Best Bad and Good Credit Personal Loans Utah, Payday Loan Laws 2020 - Elite Personal Finance
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Best Bad and Good Credit Loans Utah, Payday Loan Laws 2020

EPF Last Update: May 30, 2020
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Best Personal Loans for Bad Credit in Utah 2020

Amount

$500 – $5,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Utah

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in Utah

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Utah

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Utah

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Utah

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Utah

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Utah

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Utah

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Utah

Not a direct lender

Best Good Credit Loans in Utah 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Utah

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

6.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Utah

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Utah

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Utah

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Utah

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Utah

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

6.98% – 35.89%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Utah

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 -5 Years

Licensed in Utah

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Utah

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Utah

Yes

You can also check out our full list of recommended lenders.

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Payday Loan Laws in Utah 2020

According to the law in Utah, payday loans are legit. The official name of the document that regulate these loans is: Check Cashing and Deferred Deposit Lending Registration Act. Under it, payday loans are named: deferred deposit loans.

The law in Utah doesn’t restrict the amount that payday lenders can release. The allowed APR under this act is limited, but under 658%. That is too high limit. If we compare it to the average payday loan APR, which average at 400%, we can conclude that:

Payday lenders can make great business in Utah.

The law doesn’t specify rollovers, which make them legal. There are no restriction for the fees. However the law specify the loan terms, that can’t exceed 70 days.

You can find more information on payday loans in Utah here.

We at ElitePersonalFinance recommend that people avoid payday loans. For those who want to get a payday loan we can tell few things:

  • Payday loans are very expensive loans.
  • In 2020 there are better options than payday loans available, even for those with bad credit.
  • Payday loans lead people to debt cycle.

Because of that we create one of the most advanced guides on bad credit loans. We highly recommend that you read it before get payday loan. There you will find many better options than payday loans.

Payday Loan Laws in Utah by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of Utah.

We haven’t found a significant difference between the payday loan laws in Utah. If you are with bad credit, here are the laws in Utah by country.

