Loans By State

Best Bad and Good Credit Loans Utah, Payday Loan Laws 2020

EPF Last Update: June 7, 2020
View All Studies

Best Personal Loans for Bad Credit in Utah 2020

Amount

$500 – $10,000

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 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 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

7.95% - 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

7.99% - 35.97%

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.

City Amount Allowed APR Allowed Status
Salt Lake City No Limit 658% Legal
West Valley City No Limit 658% Legal
Provo No Limit 658% Legal
West Jordan No Limit 658% Legal
Orem No Limit 658% Legal
Sandy No Limit 658% Legal
Ogden No Limit 658% Legal
St. George No Limit 658% Legal
Layton No Limit 658% Legal
South Jordan No Limit 658% Legal
Lehi No Limit 658% Legal
Millcreek No Limit 658% Legal
Taylorsville No Limit 658% Legal
Logan No Limit 658% Legal
Murray No Limit 658% Legal
Draper No Limit 658% Legal
Bountiful No Limit 658% Legal
Riverton No Limit 658% Legal
Spanish Fork No Limit 658% Legal
Roy No Limit 658% Legal
Pleasant Grove No Limit 658% Legal
Kearns No Limit 658% Legal
Herriman No Limit 658% Legal
Cottonwood Heights No Limit 658% Legal
Tooele No Limit 658% Legal
Midvale No Limit 658% Legal
Springville No Limit 658% Legal
Clearfield No Limit 658% Legal
Cedar City No Limit 658% Legal
Kaysville No Limit 658% Legal
Holladay No Limit 658% Legal
Eagle Mountain No Limit 658% Legal
American Fork No Limit 658% Legal
Syracuse No Limit 658% Legal
Magna No Limit 658% Legal
Saratoga Springs No Limit 658% Legal
Washington No Limit 658% Legal
South Salt Lake No Limit 658% Legal
Farmington No Limit 658% Legal
Clinton No Limit 658% Legal
North Salt Lake No Limit 658% Legal
Payson No Limit 658% Legal
North Ogden No Limit 658% Legal
Brigham City No Limit 658% Legal
Highland No Limit 658% Legal
Centerville No Limit 658% Legal
South Ogden No Limit 658% Legal
Hurricane No Limit 658% Legal
Heber No Limit 658% Legal
West Haven No Limit 658% Legal
Bluffdale No Limit 658% Legal
Woods Cross No Limit 658% Legal
Santaquin No Limit 658% Legal
Smithfield No Limit 658% Legal
Lindon No Limit 658% Legal
Vernal No Limit 658% Legal
Grantsville No Limit 658% Legal
North Logan No Limit 658% Legal
West Point No Limit 658% Legal
Alpine No Limit 658% Legal
Cedar Hills No Limit 658% Legal
Pleasant View No Limit 658% Legal
Mapleton No Limit 658% Legal
Stansbury Park No Limit 658% Legal
Washington Terrace No Limit 658% Legal
Riverdale No Limit 658% Legal
Hooper No Limit 658% Legal
Tremonton No Limit 658% Legal
Park City No Limit 658% Legal
Price No Limit 658% Legal
Summit Park No Limit 658% Legal
Ivins No Limit 658% Legal
Hyrum No Limit 658% Legal
Salem No Limit 658% Legal
Richfield No Limit 658% Legal
Providence No Limit 658% Legal
South Weber No Limit 658% Legal
Santa Clara No Limit 658% Legal
Ephraim No Limit 658% Legal
Roosevelt No Limit 658% Legal
Farr West No Limit 658% Legal
Nibley No Limit 658% Legal
Plain City No Limit 658% Legal
Enoch No Limit 658% Legal
Harrisville No Limit 658% Legal
Snyderville No Limit 658% Legal
Fruit Heights No Limit 658% Legal
Nephi No Limit 658% Legal
West Bountiful No Limit 658% Legal
White City No Limit 658% Legal
Moab No Limit 658% Legal
Sunset No Limit 658% Legal
Midway No Limit 658% Legal
Vineyard No Limit 658% Legal
Perry No Limit 658% Legal
Kanab No Limit 658% Legal
Hyde Park No Limit 658% Legal
Maeser No Limit 658% Legal
La Verkin No Limit 658% Legal
Silver Summit No Limit 658% Legal
Morgan No Limit 658% Legal
Mountain Green No Limit 658% Legal
Wellsville No Limit 658% Legal
Blanding No Limit 658% Legal
Delta No Limit 658% Legal
Manti No Limit 658% Legal
Elk Ridge No Limit 658% Legal
Gunnison No Limit 658% Legal
Mount Pleasant No Limit 658% Legal
Beaver No Limit 658% 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.

