Payday Loans in Utah
Utah permits registered deferred-deposit lenders and does not set a general statewide interest-rate ceiling. The law instead emphasizes disclosure, registration, partial-payment and rescission rights, a maximum 10-week consecutive-interest period, and extended-payment-plan protections.
Utah legal category: Deferred Deposit Loan · Utah Code Title 7, Chapter 23 — Check Cashing and Deferred Deposit Lending Registration Act
Utah payday loans at a glance
- Legal status
- Permitted Regulated
- Legal category
- Deferred Deposit Loan
- Maximum amount in this regime
- The cited Utah deferred-deposit provisions do not set a single statewide dollar maximum. The $200–$1,000 range shown by PLS Cash Advance is editorial routing, not a Utah statutory amount ceiling.
- Term
- Up to 70 days
- Regulator
- Utah Department of Financial Institutions
- Verified
- 2026-09-07
Choose a loan type by amount
PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.
Payday Loans in Utah
Editorial payday route only; Utah law does not establish $1,000 as a deferred-deposit maximum.
Installment Loans in Utah
Editorial multi-payment route; Utah law does not impose a $5,000 statutory loan ceiling.
Amount and term limits
The cited Utah deferred-deposit provisions do not set a single statewide dollar maximum. The $200–$1,000 range shown by PLS Cash Advance is editorial routing, not a Utah statutory amount ceiling.
Utah limits the combined terms of the original deferred-deposit loan and rollovers so that the borrower is not required to pay more than 10 weeks of consecutive interest. Extended payment-plan protections apply after the statutory interest period.
Interest, fees and repayment
Deferred-deposit pricing is contract-based and subject to disclosure and other statutory protections, including Utah’s unconscionability rule; no universal APR cap is asserted.
Utah requires disclosure of the interest rate and fees but does not impose a general statutory interest-rate ceiling; the Department of Financial Institutions states that Utah law does not specify an interest-rate ceiling.
A deferred-deposit loan is initially structured around a future check/debit date, but Utah requires an extended payment-plan pathway in specified circumstances and permits partial principal payments without additional charges above the contract.
Rollovers, refinancing and early payment
- Rollover allowed?
- Yes
A rollover may occur only at the borrower’s request and may not extend the combined original/rollover period beyond 10 weeks of consecutive interest. - Prepayment penalty allowed?
- No
The borrower may make partial principal payments of at least $5 before maturity without additional charges above those in the written contract and may rescind by returning the loan amount by 5 p.m. the next business day.
Utah borrower protections
- Deferred-deposit lenders must register with Utah DFI.
- The combined original-loan and rollover period cannot require more than 10 weeks of consecutive interest.
- Borrowers may make partial principal payments without extra charges above the written contract.
- Borrowers may rescind by returning the loan amount by 5 p.m. the next business day.
- Extended payment-plan protections apply under Chapter 23.
Utah loan cost calculator
How to verify a lender in Utah
Regulator: Utah Department of Financial Institutions.
Deferred Deposit Lender Registration
Official sources
- Utah Code Title 7, Chapter 23 — Deferred Deposit Lending · primary
- Utah DFI — Deferred Deposit Lender · primary
- Utah DFI — Interest Rates · primary
Last regulatory verification: 2026-09-07. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.