CityAmount AllowedAPR AllowedStatus
Salt Lake CityNo Limit658%Legal
West Valley CityNo Limit658%Legal
ProvoNo Limit658%Legal
West JordanNo Limit658%Legal
OremNo Limit658%Legal
SandyNo Limit658%Legal
OgdenNo Limit658%Legal
St. GeorgeNo Limit658%Legal
LaytonNo Limit658%Legal
South JordanNo Limit658%Legal
LehiNo Limit658%Legal
MillcreekNo Limit658%Legal
TaylorsvilleNo Limit658%Legal
LoganNo Limit658%Legal
MurrayNo Limit658%Legal
DraperNo Limit658%Legal
BountifulNo Limit658%Legal
RivertonNo Limit658%Legal
Spanish ForkNo Limit658%Legal
RoyNo Limit658%Legal
Pleasant GroveNo Limit658%Legal
KearnsNo Limit658%Legal
HerrimanNo Limit658%Legal
Cottonwood HeightsNo Limit658%Legal
TooeleNo Limit658%Legal
MidvaleNo Limit658%Legal
SpringvilleNo Limit658%Legal
ClearfieldNo Limit658%Legal
Cedar CityNo Limit658%Legal
KaysvilleNo Limit658%Legal
HolladayNo Limit658%Legal
Eagle MountainNo Limit658%Legal
American ForkNo Limit658%Legal
SyracuseNo Limit658%Legal
MagnaNo Limit658%Legal
Saratoga SpringsNo Limit658%Legal
WashingtonNo Limit658%Legal
South Salt LakeNo Limit658%Legal
FarmingtonNo Limit658%Legal
ClintonNo Limit658%Legal
North Salt LakeNo Limit658%Legal
PaysonNo Limit658%Legal
North OgdenNo Limit658%Legal
Brigham CityNo Limit658%Legal
HighlandNo Limit658%Legal
CentervilleNo Limit658%Legal
South OgdenNo Limit658%Legal
HurricaneNo Limit658%Legal
HeberNo Limit658%Legal
West HavenNo Limit658%Legal
BluffdaleNo Limit658%Legal
Woods CrossNo Limit658%Legal
SantaquinNo Limit658%Legal
SmithfieldNo Limit658%Legal
LindonNo Limit658%Legal
VernalNo Limit658%Legal
GrantsvilleNo Limit658%Legal
North LoganNo Limit658%Legal
West PointNo Limit658%Legal
AlpineNo Limit658%Legal
Cedar HillsNo Limit658%Legal
Pleasant ViewNo Limit658%Legal
MapletonNo Limit658%Legal
Stansbury ParkNo Limit658%Legal
Washington TerraceNo Limit658%Legal
RiverdaleNo Limit658%Legal
HooperNo Limit658%Legal
TremontonNo Limit658%Legal
Park CityNo Limit658%Legal
PriceNo Limit658%Legal
Summit ParkNo Limit658%Legal
IvinsNo Limit658%Legal
HyrumNo Limit658%Legal
SalemNo Limit658%Legal
RichfieldNo Limit658%Legal
ProvidenceNo Limit658%Legal
South WeberNo Limit658%Legal
Santa ClaraNo Limit658%Legal
EphraimNo Limit658%Legal
RooseveltNo Limit658%Legal
Farr WestNo Limit658%Legal
NibleyNo Limit658%Legal
Plain CityNo Limit658%Legal
EnochNo Limit658%Legal
HarrisvilleNo Limit658%Legal
SnydervilleNo Limit658%Legal
Fruit HeightsNo Limit658%Legal
NephiNo Limit658%Legal
West BountifulNo Limit658%Legal
White CityNo Limit658%Legal
MoabNo Limit658%Legal
SunsetNo Limit658%Legal
MidwayNo Limit658%Legal
VineyardNo Limit658%Legal
PerryNo Limit658%Legal
KanabNo Limit658%Legal
Hyde ParkNo Limit658%Legal
MaeserNo Limit658%Legal
La VerkinNo Limit658%Legal
Silver SummitNo Limit658%Legal
MorganNo Limit658%Legal
Mountain GreenNo Limit658%Legal
WellsvilleNo Limit658%Legal
BlandingNo Limit658%Legal
DeltaNo Limit658%Legal
MantiNo Limit658%Legal
Elk RidgeNo Limit658%Legal
GunnisonNo Limit658%Legal
Mount PleasantNo Limit658%Legal
BeaverNo Limit658%Legal

Car Title Loans in Utah 2020

Car title loans in Utah are legal and there are no restrictions.

Best Auto Loans for Bad Credit in Utah 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Utah

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Utah

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Utah

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Utah

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Utah

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Utah

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Utah

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Utah

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Utah

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Utah

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Utah

Yes

Best Auto Loans for Good Credit in Utah 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Utah

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Utah

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Utah

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Utah

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Utah

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Utah

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Utah

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Utah

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Utah

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Utah

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Utah

Yes

FHA Loans in Utah

Utah has 29 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Beaver County to a high of $1,472,550 for a 4-bedroom unit in Summit County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Beaver County$331,760$638,100
Box Elder County$646,300$1,242,900
Cache County$331,760$638,100
Carbon County$331,760$638,100
Daggett County$331,760$638,100
Davis County$646,300$1,242,900
Duchesne County$331,760$638,100
Emery County$331,760$638,100
Garfield County$331,760$638,100
Grand County$331,760$638,100
Iron County$331,760$638,100
Juab County$401,350$771,850
Kane County$331,760$638,100
Millard County$331,760$638,100
Morgan County$646,300$1,242,900
Piute County$331,760$638,100
Rich County$374,900$720,950
Salt Lake County$416,300$800,600
San Juan County$331,760$638,100
Sanpete County$331,760$638,100
Sevier County$331,760$638,100
Summit County$765,600$1,472,550
Tooele County$416,300$800,600
Uintah County$331,760$638,100
Utah County$401,350$771,850
Wasatch County$765,600$1,472,550
Washington County$377,200$725,400
Wayne County$331,760$638,100
Weber County$646,300$1,242,900

