Loan Amounts
In Utah, the minimum loan amount is $50. Loan amounts are based on your income and other factors, loan limits will be determined on an individual basis.
Loan Terms
Minimum of 8 days to a maximum of 36 days. The total loan term cannot exceed 70 days.
Permitted Fees
The Annual Percentage Rate (APR) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.
Extensions and Renewals
If you do not wish to repay your loan on the due date you may choose to extend. In Utah, you may extend/roll-over your loan up to 10 weeks or 70 days. The cost of your extension is determined by the number of days you choose to extend. When your extended loan becomes due, the amount due will deduct electronically from your bank account. Extension requests must be submitted by 6:00 PM Mountain Time on the business day before your loan is due.
Extended Payment Plan (EPP)
The state of Utah gives Deferred Deposit Loan borrowers the opportunity to repay their Deferred Deposit Loan in 4 installments over 60 days rather than in a single lump-sum payment. This option comes with no additional cost and is known as an Extended Payment Plan or EPP.
If you are eligible for an Extended Payment Plan you may request this plan no sooner than the day before the last day of the initial term of your loan. This option may be selected only once within a 12-month period.
Additional Information for Utah Payday Loans
Please click here for the Consumer Guide to Payday Lending in Utah.
Your Right to Rescind (Cancel) this Loan
A borrower has the right to rescind the payday loan on or before 5:00 PM Mountain Time of the next business day following the loan transaction. To rescind your loan you must email or fax us written notice of your intent to rescind, along with written authorization to effect a debit entry to your Bank Account for the principal amount of the loan.
Example Payday Loan APR and Fee Schedule
The table below shows the Annual Percentage Rate (APR) and Finance Charge for various loan amounts.
Utah Payday Loan Renewals/Extensions
If you do not wish to repay your loan on the due date you may choose to extend. In Utah, you may extend/roll-over your loan up to 10 weeks or 70 days. The cost of your extension is determined by the number of days you choose to extend. When your extended loan becomes due, the amount due will deduct electronically from your bank account. Extension requests must be submitted by 6:00 PM Mountain Time on the business day before your loan is due.
Loan Amounts
Loan amounts are based on your income and other factors, loan limits will be determined on an individual basis.
Loan Terms
5 to 6 months
Loan Fees
The Annual Percentage Rate (APR) will vary according to your chosen payback method. Fees are lowered when automatic payments are selected. Please see your loan agreement for terms applicable to your loan.
Example Personal Loan Fees and Payments
Additional Personal Loan Information
Canceling Your Loan
You may rescind your installment loan on or before 5:00 PM Mountain Time of the next business day following the loan transaction. To rescind your loan you must email or fax us written notice of your intent to rescind, along with written authorization to effect a debit entry to your Bank Account for the principal amount of the loan.
What state can my title be issued in?
Vehicle titles need to be issued in the state of Utah for Utah title loans. The title needs to be issued in the same state you are applying for a loan.
Example Fees and Payments:
Rates and fees for title loans in Utah depend on the amount a customer borrows.
All loan examples in this table assume a monthly payment schedule with payments due on the same day of each month. All payment schedules and APRs are examples only, actual monthly amounts and APRs may be higher or lower depending on the month and date of loan origination.
The title loan fee (amount set by Utah law), which is included in the amount financed/loan principal, will be paid directly to the Department of Motor Vehicles from the loan proceeds.
Tax Preparation Features
- No appointment is necessary.
- Customers can file at any time of the year.
- We offer free estimates.
- We do both federal and state taxes.
- We can prepare taxes for residents of any state.
- We can file taxes for individuals and small businesses.
Tax Preparation Fees
Customers can pay the tax preparation fees with their refund.
Additional fees are charged for any other forms needed to complete the tax return.
Tax Refund Advance Loan
Loan Amounts
$150 to $6,000
Loan Terms
The loan is repaid when the customer's tax return comes in. Any additional funds from the tax return after the loan has been repaid goes to the customer.
Money Order Fees
A money order costs $0.59 per order.
Check Cashing Features
In Utah, you can cash the following types of checks:
- Payroll Checks
- Cashier Checks
- Counter Checks
- Government Checks
- Insurance Drafts or Checks
- Money Orders
- Tax Refund Checks
- Personal Checks
- Out-of-State Checks
Check Cashing Amounts
Utah does not have any limits on the check amounts you can cash at Check City.
For customer service issues please call our customer service telephone number at (866) 258-4672.
If a problem cannot be resolved by speaking with the lender and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan, then you may call the Department for Regulatory Relief if warranted.
Utah residents may contact the Utah State Department of Financial Institutions at (801) 538-8830. Residents of other states may contact the regulatory agencies of the states in which they reside.
Below you can find the certifications, licenses, and registrations that Check City works under in order to give our customers the best financial products we can provide. Consumers may find company information through the NMLS Consumer Access link below.
https://www.nmlsconsumeraccess.org/
