Utah Standard Fee Rates
We offer installment loans with the following Annual Percentage Rates (APRs):
- 599%
- 549%
- 499%
- 449%
Annual Percentage Rate (APR) Examples
Example loan disclosure provided:
- APR: 599%
- Amount Financed: $300.00
- Finance Charge: $562.70
- Total Payments: $862.70
Payment Schedule Example
5 monthly payments beginning 06/13/2026
- Four (4) payments of $172.53
- One (1) final payment of $172.58 due 10/13/2026
| Payment No. | Date | Payment Amount | Principal Allocation | Interest | Remaining Balance |
|---|---|---|---|---|---|
| 1 | 06/13/2026 | $172.53 | $22.78 | $149.75 | $277.22 |
| 2 | 07/13/2026 | $172.53 | $34.15 | $138.38 | $243.07 |
| 3 | 08/13/2026 | $172.53 | $51.20 | $121.33 | $191.87 |
| 4 | 09/13/2026 | $172.53 | $76.75 | $95.78 | $115.12 |
| 5 | 10/13/2026 | $172.58 | $115.12 | $57.46 | $0.00 |
| Totals | $862.70 | $300.00 | $562.70 | $0.00 |
Inception / Origination Fees
We do not charge inception fees or origination fees.
Standard Loan Terms
We offer installment loans.
Standard repayment structure:
- Monthly payment schedule
- Fixed payment amounts
- Fully amortizing repayment structure over the loan term
Example term shown:
- $300 loan repaid over 5 monthly payments
Separate Fee Breakdown by Loan Product
Installment Loan Product
- Loan Type: Installment Loan
- APR Options: 599%, 549%, 499%, 449%
- Origination Fees: None
- Finance Charges:
- Example: $562.70 finance charge on a $300 loan
- Payment Frequency: Monthly
- Example Total Repayment:
- $862.70 total repayment on a $300 loan at 599% APR