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Payday loans by state

Payday Loans in Utah: Laws, Limits and Costs

Payday loans are legal in Utah and regulated by the Utah Department of Financial Institutions. Here are the rules that apply, what a loan typically costs and how to check a lender before you borrow.

By PaydayEase Editorial TeamUpdated 2 min readFact-checked against official sources

Key takeaways
  • Payday loans are legal in Utah under the Utah Code Title 7, Chapter 23 (Deferred Deposit Lending).
  • The typical APR on a $400 payday loan in Utah was 543% (CRL, June 2023, from state regulator data).
  • Utah law sets no cap on payday loan fees, so prices vary widely by lender.

Payday loan rules in Utah

RuleUtah
Loan amount and feesNo statutory cap
Maximum interest period10 weeks; no interest or fees after that
Extended payment planAfter 10 weeks you can ask for an extended payment plan with no extra interest or fees

Rules checked 2026-10-04. Laws change, so confirm current limits with the Utah Department of Financial Institutions.

What a payday loan costs in Utah

The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Utah was 543%, based on data from the state regulator (June 2023). Use our cost calculator to turn any offer into an APR.

Plan the repayment

Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.

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How to check a lender in Utah

  1. Make sure the lender is licensed by the Utah Department of Financial Institutions. Many lenders can also be looked up on NMLS Consumer Access.
  2. Get the APR and finance charge in writing before you sign. Federal law requires them.
  3. Be careful with online lenders that say Utah law does not apply to them because they are tribal or offshore.
  4. File complaints with the state regulator and the CFPB.

Cheaper options in Utah

  • Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Utah that offers them. See how PALs work.
  • Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
  • Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
  • 211: call or text 211 for local help with rent, utilities and food.

Utah cities

Local guides for 230 Utah cities and towns, with credit unions, nearby towns and the rules that apply.

All 230 Utah cities, A to Z

Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.

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Frequently asked questions

Are payday loans legal in Utah?

Yes. Payday lending is legal in Utah under the Utah Code Title 7, Chapter 23 (Deferred Deposit Lending) and is regulated by the Utah Department of Financial Institutions.

What is the typical payday loan APR in Utah?

The Center for Responsible Lending reported a typical APR of 543% on a $400 payday loan in Utah, using state regulator data (June 2023).

Where can I complain about a payday lender in Utah?

Contact the Utah Department of Financial Institutions and file a complaint with the Consumer Financial Protection Bureau.

Sources

  1. Utah Code 7-23-401
  2. Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
  3. NMLS Consumer Access — check a lender’s license
  4. CDFI Fund — NCUA payday alternative loans summary
Guides

Payday Loan Laws by State: Where Payday Loans Are Legal

Which states ban payday loans, which cap rates at 36%, and which allow them with limits. Plus how to check a lender’s license in your state.

Read guide 2 min readGuides

Payday Loan APR Explained (With a Cost Calculator)

Use our free payday loan calculator to turn a lender’s fee into an APR and total cost. Learn why a $15 fee per $100 equals about 391% APR.

Read guide 2 min readGuides

Payday Alternative Loans (PALs): The Credit Union Option

Payday alternative loans from federal credit unions cap interest at 28% APR. Learn the PAL I and PAL II rules, how to apply and how they compare with payday loans.

Read guide 2 min read
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