UT borrowing guide
Loans in Utah
Understand the federal baseline, state-specific high-cost lending landscape and where to verify a lender’s license.
Payday lending snapshot
Licensed payday lending may be available
Deferred-deposit or payday products may be available from licensed providers. Loan size, fees, term, renewals, databases, and repayment plans can be limited by state law. Always verify the product and provider with Utah Department of Financial Institutions.
Product library
Utah loan guides
Personal loans
Understand personal loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Everyday borrowingSecured personal loans
Understand secured personal loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Everyday borrowingDebt consolidation loans
Understand debt consolidation loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Everyday borrowingCredit-builder loans
Understand credit-builder loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Everyday borrowingConsumer installment loans
Understand consumer installment loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Short-term & high-costPayday loans
Understand payday loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Short-term & high-costAuto title loans
Understand auto title loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Short-term & high-costPawn loans
Understand pawn loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Vehicle financingAuto loans
Understand auto loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Home financingConventional mortgages
Understand conventional mortgages in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Home financingFHA, VA and USDA home loans
Understand fha, va and usda home loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Home financingHome equity loans
Understand home equity loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Home financingHome equity lines of credit (HELOCs)
Understand home equity lines of credit (helocs) in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Home financingReverse mortgages
Understand reverse mortgages in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → EducationFederal student loans
Understand federal student loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → EducationPrivate student loans
Understand private student loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → BusinessSmall business loans
Understand small business loans in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Everyday borrowingBuy now, pay later
Understand buy now, pay later in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide → Short-term & high-costCredit card cash advances
Understand credit card cash advances in Utah: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read UT guide →