Payday Loans in Utah

Payday Loans in Utah

Need Money Fast?

Payday loans are issued to you based on your payroll. These are short-term loans that do not require collateral. They are high-interest, but this has been legally regulated over the years.

How to get a 200 dollar loan? The answer is payday loans! There are numerous options for payday loans online Utah state. As their name suggests, the payment occurs on the day you receive your salary. Based on the Utah regulations, the maximum amount you can borrow is about $1000.

The term is generally around 4-6 months. These are quick loans that help with your immediate expenses. Make sure to do proper research prior to choosing among multiple payday lenders.

Best payday loans in Utah

Loan market is certainly a competitive one. You need to be careful when choosing your loan options whether it Utah payday loan online, or online payday loans in California, it worth considering all rates and terms before applying. Find some of the best lenders in UT that offer payday loans listed below.


PayDaySay is a payday advance app that handles quick and easy cash loans. They are accessible in Utah state as well. All you have to do is fill out a form, and they will find the perfect payday lender for you!

They are a mediator between the lender and the borrower. Their online service is located in LA, California. PayDaySay does not offer money directly, but they connect you with someone who does, so the loan amount is not immediately determined. The amount, rates, interest, and term will all be stated in the provider’s contract. 

The usual APR that providers offer through them is from 200% to 2,290%. There are no specific requirements, and they do not charge using the app. Their rating on Trustpilot is 4.7, with multiple positive experiences. They offer the ability to compare rates and make the best decision. This leaves numerous users satisfied. Overall, PayDaySay is a great option to get Utah payday loans online or another state loan, as payday loans Texas!

Cash Factory USA


If you are looking for payday loans online in Utah state, you might want to check out Cash Factory USA. They have been in the business for over six years! As they conduct everything online, the application process is fairly simple.

Their payday loan amounts vary from $100 to $1000. The term is usually up to 6 months, and you must have a checking account. The payment is set to occur on the day you receive your salary. The fees vary based on numerous factors. For example, the number of payments, the amount borrowed, and the finance charge. APR is usually around 550%, but it varies. 

Their business is legally regulated and verified. Regarding the limits, they follow the UT state and federal laws and regulations. Trustpilot users give them a 4.5 rating with excellent reviews. Make sure to check them out if you are looking for payday loans in Utah online!



NHCash is another excellent opportunity for those looking for a Utah payday loan online or even another state loan as a payday loan in Washington. They offer quick cash the day you apply! This online company is based in Bedford, New Hampshire. 

The main characteristic that differentiates them from other lenders is that they offer loans for those with a bad credit score as well!  The Annual Percentage Rate (APR) is 35.99%. You will have over two months to pay off the loan! The repayment period is not fixed and varies based on different factors. The usual amount that others borrow is around $250-$500, but you can take more overtime without reapplying. 

There are no particular requirements, as NHCash considers everybody’s application! Trustpilot users gave them a rating of 4.6 with great reviews, highlighting smooth transactions. Many claim the process is easy and efficient. If you are in UT and looking for online payday loans, make sure to check them out!

Green Day Online

Green Day Online

While looking for online payday loans in Utah, you might want to check out Green Day Online. They offer quick same day funding loans to those with poor credit. The company is located in Dallas, Texas, US, but they offer loans in UT as well.

You can take out a payday loan in the amount from $100 to over $1,000. The rate of interest is low and can vary from 60% to 299%. The payment period is generally short. The only limitation might be the one set by Utah State. If you take out around $300 for a 2-week loan term, the APR might go over 500%. There are no particular requirements except your income and credit score, to a certain extent. 

The application process is simple and done online. All you have to do is go to the website and fill out the required fields. Many have used this option, and according to Trustpilot, they were satisfied. Their rating is 4.0, with numerous positive reviews. Make sure to consider all of the possibilities Green Day Online offers. 

Check City

checkcity loans

Check City was originally established as a check-cashing store, but they expanded the business over the years. Now they offer financial aid in 31 Utah locations, from Logan to St. George. You can easily apply for a payday loan online or at one of the offices. 

