Car Title Loans in Utah2026 Guide
Utah allows title loans with minimal restrictions.
Legal Status & Regulations
Governing Law
Utah Code § 7-24-101
Last Reviewed: April 2026
Law Summary
Utah is a very permissive state for title lending under the Title Lending Registration Act (Utah Code § 7-24-101). There are no interest rate caps or maximum loan amounts. Lenders must be registered with the Department of Financial Institutions and provide a written contract with specific disclosures regarding the cost of the loan and default terms. Utah law also requires that if a vehicle is repossessed, the lender must provide a notice of intent to sell the vehicle. Borrowers have a right to redeem the vehicle by paying the full balance due. Any surplus from the sale of a repossessed vehicle must be returned to the borrower after the loan balance and reasonable repossession costs are covered.
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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Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Utah Dept. of Financial Institutions