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Utah Rates & Terms

Utah State License

Utah Speedy Cash loan agreements are governed by the State of Utah.

View example finance charges.

Cash Advanced for 7 Days

Advance Amount: $100.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$6.90
Minimum Payment Due: $8.90
Pay in Full Amount: $106.90
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $200.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$13.81
Minimum Payment Due: $17.81
Pay in Full Amount: $213.81
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $300.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$20.71
Minimum Payment Due: $26.71
Pay in Full Amount: $320.71
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $400.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$27.62
Minimum Payment Due: $35.62
Pay in Full Amount: $427.62
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $500.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$34.52
Minimum Payment Due: $44.52
Pay in Full Amount: $534.52
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $750.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$51.78
Minimum Payment Due: $66.78
Pay in Full Amount: $801.78
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

Cash Advanced for 14 Days

Advance Amount: $100.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$13.81
Minimum Payment Due: $15.81
Pay in Full Amount: $113.81
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $200.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$27.62
Minimum Payment Due: $31.62
Pay in Full Amount: $227.62
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $300.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$42.42
Minimum Payment Due: $47.42
Pay in Full Amount: $342.42
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $400.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$55.23
Minimum Payment Due: $63.23
Pay in Full Amount: $455.23
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $500.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$69.04
Minimum Payment Due: $79.04
Pay in Full Amount: $569.04
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $750.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$106.56
Minimum Payment Due: $118.56
Pay in Full Amount: $856.56
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

Cash Advanced for 30 Days

Advance Amount: $100.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$29.59
Minimum Payment Due: $31.59
Pay in Full Amount: $129.59
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $200.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$59.18
Minimum Payment Due: $63.18
Pay in Full Amount: $259.18
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $300.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$88.77
Minimum Payment Due: $94.77
Pay in Full Amount: $388.77
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $400.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$118.36
Minimum Payment Due: $126.36
Pay in Full Amount: $518.36
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $500.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$147.95
Minimum Payment Due: $157.95
Pay in Full Amount: $647.95
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%
Advance Amount: $750.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled 		$221.92
Minimum Payment Due: $236.92
Pay in Full Amount: $971.92
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR** for Cash Advances: 360%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

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Online Line of Credit Questions

How much money can I borrow?

Utah residents may be eligible to receive up to $750 with an online line of credit from Speedy Cash.

How much will my loan cost?

With a Speedy Cash line of credit, fees are based on daily interest. Your minimum loan payment will be 2% of the principal, plus the accrued interest at 0.9863014% daily interest (which corresponds to 30% per month, or 360% annually). By making your payments on time - or paying your balance in full early - you can maximize the value of your loan and save on fees!

When will my loan be due?

Your line of credit payments will typically be scheduled around your pay days; either bi-weekly, bi-monthly, or monthly. With each payment, you have the option to pay only the minimum amount due, or you can pay an additional amount to pay down your balance quicker.

How can I get more cash?

A line of credit is flexible, so as long as your loan is active you will be able to withdraw funds against your line of credit anytime (up to your credit limit). As you pay down your principal, you will have access to more cash.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.