Car Title Loans in Utah2026 Guide
Car title loans are legal in Utah under the Title Lending Registration Act (Utah Code § 7-24-101). Learn state registration mandates, written disclosure rules, redemption rights, and surplus refund guidelines in 2026.
Legal Status & Regulations
Governing Law
Utah Code § 7-24-101
Last Reviewed: April 2026
Law Summary
Utah authorizes title lending under the Title Lending Registration Act (Utah Code § 7-24-101 et seq.), overseen by the Utah Department of Financial Institutions (DFI). Utah does not cap interest rates or loan amounts, but requires all lenders to register annually and issue clear written contracts detailing fee structures and repossession procedures. Borrowers hold vehicle redemption rights prior to sale, and surplus auction proceeds must be refunded to the borrower.
Real Rate Example in Utah
A $1,500 loan in Utah at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Utah Dept. of Financial Institutions