The loan amount depends on your credit, income, and other factors. The minimum amount is $50. The APR will vary based on the loan term, but it is generally around 460%. They will offer you a payment period from 8 to 36 days, and you might be able to extend it up to 70 days. 

Their requirements are the following:

  • SSN
  • ID
  • Your personal information
  • Proof of income

This company is licensed and legally regulated. They have their rules, but the business is conducted quickly and professionally. Check City has a 4.6 review on Trustpilot! As many customers claim they are supportive and helpful, you might want to research their payday loans online in Utah state!

Payday loans online in Utah State are completely legal and accessible. According to the Oak View Law Group, they are regulated by the Utah Code, section “Check Cashing and Deferred Deposit Lending Registration Act.” The maximum loan amount is not determined, but the tenure is ten weeks long. 

The Annual Percentage Rate (APR) on a two-week loan of $100 is 658%. There are no specified financial charges, and rollovers are allowed. Should the borrower default to pay off the loan, the lenders are free to take legal action.

The lenders are allowed to charge up to $20 for each bounced check. Payday loans are popular in UT as numerous lending companies see earning potential there. The practice is under the Utah Department of Financial Institutions’ jurisdiction.

Why might you need Utah payday loans?

Payday loans are easy to access for some quick cash. There are multiple reasons why one might need some extra money. Taking out online payday loans might be the best decision sometimes.

If you do not have any savings and need to buy a new washing machine, try searching for lenders in Utah online. Unfortunately, sometimes we have urgent expenses that need to be covered. Payday loans are typically paid out to you within 24 hours!

You do not necessarily borrow money because of an emergency. Sometimes you want to get movie tickets, go to a concert, or even buy some more clothes. The lending companies will not be concerned with your reasons. 

However, to take better care of your own finances, you might want to take out a $500 loan no credit check only if needed. You do not want to bury yourself in interest rates and debts for a new pair of shoes. Make sure to think through your decision.

Terms for payday loans in Utah

If you are looking into Utah payday loans online, you need to know all the specifics. Before you decide to get one, keep yourself informed. Payday loans are easy to get, but even these have some requirements. 

The main term for getting one is to have a steady income. The lending companies do not usually care for your credit score. To them, it only matters that you are able to pay back the money they give you. 

You will need to have your paystub and bank statement with you. Make sure to have an open and active bank account. They have to check your finances before they approve the payment.

Loan Amounts

There are a couple of things you want to determine before you get a loan. One of them is the amount. State laws regulate the minimum and maximum amount you can borrow. 

For online payday loans, you can take out from $50 to $1,500. Based on your income, payday lenders will determine what would be the safest option for them. They determine how much money you can take, considering various factors. 

You need to be aware of your financial situation as well. Make sure you do not take out more than you can handle to repay. Even though your salary covers it, do not allow yourself to struggle to pay the lender back. Default payment affects your credit score. The lenders will be more cautious with you in the future, and you might jeopardize your reputation.

Loan Terms

Taking out loans means you will have a particular time period to pay them back. This period is called the ”loan term.” The maximum tenure in Utah is up to 10 weeks or 70 days. 

Payday loans are called that because you pay them off based on when your next paycheck comes in. This can be one week from the day you borrow or one month. There is no set minimum loan term.

The loan tenure varies based on your circumstances and what you agree upon with the lender. They also might allow an extension, which is also up to ten weeks. This is a great option for those that are unable to pay the money back right away. 

Rather than being unfair and not fulfilling your obligations, make sure to let the lender know you need a rollover. However, before you get the cash, ensure you will have sufficient time and funds to pay the company back!

Loan Rates

When it comes to interest rates, there is no maximum amount determined by the law. In Utah, the APR can go over 500% for a $100 loan if you take it out for two weeks. That said, APR is calculated based on the amount and the term. 