County Single 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

Name City Size (Millions) Members
AMERICA FIRST FEDERAL CREDIT UNION Riverdale $5,095.90 562236
MOUNTAIN AMERICA FEDERAL CREDIT UNION West Jordan $2,973.41 373329
UTAH COMMUNITY FEDERAL CREDIT UNION Provo $757.98 109458
GOLDENWEST FEDERAL CREDIT UNION Ogden $779.42 83751
UNIVERSITY FIRST FEDERAL CREDIT UNION Salt Lake City $587.47 76565
CYPRUS FEDERAL CREDIT UNION West Jordan $561.18 71724
DESERET FIRST FEDERAL CREDIT UNION Salt Lake City $411.51 52571
GRANITE FEDERAL CREDIT UNION Salt Lake City $330.30 30447
WASATCH PEAKS FEDERAL CREDIT UNION Ogden $183.97 26266
JORDAN FEDERAL CREDIT UNION Sandy $205.81 25625
UTAH POWER CREDIT UNION Salt Lake City $427.65 22742
ALPINE CREDIT UNION Orem $146.81 22487
UTAH FIRST FEDERAL CREDIT UNION Salt Lake City $238.84 21894
USU CHARTER FEDERAL CREDIT UNION Logan $136.43 21019
MEMBERS FIRST CREDIT UNION Brigham City $86.88 14005
TRANSWEST CREDIT UNION Salt Lake City $108.18 12976
BOX ELDER COUNTY FEDERAL CREDIT UNION Brigham City $83.86 12892
EASTERN UTAH COMMUNITY FEDERAL CREDIT UNION Price $95.64 12890
HORIZON UTAH FEDERAL CREDIT UNION Farmington $111.22 12169
HEALTH CARE CREDIT UNION Salt Lake City $65.99 11498
NEBO CREDIT UNION Springville $61.90 10330
WEBER STATE FEDERAL CREDIT UNION Ogden $86.55 9477
CREDIT UNION ONE West Jordan $57.46 9245
AMERICAN UNITED FAMILY OF CREDIT UN FEDERAL CREDIT UNION Salt Lake City $81.29 9021
UTAH HERITAGE CREDIT UNION Moroni $46.77 7146
SUMMITONE FEDERAL CREDIT UNION Ogden $61.85 5962
CHEVRON WEST CREDIT UNION Woods Cross $83.49 5807
PACIFIC HORIZON CREDIT UNION Springville $38.15 5414
MILLARD COUNTY CREDIT UNION Fillmore $26.66 5389
DESERTVIEW FEDERAL CREDIT UNION Huntington $29.40 5189
HERCULES CREDIT UNION Salt Lake City $55.84 4775
NATIONAL J. A. C. L. CREDIT UNION Salt Lake City $31.84 4381
SAN JUAN CREDIT UNION Blanding $12.65 3801
NEPHI WESTERN EMPLOYEES FEDERAL CREDIT UNION Nephi $26.67 3687
ASSOCIATED FEDERAL EMPLOYEES FEDERAL CREDIT UNION Salt Lake City $32.24 3583
FIREFIGHTERS CREDIT UNION Salt Lake City $28.97 3461
EDUCATION 1ST CREDIT UNION Ogden $22.33 3278
PREMIER SERVICES CREDIT UNION Salt Lake City $20.16 3252
FREEDOM CREDIT UNION Provo $22.44 3046
HI-LAND CREDIT UNION Salt Lake City $35.84 2811
PACIFIC RAILS CREDIT UNION West Jordan $23.24 2503
P & S CREDIT UNION Salt Lake City $11.90 2404
LOGAN MEDICAL FEDERAL CREDIT UNION Logan $16.65 2355