Business Loans in Utah

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Utah

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Utah

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Utah

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Utah

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Utah

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Utah

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Utah

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Utah

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Utah

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Utah

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Utah

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Utah

Yes

All Licensed Credit Unions in Utah

NameCitySize (Millions)Members
AMERICA FIRST FEDERAL CREDIT UNIONRiverdale$5,095.90562236
MOUNTAIN AMERICA FEDERAL CREDIT UNIONWest Jordan$2,973.41373329
UTAH COMMUNITY FEDERAL CREDIT UNIONProvo$757.98109458
GOLDENWEST FEDERAL CREDIT UNIONOgden$779.4283751
UNIVERSITY FIRST FEDERAL CREDIT UNIONSalt Lake City$587.4776565
CYPRUS FEDERAL CREDIT UNIONWest Jordan$561.1871724
DESERET FIRST FEDERAL CREDIT UNIONSalt Lake City$411.5152571
GRANITE FEDERAL CREDIT UNIONSalt Lake City$330.3030447
WASATCH PEAKS FEDERAL CREDIT UNIONOgden$183.9726266
JORDAN FEDERAL CREDIT UNIONSandy$205.8125625
UTAH POWER CREDIT UNIONSalt Lake City$427.6522742
ALPINE CREDIT UNIONOrem$146.8122487
UTAH FIRST FEDERAL CREDIT UNIONSalt Lake City$238.8421894
USU CHARTER FEDERAL CREDIT UNIONLogan$136.4321019
MEMBERS FIRST CREDIT UNIONBrigham City$86.8814005
TRANSWEST CREDIT UNIONSalt Lake City$108.1812976
BOX ELDER COUNTY FEDERAL CREDIT UNIONBrigham City$83.8612892
EASTERN UTAH COMMUNITY FEDERAL CREDIT UNIONPrice$95.6412890
HORIZON UTAH FEDERAL CREDIT UNIONFarmington$111.2212169
HEALTH CARE CREDIT UNIONSalt Lake City$65.9911498
NEBO CREDIT UNIONSpringville$61.9010330
WEBER STATE FEDERAL CREDIT UNIONOgden$86.559477
CREDIT UNION ONEWest Jordan$57.469245
AMERICAN UNITED FAMILY OF CREDIT UN FEDERAL CREDIT UNIONSalt Lake City$81.299021
UTAH HERITAGE CREDIT UNIONMoroni$46.777146
SUMMITONE FEDERAL CREDIT UNIONOgden$61.855962
CHEVRON WEST CREDIT UNIONWoods Cross$83.495807
PACIFIC HORIZON CREDIT UNIONSpringville$38.155414
MILLARD COUNTY CREDIT UNIONFillmore$26.665389
DESERTVIEW FEDERAL CREDIT UNIONHuntington$29.405189
HERCULES CREDIT UNIONSalt Lake City$55.844775
NATIONAL J. A. C. L. CREDIT UNIONSalt Lake City$31.844381
SAN JUAN CREDIT UNIONBlanding$12.653801
NEPHI WESTERN EMPLOYEES FEDERAL CREDIT UNIONNephi$26.673687
ASSOCIATED FEDERAL EMPLOYEES FEDERAL CREDIT UNIONSalt Lake City$32.243583
