✓ Legal & RegulatedReviewed: Aug 2025
UtahLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Utah. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
None
Typical APR
400% APR
Max Term
None
Legal Status
Legal
Utah Lending Regulator
The Utah DFI oversees consumer lending in Utah, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Utah is sourced directly from the Utah DFI. For the most current requirements, visit: https://dfi.utah.gov/
Current Overview
Utah has no state cap on payday loan amounts or terms — one of the most flexible states. Get matched with lenders in SLC and statewide.
Legal Status: Legal · APR Range: 400% APR · Max Amount: None
Utah Lending FAQ
Are payday loans legal in Utah?▼
Yes. Payday loans are legal and regulated in Utah under the oversight of the Utah DFI. Current APR range: 400% APR. Maximum loan: None.
What is the maximum payday loan I can get in Utah?▼
The maximum short-term loan amount in Utah is None. A $500 loan for 14 days in UT costs approximately $75 in fees. APR varies by lender.
Who regulates payday lenders in Utah?▼
The Utah DFI is the primary state regulator. You can verify any lender's license at https://dfi.utah.gov/. Unlicensed lenders operating in Utah are illegal — always verify before borrowing.
What are the alternatives to payday loans in Utah?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Utah.