GRAND COUNTY CREDIT UNION Moab $15.87 2246
LU 354 I B E W FEDERAL CREDIT UNION Salt Lake City $16.16 2211
LOGAN CACHE RICH FEDERAL CREDIT UNION Smithfield $18.58 2175
UTAH FEDERAL CREDIT UNION Salt Lake City $18.37 2162
SHEET METAL WORKERS LO NO 312 FEDERAL CREDIT UNION Salt Lake City $4.04 2080
KINGS PEAK CREDIT UNION Roosevelt $11.85 2062
GIBBONS AND REED EMPLOYEES FEDERAL CREDIT UNION Salt Lake City $5.11 1847
UTAH PRISON EMPLOYEES CREDIT UNION Draper $3.70 1499
TANNER EMPLOYEES CREDIT UNION Salt Lake City $6.09 1365
DEVILS SLIDE FEDERAL CREDIT UNION Morgan $8.99 1321
C U P FEDERAL CREDIT UNION Provo $6.76 1319
VARIAN SL EMPLOYEES FEDERAL CREDIT UNION Salt Lake City $12.70 1231
GRANTSVILLE FEDERAL CREDIT UNION Grantsville $5.07 1220
ST. MARKS EMPLOYEES FEDERAL CREDIT UNION Salt Lake City $8.21 1176
UINTAH CREDIT UNION Vernal $3.38 1132
NEWSPAPER EMPLOYEES CREDIT UNION Kearns $6.93 988
PROVO POSTAL CREDIT UNION Provo $6.36 974
PROVO POLICE & FIRE DEPT. CREDIT UNION Provo $2.63 967
OREM CITY EMPLOYEES FEDERAL CREDIT UNION Orem $3.95 937
PHILLIPS-WASATCH CREDIT UNION Bountiful $5.62 899
MIDVALLEY FEDERAL CREDIT UNION Murray $6.40 860
DUGWAY FEDERAL CREDIT UNION Dugway $3.85 834
EMPLOYEES FIRST CREDIT UNION Logan $1.81 803
S E A CREDIT UNION Richfield $3.09 803
SUNNYSIDE CREDIT UNION Sunnyside $3.55 766
MEADOW GOLD EMPLOYEES CREDIT UNION Salt Lake City $5.06 645
TEAMSTERS LOCAL #222 FEDERAL CREDIT UNION Salt Lake City $2.47 622
MOON LAKE ELECTRIC EMPLOYEES FEDERAL CREDIT UNION Roosevelt $1.51 518
NORTH SANPETE FEDERAL CREDIT UNION Mt Pleasant $1.22 459
DESERET NEWS EMP. CREDIT UNION Salt Lake City $1.96 428
PEOPLES ELECTRIC POWER CREDIT UNION Vernal $1.24 408
BAILEY, INC. EMPLOYEES CREDIT UNION West Valley City $0.86 398
LOGAN CITY EMPLOYEES CREDIT UNION Logan $0.74 280
UCB CREDIT UNION Salt Lake City $1.40 269
SOUTH SANPETE CREDIT UNION Manti $0.67 205
VALTEK CREDIT UNION Springville $0.70 201
PRESTO LEWISTON EMPLOYEES CREDIT UNION Lewiston $0.25 181
U P CAR DEPT FEDERAL CREDIT UNION North Salt Lake $0.42 181
GRANITE FURNITURE EMPLOYEES FEDERAL CREDIT UNION West Jordan $0.68 152
OGDEN WONDER FEDERAL CREDIT UNION North Ogden $0.46 148
VALLEY WIDE FEDERAL CREDIT UNION Vernal $0.41 147
EMSCO CREDIT UNION Salt Lake City $0.63 135
TRI-COUNTY CREDIT UNION Panguitch $0.17 88
BECKSTRAND AND ASSOCIATES CREDIT UNION Salt Lake City $0.37 75

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