Car Title Loans in Utah

Title loans are legal in Utah under the Utah Title Lending Registration Act (Utah Code Title 7, Chapter 24, secs. 7-24-101 through 7-24-305). Loans Inc connects Utah residents with participating independent lenders that offer this product. We are not a lender; the lender you are matched with decides whether to approve you and on what terms. This page explains what Utah law allows, who enforces it, and what to check before you sign.

Are title loans legal in Utah?

Yes. The provisions that apply are Utah Code Title 7, Chapter 24, secs. 7-24-101 through 7-24-305.

The operative language in the statute reads: “It is unlawful for a person to extend a title loan in Utah or with a Utah resident unless the person: (i) registers with the department”

Recent change: Sec. 7-24-102 shows ‘Amended by Chapter 482, 2025 General Session’ (definitions, including ‘Nationwide database’ and exclusion of loans with a repayment term longer than 364 days). Sec. 7-24-202 shows ‘Amended by Chapter 87, 2007 General Session’ – no 2023 or 2024 amendment and no ‘10% of income’ rule appears anywhere in Chapter 7-24.

Who regulates title lenders in Utah

Title lenders in Utah are supervised by the Utah Department of Financial Institutions. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.

Rate caps and fees in Utah

No statutory cap stated in Chapter 7-24 (chapter read in full). Sec. 7-24-202(1)(a) requires posting a complete schedule of interest or fees as dollar amounts and APRs; (1)(b) requires the contract to state total interest/fees as a dollar amount and APR; (1)(e)(iv) requires compliance with Title 70C, Utah Consumer Credit Code.

Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).

Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.

What the law says about cost in Utah

Utah law sets no maximum interest rate for this loan (Utah Code Chapter 7-24). The lender sets the rate by contract and must disclose the APR, fees, and total cost in writing before you sign. Because there is no ceiling, no illustrative maximum can be shown for Utah; read the disclosure carefully, compare offers, and see our costs and rates guide for how title loan pricing works.

Loan terms in Utah

Sec. 7-24-102(4)(c)(iv) (as amended 2025): ‘Title loan’ does not include ‘a loan with a repayment term that is longer than 364 days’. Sec. 7-24-102(2): ‘Rollover’ means the extension or renewal of the term. Sec. 7-24-202(3)(a): may not rollover a title loan unless the borrower requests it; (3)(b) may not extend more than one title loan on any vehicle at one time. No minimum term and no numeric rollover limit stated.

Repossession rules in Utah

Sec. 7-24-204: except in the event of fraud by the borrower, on default ‘the title lender’s sole remedy is to seek repossession and sale of the property securing the title loan’; the lender ‘may not pursue the borrower personally for’ repayment or any deficiency; after sale the lender ‘shall return to the borrower any proceeds from the sale in excess of the amount owed’. No pre-repossession notice or cure period stated in Chapter 7-24.

A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. If you are struggling to pay, contact the lender before the due date; the options available to you are set by the loan agreement and Utah law.

Your rights as a borrower in Utah

Sec. 7-24-202(1)(b): written contract with borrower name, transaction date, loan amount, total interest/fees as dollar amount and APR, and the designated agent for service of process; (1)(c) copy of contract to borrower; (1)(d) oral review of terms (interest/fee as dollars and APR, due date) and delivery of the DFI disclosure form (sec. 7-24-203: costs, consequences of default, alternatives, credit counseling); (1)(e) compliance with TILA, ECOA, Bank Secrecy Act and Utah Consumer Credit Code; (2) internet lenders must give the disclosures conspicuously before the loan and list states where registered; (3)(d) may not lend ‘without regard to the ability of the person seeking the title loan to repay’ (income, obligations, employment) – (4) satisfied by borrower’s signed acknowledgment; sec. 7-24-201(1)(b) mobile lending facilities unlawful; sec. 7-24-304 civil liability preserved. Prepayment: not stated.

How title loans work in Utah: requirements and process

Lenders in our network typically ask Utah applicants for:

• A vehicle title in your name, free of other liens
• A government-issued photo ID
• Proof of income or ability to repay
• Proof of Utah residence
• A vehicle inspection, often completed with photos

You apply once through our site; the lender you are matched with reviews the application and vehicle and makes the approval decision. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator. In Utah, a title lender may not ‘extend a title loan that exceeds the fair market value of the vehicle securing the title loan’; no dollar cap stated. Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender’s approval, when you apply, document verification, and your bank’s processing.

Alternatives to a title loan in Utah

Before you borrow against your car, compare lower-cost options available to Utah residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.

Frequently asked questions

Sources

Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.