Check City |
Utah
Financial Services
Below we have outlined the features, terms, rates, and fees for all the financial services available to Check City customers in this state. For more information, contact Check City and speak to a customer service representative.
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Payday Loan

Loan Amounts

In Utah, the minimum loan amount is $50. Loan amounts are based on your income and other factors, loan limits will be determined on an individual basis.

Loan Terms

Minimum of 8 days to a maximum of 36 days. The total loan 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 and 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

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

Your Right to Rescind (Cancel) this Loan

A borrower has the right to rescind the payday loan on or before 5:00 PM 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.

Personal Loan

Loan Amounts

Loan amounts are based on your income and other factors, loan limits will be determined on an individual basis.

Loan Terms

5 to 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

Additional Personal Loan Information

Canceling Your Loan

You may rescind your installment loan on or before 5:00 PM 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.

Installment Loan

Loan Amounts

$500 to $5,000

Loan Fees

ACH installment loans have lower interest rates than non-ACH installment loans.

Title Loan

What state can my title be issued in?

Vehicle titles need to be issued in the state of Utah for Utah title loans. The title needs to be issued in the same state you are applying for a loan.

Example Fees and Payments: 

Rates and fees for title loans in Utah depend on the amount a customer borrows. 

All loan examples in this table assume a monthly payment schedule with payments due on the same day of each month. All payment schedules and APRs are examples only, actual monthly amounts and APRs may be higher or lower depending on the month and date of loan origination. 

The title loan fee (amount set by Utah law), which is included in the amount financed/loan principal, will be paid directly to the Department of Motor Vehicles from the loan proceeds. 


Tax Preparation Services

Tax Preparation Features

  • No appointment is necessary. 
  • Customers can file at any time of the year.
  • We offer free estimates. 
  • We do both federal and state taxes. 
  • We can prepare taxes for residents of any state. 
  • We can file taxes for individuals and small businesses. 

Tax Preparation Fees

Customers can pay the tax preparation fees with their refund. 

Additional fees are charged for any other forms needed to complete the tax return.

Tax Refund Advance Loan

Loan Amounts

$150 to $6,000

Loan Terms

The loan is repaid when the customer's tax return comes in. Any additional funds from the tax return after the loan has been repaid goes to the customer. 


Money Order and Money Transfer

Money Order Fees

A money order costs $0.59 per order. 

Check Cashing

Check Cashing Features

In Utah, you can cash the following types of checks:  

  • Payroll Checks
  • Cashier Checks
  • Counter Checks
  • Government Checks
  • Insurance Drafts or Checks
  • Money Orders
  • Tax Refund Checks
  • Personal Checks
  • Out-of-State Checks

In Utah, you can also take advantage of these business check cashing perks:

  • NO enrollment fees
  • NO 3 to 10-day check processing holds
  • Funds available instantly
  • Freedom to accept checks from your customers
  • Convenient and professional locations

Check Cashing Amounts

Utah does not have any limits on the check amounts you can cash at Check City. 


Questions or Concerns?

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.

Loan License, Registration, and Certificates

Below you can find the certifications, licenses, and registrations that Check City works under in order to give our customers the best financial products we can provide.