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      Online Payday Loans in Utah

      We've all found ourselves there a time or two, when some unforeseen expense pops up be it vet fees, utility shutoff notices, or maybe a payment that we didn't remember. In these moments, you should apply for a payday loan in Utah.

      The process of applying for a cash advance loan is fast and easy. Nevertheless, you do need to meet specific guidelines to ensure you're approved.

      What Exactly is a Payday Loan And Why Is It Needed?

      A payday loan is when a person borrows a small amount of money on a short-term basis that they're obligated to pay back with their next paycheck. This kind of loan requires no collateral, which is why it's thought of as an unsecured personal loan.

      Getting a cash advance loan will help cover emergency expenses that occur such as car fees, health bills, eviction notices, outstanding utility costs, and plenty more.

      What Are The Requirements For Cash Advance Loans in the State of Utah?

      To be approved for a cash advance loan in Utah there are some standards the borrower has to meet to qualify, like:

      • Be 18 years of age or older
      • Be able to submit a social security number
      • Show proof of Utah residence
      • Submit proof of a stable income of $1,000 per month or more
      • Share an email address and phone number
      • You cannot be bankrupt or in debt

      The inability to satisfy the requirements above will result in an automatic denial of your loan request. Always check that you have the right documents on hand when requesting a loan.

      Payday Loan Rules and Laws in Utah

      With cash advance loans come specific rules and laws particular to the city. We've outlined a couple of these, pertaining to the state of Utah:

      • The maximum loan amount is $500 for a single payment back and $1,000 for multiple repayments
      • The annual percentage rate is 304%
      • The state of Utah does not condone rollovers therefore the loans must be repaid within the due time frame

      There are specific time frames for one-time payment loans and multiple installment loans.

      Minimum Term

      • The borrower has seven days to pay back a single-payment loan
      • For multiple installment loans, the borrower has 60 days to remit payment

      Longest Term

      • The borrower will receive no more than 31 days to pay back a single-payment loan
      • 90 days will be allotted to the borrower for repayment on a multiple installment loan

      Do Payday Loan Lenders Review Credit History?

      Lenders will run a credit check, but it's not the usual credit pull you may be thinking of. They will complete what's called a soft credit check which reviews your general details as well as your overall credit history.

      The soft credit check will not impact your credit, while alternatively, a hard credit pull will. However, this requires your permission and is commonly only used for rental applications, credit cards, auto loans, and other financial matters.

      Can I Be Approved For a Cash Advance Loan with Bad Credit in Utah?

      If you're concerned because you have lackluster credit; don't be! You can still be eligible for a cash advance loan with less than stellar credit or no credit, in Utah. As long as you have proof that you can repay the loan, lenders commonly aren't preoccupied with your credit rating.

      Whether you apply online or at a payday lender storefront local to you, never go without your proof of income available as well as other documents proving that you're able to repay the loan. With more evidence, you boost the likelihood of approval.

      When Will The Cash Appear In My Bank Account?

      Typically, most borrowers should expect that their deposit will appear in their bank account the next business day. Although, this relies upon a few things such as:

      • The time and day you apply
      • Who you bank with

      If you apply before 10:30 AM when you are going for a same-day cash advance loan in Utah, it will increase the likelihood that you see your funds on the same day you apply. Obviously, only if you're approved.

      Remember that banks, as well as a lot of other financial institutions, close during the weekends, and on holidays. So, if you apply the day leading up to a holiday, or before the weekend, there's a possibility your deposit will be delayed.

      Who Do You Do Your Banking With?

      Another thing you'll want to be mindful of is who you do your banking with. Banks have their own protocols concerning releasing funds. A handful may be okay with releasing them the same day whereas others will have a 3 to 5 day holding period.

      What you can do is notify your banker that you are requesting a payday advance loan so that they may be able to make an exception on when to release the funds to your bank account. If they won't offer an exception, you can ask them what their policy is so that you know for the future.

      Payday Application Process In the State of Utah

      The cash advance loan application process in Utah is simple. It doesn't depend on if you have no credit or even lackluster credit, you can still get approval. You don't need to venture out if you want to apply through us online. Alternatively, you can locate your nearest lender's storefront.

      Either way, whatever you decide, all you must have is your basic information like your email address, phone number, social security number, etc.

      Should you decide to visit your local lender at their storefront, make sure you have your government ID or passport to verify your identity. They might also want verification of address to verify you live in Utah, as well as proof of income.

      Think About Borrowing From Us

      We are an online service that provides payday loan applications online in the State of Utah. We are working closely with over a hundred direct lenders who also provide services online. Plan to receive your cash advance by the next business day.

      If you would rather, you can always find the nearest cash advance loan storefront and apply in person. This might strengthen the likelihood that you see your money on the same business day provided that you apply prior to 10:30 AM.

      To find a cash advance loan storefront close to you, locate your city on the list below:

      Utah Payday Loan Regulations
      Legal Status
      Interest Rate (APR)
      Maximum Loan Amount
      No Limit
      Maximum Loan Term
      May not exceed 10 weeks
      Finance Charges
      No usury limit