Utah Online Loan Rates and Fees

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Rates and Fees

Utah Online Rates and Fees

Utah

Annual Percentage Rate/Fee Schedule

Loan Amounts

Monto del Préstamo

In UT, the minimum loan amount is $100.00.

The maximum pending loan amount is no limit.

Based on your income and other factors, loan limits will be determined on an individual basis.

Loan Cost

Costo del Préstamo

The cost of a loan is $17.00 per $100 borrowed.

The Annual Percentage Rate ("APR") will vary depending on the length of your loan (see table below).

Additional Information

Your Right to Rescind (cancel) this loan - A borrower has the right to rescind the payday loan on or before five pm of the next business day following the loan transaction. To rescind your loan you must email or fax us written notice of your intent to rescind, along with written authorization to effect a debit entry to your Bank Account for the principal amount of the loan.

Example APR and Fee Schedule

The table below shows the Annual Percentage Rate ("APR") and Finance Charge for various loan amounts.

Length of Loan (days)	Annual Percentage Rate ("APR")	$100.00	$200.00	$300.00	$400.00	$500.00
7	886.43%	$17.00	$34.00	$51.00	$68.00	$85.00
8	775.62%	$17.00	$34.00	$51.00	$68.00	$85.00
9	689.44%	$17.00	$34.00	$51.00	$68.00	$85.00
10	620.5%	$17.00	$34.00	$51.00	$68.00	$85.00
11	564.09%	$17.00	$34.00	$51.00	$68.00	$85.00
12	517.08%	$17.00	$34.00	$51.00	$68.00	$85.00
13	477.31%	$17.00	$34.00	$51.00	$68.00	$85.00
14	443.21%	$17.00	$34.00	$51.00	$68.00	$85.00
15	413.67%	$17.00	$34.00	$51.00	$68.00	$85.00
16	387.81%	$17.00	$34.00	$51.00	$68.00	$85.00
17	365%	$17.00	$34.00	$51.00	$68.00	$85.00
18	344.72%	$17.00	$34.00	$51.00	$68.00	$85.00
19	326.58%	$17.00	$34.00	$51.00	$68.00	$85.00
20	310.25%	$17.00	$34.00	$51.00	$68.00	$85.00
21	295.48%	$17.00	$34.00	$51.00	$68.00	$85.00
22	282.05%	$17.00	$34.00	$51.00	$68.00	$85.00
23	269.78%	$17.00	$34.00	$51.00	$68.00	$85.00
24	258.54%	$17.00	$34.00	$51.00	$68.00	$85.00
25	248.2%	$17.00	$34.00	$51.00	$68.00	$85.00
26	238.65%	$17.00	$34.00	$51.00	$68.00	$85.00
27	229.81%	$17.00	$34.00	$51.00	$68.00	$85.00
28	221.61%	$17.00	$34.00	$51.00	$68.00	$85.00
29	213.97%	$17.00	$34.00	$51.00	$68.00	$85.00
30	206.83%	$17.00	$34.00	$51.00	$68.00	$85.00
31	200.16%	$17.00	$34.00	$51.00	$68.00	$85.00
32	193.91%	$17.00	$34.00	$51.00	$68.00	$85.00
33	188.03%	$17.00	$34.00	$51.00	$68.00	$85.00
34	182.50%	$17.00	$34.00	$51.00	$68.00	$85.00
35	177.29%	$17.00	$34.00	$51.00	$68.00	$85.00
36	172.36%	$17.00	$34.00	$51.00	$68.00	$85.00

Loan Renewals/Extensions

Renovación del Préstamo/Prórrogas

If you do not want to repay your loan on the due date you may extend your loan until your next payday.

We encourage taking advantage of the option to make a partial payment on the loan balance when requesting an extension. There is no penalty for paying down a balance and depending on your state, doing so may result in a reduction of fees charged.

Extension requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

When a loan is extended, the accrued interest will be withdrawn from your bank account on the current due date. Additional interest will then begin to accrue at the same rate as the original loan.

When your extended loan becomes due, we will electronically deduct the loan amount and the accrued interest from your bank account.

In Utah, the maximum number of extensions is 4.
The total duration of the loan, including extensions, may not exceed 70 days from the origination date.

Loan License/Registration

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

*Loan proceeds issued through our website are generally deposited via EFT for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.