Title Loans in Provo

Utah does not set a fixed maximum, but the loan cannot be larger than your vehicle is worth. What you can borrow in Provo comes from your vehicle's value and your ability to repay, which Utah law requires the lender to check, usually about 25% to 50% of the value, not your credit score.

Across the Utah loans we have funded, amounts have ranged from about $800 up to several thousand dollars. For example, a Nissan Pathfinder drew about $4,000.

Utah does not cap the rate, and by law a title loan can reach about 300% a year. Swift Title Loans charges far less than that, and your exact rate depends on your vehicle and your ability to repay.

The charge applies for each 30-day period, so a loan carried for months through rollovers can stack up. There is no penalty for paying early, so clearing it sooner keeps your cost down. As an example, at our example rate a $1,000 loan carries about a $30 charge for 30 days.

You will need to show who you are, that the vehicle is yours, and that you can repay. Have these ready:

• A Utah driver's license or state ID
• The vehicle title in your name
• Proof of income or ability to repay, such as pay stubs or bank statements
• Proof of a Provo-area address, like a utility bill
• Clear photos of your vehicle and its odometer

Everything uploads online, so there is no store visit and no physical inspection.^{^}

Because the loan is secured by your vehicle's title, falling behind can lead to repossession and sale of the vehicle. Utah gives you strong protections, though.

The sale is the lender's only recourse: they cannot pursue you personally for any shortfall, and if the car sells for more than you owe, the surplus is returned to you. If money gets tight, reach out before you miss a payment so we can talk through your options.

Either works. Most Provo borrowers do everything online, but our office is open if you would rather come in:

• 432 W Center St, Provo, UT 84601, (385) 257-3094

Online, most people pre-qualify in under seven minutes,^* with no store visit and no physical inspection,^{^} and approved funds are sent by direct deposit.

Yes. Utah title loans are governed by the Title Lending Registration Act, and lenders must be registered with the Utah Department of Financial Institutions rather than licensed.

Utah does not cap the rate, but it requires the lender to check your ability to repay, limits the loan to your vehicle's value, bars the lender from pursuing you for a shortfall after a sale, and returns any surplus to you. You can confirm a lender through the Utah Department of Financial Institutions before you borrow.