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Are title loans legal in Utah?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Utah, and lenders must follow the Utah Title Lending Registration Act, Utah Code Title 7, Chapter 24.

Title loan rules in Utah at a glance

Title loan rules in Utah
Title-loan lawUtah Title Lending Registration Act, Utah Code Title 7, Chapter 24
Rate capNo statutory rate cap — rate set by the loan agreement
Loan-to-value limit100.00
Rollovers and renewalsOnly at the borrower's request; no numeric limit (Utah Code § 7-24-202(3)(a))
RepossessionAllowed after default
Owe the balance after the car is sold?No, the lender cannot collect a remaining balance
Lender licenseRequired (Utah Department of Financial Institutions (DFI))
StatuteUtah Code § 70C-2-101, Utah Code Title 7, Chapter 24

Source: Utah Code § 70C-2-101, Utah Code Title 7, Chapter 24 (read the law). We last checked it against the statute on June 8, 2026. See title loan laws in every state.

What a title loan costs in Utah

Rate rule in Utah: No statutory rate cap — rate set by the loan agreement. We don't show a worked example for Utah because the law doesn't fix one price. Compare the APR and the total you will repay in each lender's written disclosure before you sign.

What happens if you can't repay

If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold, the lender cannot come after you for any balance the sale did not cover.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

How to check a lender in Utah

Title lenders in Utah must be licensed (Utah Department of Financial Institutions (DFI)). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).

Looking for a loan in Utah?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Utah law.

Title loan questions for Utah

01What is the most a title lender can charge in Utah?
No statutory rate cap — rate set by the loan agreement. Your contract must show the APR before you sign.
02Can I roll over a title loan in Utah?
Only at the borrower's request; no numeric limit (Utah Code § 7-24-202(3)(a)). Each renewal adds cost, so ask for the total you will repay.
03What happens if I can't repay a title loan in Utah?
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
04How do I check that a title lender is licensed in Utah?
Title lenders in Utah must be licensed (Utah Department of Financial Institutions (DFI)). You can look a lender up in the official license search.
05Is Lenditup a title lender in Utah?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Utah law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.