Salt Lake City, UT · West · Allowed
Payday loans in Salt Lake City
Salt Lake City is governed by Utah's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Utah. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Salt Lake City
193,744 residents · Salt Lake County Median household income is $47,243 — below the Utah median of $66,486.
17 storefront locations of 14 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Choice Money Center Title Loans, Installment Loans | 1050 E 3300 S Ste 101, 84106 | (801) 487-3245 | 10:00 AM - 7:00 PM daily |
| 1st Choice Money Center Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 1244 S Redwood Rd, 84104 | (801) 886-1888 | Mon 10:00 AM - 7:00 PM · hours vary |
| 1st Choice Money Center Title Loans, Installment Loans | 552 W 4500th S, 84123 | (801) 262-8277 | Hours not listed |
| 1st Choice Money Center Installment Loans, Title Loans | 1423 S 300th W, 84115 | (801) 487-4121 | Hours not listed |
| Cash America Today Check Cashing/Pay-day Loans, Installment Loans | 1338 S Foothill Dr Ste 195, 84108 | (855) 840-5688 | Mon–Fri 8:00 AM - 7:00 PM · Sat–Sun Closed |
| Complete Student Loans Installment Loans, Financial Advising | 60 South 400 W, 84101 | (801) 266-7538 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Dollar Loan Center Check Cashing/Pay-day Loans | 130 W 2100th S, 84115 | (801) 983-8939 | Mon 9:00 AM - 6:00 PM · hours vary |
| Fatmoney Loans Installment Loans | Salt Lake City, 84120 | (888) 340-0328 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Geva Financial Installment Loans | 50 Broadway, 84101 | (801) 928-9311 | 9:00 AM - 5:00 PM daily |
| KeyX Financial Check Cashing/Pay-day Loans | 2732 S State St, 84115 | (801) 364-2200 | Mon Closed · hours vary |
| LendNation Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 832 W North Temple, 84116 | (801) 359-6300 | Mon 9:00 AM - 6:00 PM · hours vary |
| Loans for Less Title Loans, Installment Loans | 3396 S 300th W, 84115 | (801) 485-9585 | Mon 9:00 AM - 5:30 PM · hours vary |
| Metropolitan Financial Installment Loans | 2480 S Main St Ste 104, 84115 | (801) 486-7194 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Murray Finance Installment Loans | 4904 S State St, 84107 | (801) 264-8400 | Hours not listed |
| Pacifica Lending Installment Loans | Salt Lake City, 84111 | (855) 967-0673 | Hours not listed |
| Security Finance Check Cashing/Pay-day Loans, Tax Services, Installment Loans | 1625 W 700th N Ste C, 84116 | (801) 328-9683 | Mon 9:00 AM - 5:00 PM · hours vary |
| Spring Back Finance Auto Loan Providers, Check Cashing/Pay-day Loans | 1630 N Beck St Ste A, 84116 | (801) 746-8313 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Utah page before visiting. Spot an error? Report it.
The online route in Salt Lake City
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Utah follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Utah regulator.
The rules behind the numbers
Deferred deposit loans are high-cost loans without interest rate caps, intended for short-term financial emergencies only.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 521% - 652% APR. Every compliant lender in Salt Lake City has to fit inside that schedule.
Statute: Utah Code § 7-23-101 et seq.
Regulator: Utah Department of Financial Institutions · dfi.utah.gov
Questions people ask in Salt Lake City
Are payday loans legal in Salt Lake City, UT?
Yes. Storefront payday lending is permitted across Utah, and Salt Lake City runs under the same state rules: maximum loan No fixed dollar cap, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Salt Lake City?
The same as anywhere in Utah: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Salt Lake City?
17 storefronts are listed in Salt Lake City in our 2022-02-20 directory snapshot (14 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Salt Lake City?
Complaints about a lender go to the Utah Department of Financial Institutions (dfi.utah.gov) — keep the loan agreement and every fee disclosure you were given.