What to know about title pawns and title loans in Utah: APR ranges, what lenders typically require, and lower-cost alternatives to consider first.
Last reviewed on April 27, 2026.
Utah title loans are legal and lightly regulated. Lenders must register with the Utah Department of Financial Institutions and operate in Salt Lake City, West Valley City, Provo, Ogden, and St. George.
Utah sets no ceiling on title loan interest, so APRs are set by the market and commonly land between 180% and 300%. State law does limit the loan to the vehicle’s fair market value and gives borrowers some protection on rollovers, described below.
Use our loan calculator to estimate your monthly payment based on Utah's typical interest rates.
Because there is no cap, the difference between a good and bad Utah title loan can be hundreds of dollars a month on the same car. Run the numbers in our title loan calculator, read the before-you-sign checklist, and check the alternatives first.
To qualify for a title loan in Utah, you'll typically need: