Utah Personal Loan & Payday Loan Information

Please click here for the Consumer Guide to Payday Lending in Utah

Rates and Terms for Utah Personal Loans

Loan Amounts:	Based on your income and other factors, loan limits will be determined on an individual basis.
Repayment Terms:	5-6 Months
Loan Fees:	The Annual Percentage Rate (“APR”) will vary according to your chosen payback method. Fees are lowered when automatic payments are selected. Please see your loan agreement for terms applicable to your loan.

Example Personal Loan Fees and Payments:

*The Annual Percentage Rate (APR) is the cost of your loan expressed as a yearly rate.
Your cost of credit will increase if the actual loan term is shorter than this example and will decrease if your loan term is longer.

Additional Personal Loan Information:

Cancelling Your Loan: You may rescind your installment loan on or before 5:00 p.m. Mountain Time 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.

Rates and Terms for Utah Payday Loans

Loan Amounts:	In Utah, the minimum loan amount is $50.00. Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan:	Minimum 8 Days – Maximum 36 Days. Total term cannot exceed 70 days.
Permitted Fees:	The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.
Extensions/Renewals:	If you do not wish to repay your loan on the due date you may choose to extend. In Utah, you may extend/roll-over your loan up to 10 weeks or 70 days. The cost of your extension is determined by the number of days you choose to extend. When your extended loan becomes due, the amount due will deduct electronically from your bank account. Extension requests must be submitted by 6:00 PM Mountain Time on the business day before your loan is due.

Additional Information for Utah Payday Loans

Your Right to Rescind (cancel) this loan – A borrower has the right to rescind the payday loan on or before 5:00pm Mountain Time 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 Payday Loan APR and Fee Schedule

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

Utah Payday Loan Renewals/Extensions

If you do not wish to repay your loan on the due date you may choose to extend. In Utah, you may extend/roll-over your loan up to 10 weeks or 70 days. The cost of your extension is determined by the number of days you choose to extend. When your extended loan becomes due, the amount due will deduct electronically from your bank account. Extension requests must be submitted by 6:00 PM Mountain Time on the business day before your loan is due.

Regulated by the Department of Financial Institutions

Questions or Complaints: For customer service issues please call our customer service telephone number at (866)258-4672. If a problem cannot be resolved by speaking with the lender and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan then you may call the Department for regulatory relief, if warranted. Utah residents may contact the Utah State Department of Financial Institutions at (801) 538-8830. Residents of other states may contact the regulatory agencies of the states in which they reside.