Payday loans in Utah: what the law allows
Yes. Utah allows payday loans. Utah allows car title loans.
Utah
Payday loans
Allowed
Car title loans
Allowed
“It is unlawful for a person to engage in the business of cashing checks or the business of deferred deposit lending in Utah or with a Utah resident unless the person: (i) registers with the department in accordance with this chapter; and (ii) maintains a valid registration.”
Utah Department of Financial InstitutionsLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
Before you borrow
A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.
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Common questions
Are payday loans legal in Utah?
Yes. Utah allows payday loans.
Are car title loans legal in Utah?
Utah allows car title loans.
How do I check a lender's license in Utah?
Look the lender up with Utah Department of Financial Institutions, which licenses lenders in Utah.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.