Utah Personal Loan Laws and Regulations (UT)

(last updated 11/13/2019)
Utah law does not specify an interest rate ceiling, but does have an “unconscionability” provision (Section 70C-7-106 of the Utah Code). Rates are determined by the market; in other words, competition and demand determine the interest rate. Generally, the worse an applicant’s credit rating, the higher the interest rate charged, however some types of loans such as payday loans, post dated check loans, or “car title loans” tend to have very high interest rates whether the borrower’s credit is good or bad. If you have reasonably good credit, you are nearly always better off avoiding lenders who offer loans to people with bad credit.

In order for consumers to have a standard basis for comparing rates, the federal Truth in Lending Law (Regulation Z) requires disclosure of the interest rate charged as an Annual Percentage Rate (APR). We recommend that you make use of the information available to you and compare rates available to you prior to applying for a loan.
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Utah, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Utah Department of Financial Institutions.
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Utah. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Utah Personal Loan Lending Regulator (UT)

Regulating Authority
Utah Department of Financial Institutions
324 South State Street
Suite 201
Salt Lake City, UT 84111
(801) 538-8830

Agency for Handling Complaints
Utah Department of Financial Institutions
Attn: Supervisor of Consumer Credit and Compliance, Eva Rees
PO Box 146800
Salt Lake City , UT 84114-6800
(801) 538-8830


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