Payday Loans in Utah - Apply Online in Minutes!

Utah Loans are legally available for the state’s residents over 18 with an active banking account and valid phone number. Apply online even with bad credit and get the money today!

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Utah Payday Loans - Get the Money Today

  1. Choose the necessary loan amount and apply to the best direct lender online in minutes.
  2. Get an instant approval decision and discuss your loan rates and terms.
  3. Once you’ve signed the loan agreement, get your money deposited directly into your banking account on the same day.


The Best Loans in Utah Online Apply Now


Are Utah Payday Loans Worth Considering for Instant Cash Advance?

  • You can apply for a loan around the clock (24 hours / 7 days)
  • Instant decision (within a few minutes)
  • Any amount from $100 to $1000 Payday Loans are available with instant decision from direct lender within a few minutes
  • No hard credit check, no collateral, no faxing is required to get guaranteed approval for a Payday Loan in Utah
  • Get same day financing even with bad credit or no credit

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Utah Payday Loans laws and regulations

Utah Payday Loans as well as all the short-term loans in the other states are regulated by the law. You’d better check these rules and limitations to know what rates and terms you can expect with Payday Loans in Utah. It will prevent you from high fees and predatory lenders.

First of all, you need to know that Payday Loans are legal in Utah.

There’s no limit on the amount and interest rate of Payday advance in Utah. The state laws only cap the maximum repayment term to 10 weeks. The average APR for a $300 Payday Loan can reach 658%. More details on Utah Payday Loan regulations are stated in the table below:

Legal Status

Legal (according to Check Cashing and Deferred Deposit Lending Registration Act (Utah Code Ann. 7-23-101 et seq.)

Maximum Payday Loan Amount

Not limited but typically reaches $1,000

Minimum Payday Loan Amount

Not limites - starting at $50 - $100 

Maximum Loan Term

10 weeks

Minimum Loan Term

Not specified


Can reach 658%

Credit Score Requirements

No minimum credit score is required, Bad Credit OK

Turnaround Time

1 - 2 business days depending on the loan approval time

Payday Loan Default Penalties

No criminal actions, Only a maximum of $20 charge is possible if a check bounces or is returned


Payday Lending State Statutes

Loan Rates and Fees, Laws and Regulations in Utah

The Official Website of the State of Utah


Utah Payday Loan lending organizations 

As Utah doesn’t impose any strict payday loan laws or regulations, there’re lots of legitimate companies offering short-term cash advance to the state’s residents. You can choose any of 50 Payday lenders in Utah. If you want to apply for a loan online, 32 online Payday Loan providers will be happy to help you. All these organizations are registered and follow the state’s rules in terms of short-term lending.

How much do Payday Loans Cost in Utah?

When you have planned to take out a loan in Utah, it’s necessary to check your rates first and find out what the total cost of the loan is going to be. How can you do it fast? First of all, use a free online Payday Loan Calculator. Second, fill out an online application form to check your rates and know the APR and other finance charges from the direct lender. Here’s a list of typical rates and fees you can expect when applying for Payday Loans in Utah:

  1. At least $1 of finance charges for every $5 you borrow. 
  2. The average APR pf 300% for a 14-day $100 loan.
  3. Acquisition charges of 1/8th of the payday loan amount (not more than 10 dollars). 
  4. No extra or hidden fees are to be charged for a Payday Loan in Utah.

Which Utah Residents Qualify for Payday Loans?

Most Utah Payday lenders require applicants to meet the following eligibility criteria in order to qualify for a loan:

  • 18+ years old. 
  • Legal Utah residency. 
  • Contact address, a phone number and a valid email.
  • A stable source of income of minimum $1,000 per month. 
  • Not be in debt or bankruptcy.

Providing you meet all these requirements, the success of getting a payday loan in Utah is almost guaranteed.

Utah Payday Loans Pros and Cons to make the right choice

If you are still in two minds whether to apply for Utah loans or not, look through the ways you may benefit from getting Utah payday loans:

  1. You get instant cash advance fast and easy with no hassle, no driving, no credit checks, and other troubles. 
  2. You can spend Utah loans on whatever you need starting with paying bills to debt consolidation. It’s up to you why you borrow money online.
  3. Utah lenders provide loans with no hard credit checks. It means that even if you have bad credit or even no credit, you can still qualify for a Payday Loan in Utah.
  4. You can always rely on Utah Payday Loans from direct lender even if you have been denied by other lending institutions.
  5. Quick financing is guaranteed to help you get the money within one or two business days. In urgent cases,  you can receive the loan in 1 hour, or 24 hours maximum.

Among the drawbacks we can mention only high interest rates and tight terms. But these disadvantages can be easily avoided if you choose a legitimate loan company and treat all the process with responsibility.

Why address Payday-Loans-Utah.US for help when you need quick money? specializes in Online Payday loans in Utah. We aim at fair lending practices, that’s why it’s important for us that you understand all the Payday Loan meaning, process, rates, terms, etc. On our site, you can find all the necessary information on short-term loans offered by Utah lenders. We also offer the chance to pre-qualify online with a simple application form. It will take you a few minutes to check your rates and terms for the necessary loan amount.

Our service is available 24/7 online and doesn’t bind you to any actions. It doesn’t affect your credit score either.

Find Legit Utah Payday Loan Providers in your City