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Utah Rates and Terms

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Utah Consumer Information

Utah Installment Loan Terms

Utah Installment Loans are available in amounts from $300 up to $5,000* based on your qualifications. We charge an origination fee from $15 to $75 depending on the loan amount. See below for the terms of a representative example of an Installment Loan. In the case of a late payment, we may charge a late payment fee of $15.

Installment Loan proceeds are deposited directly into your checking account and paid back over 6, 12, 18 or 24 months with bi-weekly, semi-monthly or monthly payments typically tied to your payday schedule**. If you choose to make extra loan payments or loan payments more frequently than your loan agreement requires, you may decrease the amount of finance costs paid over the life of the loan.

Representative Example Of Utah Installment Loan Annual Percentage Rate (APR):

A 12 month Installment Loan of $1,500 would require 12 payments of $349.16. APR: 250.65%***.

*Installment Loans from $300-$2,000 are available in $100 increments, and Installment Loans from $2,500-$5,000 are available in $500 increments ($2,500, $3,000, $3,500, etc.).

**Some loan durations are not available with specific loan amounts. Our system will choose a payment frequency based on your payday schedule. If you want a different payment frequency, please call our friendly customer service at 1-800-460-4305 to make your request. A monthly payment frequency may significantly increase finance costs paid over the life of the loan.

***Your actual APR will vary based on the interest rate you qualify for, payment frequency and other factors.

For additional information, learn more about how an Installment loan works.

If you have questions, concerns, or a complaint regarding your Cash Central deferred deposit loan, please call us at 1-800-460-4305. Utah residents may also contact the Utah State Department of Financial Institutions at 1-801-538-8830 if we are unable to adequately address your concerns.

Utah Department of Financial Institutions
PO Box 146800
Salt Lake City, UT 84114-6800
Phone: (801) 538-8830
https://dfi.utah.gov/

Utah Payday Loan Terms

Cash Central wants to help you get the funds you need when you need them. Cash Central loans in Utah will put funds from your payday loan directly into your checking account. In general, the due date of your loan is tied to your next pay date. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal, or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

A 13 day Payday Loan of $500.00 has an APR of 758.08%. Finance Charge: $135.00.

To view additional examples of payday loan fees, select a loan amount and duration from the drop-down menus below. Your results will be shown below once you select a loan amount, duration, and click the ‘Submit’ button.

 
day Payday Loan of has an APR of %. Finance Charge: .

To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.

This payday loan fee calculator is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Loan Amounts available depending on your earnings & approval
$100 $200 $300 $400 $500 $600 $700 $800
Term in Days APR Finance Charge
4 2463.75% $27 $54 $81 $108 $135 $162 $189 $216
5 1971.00% $27 $54 $81 $108 $135 $162 $189 $216
6 1642.50% $27 $54 $81 $108 $135 $162 $189 $216
7 1407.86% $27 $54 $81 $108 $135 $162 $189 $216
8 1231.88% $27 $54 $81 $108 $135 $162 $189 $216
9 1095.00% $27 $54 $81 $108 $135 $162 $189 $216
10 985.50% $27 $54 $81 $108 $135 $162 $189 $216
11 895.91% $27 $54 $81 $108 $135 $162 $189 $216
12 821.25% $27 $54 $81 $108 $135 $162 $189 $216
13 758.08% $27 $54 $81 $108 $135 $162 $189 $216
14 703.93% $27 $54 $81 $108 $135 $162 $189 $216
15 657.00% $27 $54 $81 $108 $135 $162 $189 $216
16 615.94% $27 $54 $81 $108 $135 $162 $189 $216
17 579.71% $27 $54 $81 $108 $135 $162 $189 $216
18 547.50% $27 $54 $81 $108 $135 $162 $189 $216
19 518.68% $27 $54 $81 $108 $135 $162 $189 $216
20 492.75% $27 $54 $81 $108 $135 $162 $189 $216
21 469.29% $27 $54 $81 $108 $135 $162 $189 $216
22 447.95% $27 $54 $81 $108 $135 $162 $189 $216
23 428.48% $27 $54 $81 $108 $135 $162 $189 $216
24 410.63% $27 $54 $81 $108 $135 $162 $189 $216
25 394.20% $27 $54 $81 $108 $135 $162 $189 $216
26 379.04% $27 $54 $81 $108 $135 $162 $189 $216
27 365.00% $27 $54 $81 $108 $135 $162 $189 $216
28 351.96% $27 $54 $81 $108 $135 $162 $189 $216
29 339.83% $27 $54 $81 $108 $135 $162 $189 $216
30 328.50% $27 $54 $81 $108 $135 $162 $189 $216
View this as a pdf Utah Payday Loan Fees

If you have questions, concerns, or a complaint regarding your Cash Central deferred deposit loan, please call us at 1-800-460-4305. Utah residents may also contact the Utah State Department of Financial Institutions at 1-801-538-8830 if we are unable to adequately address your concerns.

Utah Department of Financial Institutions
PO Box 146800
Salt Lake City, UT 84114-6800
Phone: (801) 538-8830
https://dfi.utah.gov/

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

How your due date is determined:

The term of these payday loans is 4-30 days. The system will set your loan due date to coincide with your next payday, unless your next payday is less than 4 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal or, if you’ve provided it, the debit card associated with your checking account. Under Utah law, we cannot extend or refinance your loan for a period longer than ten weeks from the initial execution date of your loan. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due.

If you do not want us to withdraw the total amount due you have the option to refinance your loan until your next payday. Refinances result in more finance charges paid over the life of the loan. The cost to refinance your loan is $27.00 per $100.00 borrowed. The $27.00 fee covers earned interest for the extended period. We recommend paying an additional amount toward the principal balance to reduce the amount of fees you will pay for refinancing your loan.

The refinance fee will be withdrawn from your account on your due date. You have the option to refinance your payday loan three (3) times. We must receive your refinance request before 7:45 PM Eastern, one banking day before your loan is due.

If you are unable to repay your loan on the due date, you may enter into an Extended Payment Plan which allows you to pay off your loan in five payments, over no less than 60 days. An Extended Payment Plan is only available to you once in any 12-month period or any time you have paid 10 consecutive weeks of interest on one deferred deposit loan. You must notify us before 6:00 PM Eastern the day before your due date if you are unable to pay.

For more information on repayment options such as courtesy moves, refinances, and extended or variable payment plans, please contact us at 1-800-460-4305, or visit our FAQ page.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Utah. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits or drafts to your account in the amount up to, or less than the amount owed, until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your Cash Central/CCF loan, please contact us by calling 1-800-460-4305 or by sending us an email at customerservice@cashcentral.com.

Your Right To Rescind This Loan:

You have the right to rescind your loan without incurring any charges by notifying us of your desire to rescind and by returning the loan amount to us on or before 5:00 PM Eastern, on the next business day following the date on which the loan was executed.