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Title Loans in Utah

In a Nutshell: Car Title Loans in Utah

Title loans are legal in Utah and are regulated under the Title Lending Registration Act (Utah Code Title 7, Chapter 24), overseen by the Utah Department of Financial Institutions (DFI). Title lenders must register with the department.

Utah sets no statutory rate cap. The Act requires lenders to follow the Utah Consumer Credit Code, which lets the parties agree the finance charge (§ 70C-2-101). That makes the written schedule of interest and fees — shown both in dollars and as an APR — the key document to read before you sign.

What Utah does limit is the loan itself: it cannot exceed your vehicle's fair market value, only one title loan may be open on a vehicle, and the lender must consider your ability to repay. If you default, repossession is the lender's only remedy.

Key Takeaways: Title Loans in Utah

Use your vehicle title as collateral and keep driving your car.
Approval is based mainly on your vehicle and income, with less emphasis on credit history.
Visit your nearest Swift Title Loans branch in Utah for a free, no-obligation estimate.
Bring a clear vehicle title, proof of income, and a valid ID to your in-branch visit.
Title loans carry high APRs — use them for short-term needs and make timely payments to avoid repossession.
Have questions? Call us at (888) 557-7115 or stop by your local branch.

Utah Title Loan Regulations and Key Details

Utah Title Loan Rules at a Glance

Rule	What Utah Allows
Legal structure	Title Lending Registration Act (Utah Code Title 7, Chapter 24); lenders register with the Utah Department of Financial Institutions
Rate cap	None. The finance charge is set by the loan agreement (Utah Code § 70C-2-101)
Loan size	May not exceed the fair market value of the vehicle
Loans per vehicle	Only one title loan on a vehicle at a time
Ability to repay	The lender may not lend without regard to your ability to repay
Rollovers	Only at your request; no numeric limit (Utah Code § 7-24-202(3)(a))
Disclosure	The lender must post and orally review a schedule of all interest and fees, give you a written contract and disclosure form, and comply with the Truth in Lending Act
Repossession	Permitted on default; repossession is the lender's sole remedy
Deficiency	Not permitted — the lender may not pursue you for any balance left after repossession
Collection limits	No wage garnishment and no criminal prosecution

What a Title Loan Costs in Utah

We do not publish a Utah cost table, and that is deliberate. Utah sets no maximum rate, so there is no legal ceiling to show — printing a representative APR would suggest a limit that does not exist.

What to use instead: the schedule of interest and fees the lender must post and review with you, stated both as dollar amounts and as an APR. Compare the total dollar cost, not just the monthly payment.

Consumer Protections in Utah

Utah title lenders must register with the Department of Financial Institutions. You can look up a lender on NMLS Consumer Access before you borrow.

Because Utah does not cap the price, its protections focus on the loan and on collection. The loan cannot exceed your vehicle's fair market value, only one title loan may be open on the vehicle, and it may be rolled over only at your request. If you default, the lender's only remedy is the vehicle: it may not pursue you personally, garnish your wages, seek a deficiency after sale, or have you criminally prosecuted. Complaints go to the Utah Department of Financial Institutions.

Get a Title Loan in Utah — Stop By Your Nearest Branch

Utah residents can get started with Swift Title Loans in person. Visit your nearest branch with your vehicle, its title, proof of income, and a valid ID. A team member will inspect your vehicle, review your paperwork, and walk you through our simple 3-step branch process. If approved, you may get same-day cash, subject to lender policies. Prefer to talk first? Call us at (888) 557-7115.

Why Choose Swift Title Loans?

Visit Your Nearest Branch

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Apply in 7 minutes. Get cash as fast as the same business day when you apply before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

Experience a title loan process that’s quick, local, and built around your needs

(888) 557-7115 Visit Our Branches

How It Works in Utah

Getting the cash you need is quick and simple with our title loan process

01 Apply in Minutes

Complete a simple form from your phone or computer. A quick branch visit, no appointment needed. 7 minutes for pre-approval.

02 Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

03 Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

04 Sign & Drive

Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*

Example of Title Loan Funded in Utah

Here's a real example of a funded title loan from our branch:

	2016 Nissan Murano	2018 Mazda MX-5 Miata
Loan Term	24 month	36 month
Estimated Vehicle Value	$11411	$9510
Loan Amount	$2718	$2522
Processing Fee	$75	$75
Lien Recording Fee	$15	$15
Monthly Payment	$205.04	$160.66
Monthly Interest	5.42	5.42
APR	65.00%	65.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Borrowing Responsibly in Utah

Before you sign, be clear on the payment, the number of payments, and the total you will have paid when the schedule ends. The figures in your own agreement are the ones that count, not the examples on any website — ours included.

Other Options Worth Comparing

A title loan is one way to cover a shortfall, and it is worth putting it next to a few alternatives before you commit your car's title. A credit union small-dollar loan, a payment plan negotiated directly with the biller, a paycheck advance from your employer, or help from a local assistance programme will often cost less. If none of those work, borrow the smallest amount that solves the problem and pay it off as quickly as your budget allows.

Keep your vehicle in the picture too. The title is the security, so a loan you cannot repay puts the car you rely on at risk — and in most cases that car is worth considerably more than the loan.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Is there an interest rate cap on title loans in Utah?

No. Utah sets no statutory rate cap on title loans. Lenders must follow the Utah Consumer Credit Code, which lets the parties agree the finance charge (§ 70C-2-101), so your rate is the one in your loan agreement.

How much can I borrow on a title loan in Utah?

Utah law does not allow a title loan to exceed the fair market value of the vehicle securing it, and only one title loan may be open on a vehicle at a time. The lender must also consider your ability to repay.

Can my Utah title loan be rolled over?

Only if you ask for it. Under Utah Code § 7-24-202(3)(a) a lender may not roll over a title loan unless you request it, though the law sets no numeric limit on rollovers.

What happens if I cannot repay?

Repossession is the lender's only remedy. After the vehicle is repossessed and sold, the lender may not pursue you for any remaining balance, garnish your wages or seek criminal prosecution.

What must the lender show me before I sign?

A complete schedule of interest and fees, stated as dollar amounts and as an APR, which the lender must post and review with you orally. You also receive a written contract and a disclosure form.

How do I check that a lender is registered in Utah?

Look the lender up on NMLS Consumer Access. Utah title lenders register with the Department of Financial Institutions, which also handles complaints.

Visit a Branch. Get Cash Fast.

Car title loans at a branch near you. A quick in-person visit, same-day funds available.*

Visit Our Branches (888) 557-7115

Call Us

207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449

Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT, ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. Loan availability, terms, and approval depend on state law and individual qualifications.

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.