FIREFIGHTERS CREDIT UNIONSalt Lake City$28.973461
EDUCATION 1ST CREDIT UNIONOgden$22.333278
PREMIER SERVICES CREDIT UNIONSalt Lake City$20.163252
FREEDOM CREDIT UNIONProvo$22.443046
HI-LAND CREDIT UNIONSalt Lake City$35.842811
PACIFIC RAILS CREDIT UNIONWest Jordan$23.242503
P & S CREDIT UNIONSalt Lake City$11.902404
LOGAN MEDICAL FEDERAL CREDIT UNIONLogan$16.652355
GRAND COUNTY CREDIT UNIONMoab$15.872246
LU 354 I B E W FEDERAL CREDIT UNIONSalt Lake City$16.162211
LOGAN CACHE RICH FEDERAL CREDIT UNIONSmithfield$18.582175
UTAH FEDERAL CREDIT UNIONSalt Lake City$18.372162
SHEET METAL WORKERS LO NO 312 FEDERAL CREDIT UNIONSalt Lake City$4.042080
KINGS PEAK CREDIT UNIONRoosevelt$11.852062
GIBBONS AND REED EMPLOYEES FEDERAL CREDIT UNIONSalt Lake City$5.111847
UTAH PRISON EMPLOYEES CREDIT UNIONDraper$3.701499
TANNER EMPLOYEES CREDIT UNIONSalt Lake City$6.091365
DEVILS SLIDE FEDERAL CREDIT UNIONMorgan$8.991321
C U P FEDERAL CREDIT UNIONProvo$6.761319
VARIAN SL EMPLOYEES FEDERAL CREDIT UNIONSalt Lake City$12.701231
GRANTSVILLE FEDERAL CREDIT UNIONGrantsville$5.071220
ST. MARKS EMPLOYEES FEDERAL CREDIT UNIONSalt Lake City$8.211176
UINTAH CREDIT UNIONVernal$3.381132
NEWSPAPER EMPLOYEES CREDIT UNIONKearns$6.93988
PROVO POSTAL CREDIT UNIONProvo$6.36974
PROVO POLICE & FIRE DEPT. CREDIT UNIONProvo$2.63967
OREM CITY EMPLOYEES FEDERAL CREDIT UNIONOrem$3.95937
PHILLIPS-WASATCH CREDIT UNIONBountiful$5.62899
MIDVALLEY FEDERAL CREDIT UNIONMurray$6.40860
DUGWAY FEDERAL CREDIT UNIONDugway$3.85834
EMPLOYEES FIRST CREDIT UNIONLogan$1.81803
S E A CREDIT UNIONRichfield$3.09803
SUNNYSIDE CREDIT UNIONSunnyside$3.55766
MEADOW GOLD EMPLOYEES CREDIT UNIONSalt Lake City$5.06645
TEAMSTERS LOCAL #222 FEDERAL CREDIT UNIONSalt Lake City$2.47622
MOON LAKE ELECTRIC EMPLOYEES FEDERAL CREDIT UNIONRoosevelt$1.51518
NORTH SANPETE FEDERAL CREDIT UNIONMt Pleasant$1.22459
DESERET NEWS EMP. CREDIT UNIONSalt Lake City$1.96428
PEOPLES ELECTRIC POWER CREDIT UNIONVernal$1.24408
BAILEY, INC. EMPLOYEES CREDIT UNIONWest Valley City$0.86398
LOGAN CITY EMPLOYEES CREDIT UNIONLogan$0.74280
UCB CREDIT UNIONSalt Lake City$1.40269
SOUTH SANPETE CREDIT UNIONManti$0.67205
VALTEK CREDIT UNIONSpringville$0.70201
PRESTO LEWISTON EMPLOYEES CREDIT UNIONLewiston$0.25181
U P CAR DEPT FEDERAL CREDIT UNIONNorth Salt Lake$0.42181
GRANITE FURNITURE EMPLOYEES FEDERAL CREDIT UNIONWest Jordan$0.68152
OGDEN WONDER FEDERAL CREDIT UNIONNorth Ogden$0.46148
VALLEY WIDE FEDERAL CREDIT UNIONVernal$0.41147
EMSCO CREDIT UNIONSalt Lake City$0.63135
TRI-COUNTY CREDIT UNIONPanguitch$0.1788
BECKSTRAND AND ASSOCIATES CREDIT UNIONSalt Lake City$0.3775

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