Online Payday Loans in Utah – Find Alternatives to High-Cost Lending


Unexpected expenses can catch the best of us off guard. It’s ok to need some extra cash once in a while – even if you have a steady income. Just make sure to check out all your options for a cash advance.

Not all cash advances are equal. Payday loans are one option for quick cash – but they can charge extremely high interest rates and finicky payback options.

We’ll go over everything you’ll need to know about payday loans in Utah and explore some safer options.

Options For Payday Loans in Utah

Payday loans are short-term, high-interest loans. They are considered extremely risky loans and are even banned in some states. Payday loans are legal in Utah and there is actually very little regulation on lenders.


  • You have to be at least 18 years old
  • There is no credit score requirement.
  • You will need to show proof of regular income and have a bank account.
  • U.S. citizen or permanent resident

Lenders will pull your credit

Payday lenders won’t typically ask for your credit score. While this may seem like a bonus, remember that your score will go down if you fail to make your payments on time. If you do pay on time – your credit score won’t improve.

Number of Loans

There is no regulation in Utah on how many payday loans you can have at any given time.

Max Loan Amount

There is no maximum loan amount in the state of Utah. The maximum loan term is 70 days.


There is no APR limit in the state of Utah. APRs can be as high as 658% – and even higher.  

Payday Loan Alternatives in Utah

You don’t need to settle for a high interest rate loan. Even if you have no credit history and need cash quickly, there are safer and more affordable options.   


Instacash is a cash advance offered by MoneyLion. Like payday loans, there is no credit check required to get approved, but unlike payday loans, Instacash has an APR of 0%.

You’ll never have to worry about excessive interest rates or fees when you use Instacash. You also won’t have to risk hurting your credit score because Instacash doesn’t report to credit bureaus. Instacash is easy to use and allows you to access your funds anytime and instantly through the MoneyLion app.

You can access up to $250 from your paycheck anytime you need. Use this short term advance for whatever you need. 

Sign up for Instacash

Credit Builder Loans

Even if you have less than perfect credit or no credit history, you can still be eligible for a loan at a fair APR. What you’ll need is a loan that allows you to build up your credit score – otherwise known as a Credit Builder Loan.

With a MoneyLion Credit Builder Plus account, you can borrow up to $1,000 at a competitive  APR. 

MoneyLion will report your payments to all 3 major credit bureaus, so as long as you stay on top of your payments – your score will go up! Best part? You can get your funds deposited into your account the same day. 

Apply for a Credit Builder Loan

InstacashCredit  Builder LoanLocal Payday Lender
How Much  Can You Borrow?$250$1,000Varies based on the lender. 
Fees  & Interest0% APRCompetitive APR, $19.99/month feeUnlimited APR.

There is also no limit to other types of fees you can be charged. 
Impacts  Your Credit?NoYes, it builds your credit score. Yes, will harm your score if you miss a payment.

Won’t improve your score even if you pay on time.
AvailabilityOnline & MobileOnline & MobileIn-Store & Online
Wait TimeInstantly*InstantlyNext business day
Next StepsSign UpSign Up
*24-48 hours to receive your advance at 0 cost. $3.99 for instant deposit to your MoneyLion bank account, $4.99 to instantly deposit to an alternative bank account.

MoneyLion the Safe Alternative to Payday Loans

Payday loans are some of the most predatory lending options around. The state of Utah has a very relaxed approach to payday lenders – meaning they can charge you whatever they want to. The good news is you do have other options. Don’t settle for a payday lender when you can choose a safer and more affordable option for a cash advance.

With MoneyLion, the benefits don’t stop at a 0% APR cash advance. Whether you are looking for more affordable lending options or want to begin investing, MoneyLion is an all-in-one banking destination. Learn more about how opening an account MoneyLion can help you reach your financial goals. 

Sign Up
Sign Up

Get cash fast, pay no interest

Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

Sign Up