Cash Advance Utah


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There are only a handful of states that don’t impose legal limits on cash advances. Utah is one of those states. The average interest rate for cash advances in states like Utah are usually a bit higher than in more regulated states. Still, a cash advance in Utah can be a viable solution for short-term financial needs. Try to pay off the loan as quickly as you can, so you don’t get too caught up in the high interest rates. We’ll help you stay up-to-date on the latest Utah cash advance laws. If you’d like to get the ball rolling on that loan request, then use our secure loan request form.

Current State Cash Advance Statutes for Utah

There is no maximum loan amount limit for cash advances in Utah, but you must pay off your loan within 10 weeks. There is also no limit to the finance rate and fees that a lender can charge you.

Some states have rules governing the amount of collection fees a lender is allowed to charge if you default on your loan. Utah is not one of those states. That’s one reason to be extra careful while reading through the terms and conditions of your cash advance loan. Utah lenders are allowed to pursue criminal charges.

Utah Payday Loan Regulations

Small loans that you pay back when you expect to receive your next paycheck are sometimes referred to as payday loans. This is the same financial product that we have been referring to as “cash advances” so far on this page. The two loan products are regulated the same.

  • How Payday Loans Work – When you need an emergency payday loan online, one option loan customers use is a loan that’s paid back in a relatively shorter period of time than other kinds of funding.
  • Maximum Amount – Unlike many other states where lenders are limited on how much they are allowed to offer to a customer, lenders can offer as much as they want.
  • Repayment Extensions – Lenders are allowed to offer rollovers up to 10 weeks from the original loan date.

State Economy

Before you take out a cash advance, you might be curious about what the current state economy is like in Utah. Right now, the unemployment rate in Utah is at 3.5-percent. That’s low when compared to neighboring states. Nevada is currently at 7-percent and Arizona is at 5.8-percent.

The lack of state regulations for cash advances in Utah makes it a dangerous place to get a short-term loan. If you need money fast and have exhausted all your other options, we recommend you be extra careful and try to pay your loan off as quickly as possible.


* strives to present accurate information on each state’s regulations; however, we do not guarantee accuracy of data as presented. Please contact your state’s department of finance or visit your state’s official website for the most accurate information and inquiries. You can find your state’s site here:

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