No Rate Cap, But a Hard Time Limit
Utah allows licensed lenders to set their own rates, but state law caps the total loan term — including any rollovers or extensions — at 10 weeks (70 days). After that point, interest can no longer continue accruing on the loan, which puts a ceiling on how much a struggling loan can ultimately cost.
Right to an Extended Payment Plan
If you request an extended payment plan before your original due date, Utah law generally requires the lender to grant it, giving you a structured way to pay off the loan over time instead of an immediate lump-sum requirement.
Limits on Collection Practices
Utah restricts certain aggressive collection tactics tied to a defaulted payday loan, including limits on the criminal-prosecution threats and wage-garnishment paths some lenders in less-regulated states rely on.
| Factor | Utah Rule |
|---|---|
| APR/fee cap | None — set by individual lenders |
| Maximum term (including extensions) | 10 weeks (70 days) |
| Interest accrual | Must stop after 10 weeks |
| Extended payment plan | Lender generally must offer if requested before the due date |
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