loans can issue cash advance for 10 weeks in Utah. Even if you can’t pay your principal and interest within that time, lenders can’t withdraw you interest after those 10 weeks.

Additionally, you can request an extended payment plan (EPP) once in a year, or any time that you pay interest on a payday loan for 10 consecutive weeks. The EPP must last for 60 days or 90 days after the borrower defaults, whichever is longer.

Rates, fees and other charges in Utah

The payday lending laws in Utah show no limitations on finance charges. Payday lenders can specify their rates at whatever they think borrowers will be willing to pay back.

For example, there are charges equal to $25 for every $100 in principal. On a 10-day term, that’s a 912.5% APR.

utah fees and charges

Additionally, direct lenders can impose extra $35 NSF fee if they attempt to collect on your lending option by debiting a bank account or cashing a post-dated check and fail to pay it back because of lack of cash.

What is the statute of limitations on a payday loan in Utah?

Utah officially called payday loans as deferred deposit loans. The Check Cashing and Deferred Deposit Lending Registration Act provides the Utah Department of Financial Institutions with the strength to take the business under control that is engaged in providing this type of loan to the state’s residents.

It’s an obligation for businessmen who plan to enter into payday lending business. The business should be registered under state law. Otherwise, any service is not allowed to collect or retain any fees or interest relating to deferred deposit loans.

If you don’t have such a license, you can’t serve people who desire to take out payday loans or deferred deposit loans in Utah. It’s also breaking the law is a lender issues online payday cash advances in the said state if a lender doesn’t apply for registration and follows the payday lending laws.

Consumer info

  • Lenders cannot issue one more payday loan while you repay the first one (10 weeks).
  • Lenders are banned to apply any criminal actions against borrowers.
  • Lenders are able to check a report from a credit bureaus.
  • However, lenders may file the court for the loan amount and interest, also court costs and attorney’s fees.
  • Lenders are allowed to charge a max. $20 if athe agreement is broken.
  • Utah borrowers are allowed to make partial payments of $5 at no extra fee at any period of the repayment term.