APR is the Annual Percentage Rate, which is generally an interest calculated for the entire year. The minimum interest for Utah payday loans online is also not fixed. Unfortunately, the rates vary, and you have to be extremely careful you do not get into a huge debt.

Pros and Cons of payday loans in Utah

Are you thinking of payday loans in your state, but you are not certain they are a good idea? Here is a list of advantages and disadvantages that might help you make the decision:


  • Easy to get
  • Do not require an excellent credit score
  • You can get a smaller amount
  • Do not require collateral


  • High interest rates
  • They do not help you build credit
  • Lenders can sue you

Overall, they are a good idea for those who need extra money and need it quickly. However, if you are not in absolute need of it, you want to think twice before getting one.

What will Utah payday loan cost?

Jumping into decisions is never a good idea, especially with your finances. Before you borrow money, consider how much this will cost in the long run. Multiple factors are included in the calculation, but the main one in UT is APR. 

50 ÷ 300 0.16
0.16 x 365


60.83 ÷ 14 4.34
4.34 x 100 434 (APR)

You can easily calculate your full amount online using different calculators online. Some lenders will not be willing to help you out with this. Stay informed because it is in your best interest!

Utah payday loans if the Credit Rating Is Poor

Even though payday loans can be costly in the end, the bright side is they are easy to get! The lenders are not concerned with your credit score history. All they want to see is that you can pay them back.

Rather than looking into your previous loans and payments, they want to know your current situation. They want to see you have a stable source of income. You are eligible to get a Utah payday loan online even if your credit rating is poor.

However, if you fail to repay them, they can sue you by state law. Avoid the possibility of going to court by fulfilling your obligations. These loans do not affect your credit score either, but nobody needs unnecessary lawsuits!

What are alternatives to Utah payday loans?

Payday loans are quick and easy but can also be expensive. Repayment requirements are strict, and you must be careful with the rates. For that reason, some people decide to look for an alternative.

Luckily, in Utah state, there are multiple options for you. Some of them are:

  • Personal loans

These are similar to a credit line as the lender pays the amount the once. The borrowers pay it back over time. APR is lower, but the application process is more difficult than with payday loans

  • Installment loans

Similar to personal loans, installment loans online are also paid out in monthly installments. The repayment period is longer than with payday, but it makes the interest rates lower. 

  • Signature loans

There is not much difference between a signature and a personal loan. The main one is that personal ones may require collateral, but signature ones are unsecured.

In Conclusion

Payday loans in Utah can be a tempting solution for individuals looking to secure quick cash. However, these loans often come with high interest rates and fees, which can trap borrowers in a cycle of debt. It is important to carefully evaluate all options and consider alternative sources of funding before resorting to payday loans. Additionally, borrowers should be aware of how many pay periods in a year and how this may impact their ability to repay the loan on time. Overall, taking a cautious approach and seeking financial advice can help consumers make informed decisions and avoid unnecessary financial burdens.

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Frequently Asked Questions

Utah has a lot of lending companies due to its laws and regulations. It is a perfectly legal place for lenders to earn money, which gives you multiple options. There are pros and cons to payday loans in Utah, but ultimately, if you need one – get one!

Unfortunately, the answer is no. The Annual Percentage Rate is an inescapable part. As the minimum and maximum amounts are not fixed, the lenders can use whichever amount they want. The APR varies from 300% to over 400%.

There is no minimum or maximum number of payday loans that you can have at once. The UT law has not determined this, which means that there is no limit. If you want to get more loans at a time, you are free to do so.

Yes, payday loans are completely legal in Utah. They are regulated by the Utah Department of Financial Institutions (DFI). Few legal restrictions draw many lending companies to Utah!

Yes, payday lenders can sue you if you fail to fulfill your obligations. There have been multiple cases where they took people to court to get the money they owed. The Utah state code mainly protects lending companies.

No, payday loans in Utah will not garnish your wages. However, the exception is if the lender sues you to collect what you owe. In that case, your wages will be garnished in relation to the loan.

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