Personal loans in Utah
Consumer lending in Utah is regulated by the Utah Department of Financial Institutions. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Utah
| Payday lending | Permitted and regulated — maximum loan amount: None; maximum loan term: A deferred deposit lender that engages in a deferred deposit loan may not: (b) roll over a deferred deposit loan without the person receiving the deferred deposit loan requesting the rollover of the deferred deposit loan; (c) roll over a deferred deposit loan if the rollover requires a person to pay the amount owed by the person under a deferred deposit loan in whole or in part more than 10 weeks from the day on which the deferred deposit loan is first executed. Finance charges: A deferred deposit lender that engages in a deferred deposit loan may not collect additional interest on a deferred deposit loan with an outstanding principal balance 10 weeks after the day on which the deferred deposit loan is executedSource: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | State consumer-loan license requirement: No; must notify the DFI. Statutory basis: Utah Code Ann. §§ 70C-1-101. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: Parties to a written, verbal, or implied contract may agree on any interest rate; otherwise 10% (Utah Code Ann. § 15-1-1). Finance rates and fees for licensed lenders: Rate agreed to by the parties. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Utah are licensed and supervised by the Utah Department of Financial Institutions.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Utah Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Utah Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Utah Department of Financial Institutions; consumers can file complaints with the Utah Department of Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Utah
Salt Lake CityOgdenProvoWest Valley CitySt. GeorgeWest JordanLoganOremSandyLaytonSouth JordanLehiMillcreekTaylorsvilleHerrimanMurrayDraperBountifulRivertonEagle MountainSpanish ForkRoyPleasant GroveSaratoga SpringsKearnsMidvaleTooeleSpringvilleCedar CityCottonwood HeightsAmerican ForkKaysvilleClearfieldHolladaySyracuseMagnaWashingtonSouth Salt LakeFarmingtonClintonNorth Salt LakePaysonNorth OgdenHurricaneBrigham CityHighlandSouth OgdenWest HavenCentervilleBluffdaleHeberSantaquinSmithfieldGrantsvilleVineyardWoods CrossLindonMapletonWest PointPleasant ViewNorth LoganAlpineVernalCedar HillsStansbury ParkTremontonHyrumRiverdaleWashington TerraceSalemHooperIvinsSummit ParkPark CityProvidencePriceRichfieldSouth WeberPlain CityFarr WestSanta ClaraEnochNibleyHarrisvilleRooseveltNephiFruit HeightsSnydervilleMidwayWest BountifulEphraimWhite CitySunsetPerryMoabHyde ParkKanabElk RidgeLa VerkinMaeserMorganWellsvilleMountain GreenGunnisonMount PleasantDeltaMantiBeaverBlandingEast BasinErdaNaplesParowanRichmondKamasGarlandHelperFillmoreMonroeSalinaMonticelloRiver HeightsCoalvilleWolf CreekLewistonBensonDuchesneHuntingtonMarriott-SlatervilleMilfordMonaMillvilleToquervilleWillardEmigration CanyonGenolaHoneyvillePanguitchOakleyWoodland HillsSouth WillardEnterpriseFerronBallardElwoodFrancisWellingtonSilver SummitRiversideUintahWest MountainFairviewLibertyCastle DaleMendonMoroniHideoutCenterfieldDanielWendoverFountain GreenLake ShoreThatcherMantuaOrangevilleSpring CityHildaleWest WoodApple ValleyCoppertonCarbonvilleSpring GlenStocktonBenjamin
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