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Utah Frequently Asked Questions



Looking for an Advance Once You Have Applied
What is a Payday Loan? How do I find out if I am approved?
Why a Payday Loan? How do I contact you?
Is USA Cash Services a Direct Lender? What are your business hours?
How do I get a Utah Payday Loan? When will I receive my money?
What does it cost? How do bank holidays affect my Loan?
How do I qualify? What if I don't want the loan?
Is it safe? How do I repay?
Are you licensed? What is an extension?
What if I've filed for bankruptcy? Can I pay early?
Do you sell my information? What if I cannot repay?
What if I have a Complaint or Concern? What if I default?
When can I get another payday loan?
What other services do you provide?

What is a Payday Loan? ^Top
A payday loan is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. Other commonly used terms are cash advance, payday advance, post-dated check loan, deferred deposit loan, or payroll advance.
Why a Payday Loan?  ^Top
USA Cash Services® can provide you with a solution to any short-term financial problems. A payday loan may help you avoid costly overdraft fees, overdue fees, utility disconnection fees, etc. There are a wide varity of loan products available i the markentplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
Is USA Cash Services a Direct Lender?  ^Top
Yes. USA Cash Services is a direct lender. Many websites that appear to be payday lenders are only collection your information so that they can sell it to others. USA Cash Services will not sell your information to anyone. As a direct lender, we are the company that issues and services the loans.
How do I get a Utah Payday Loan?  ^Top
Our Payday Loans are as easy as 1, 2, 3…
1. Submit an application for an online payday loan.   Already a customer? Sign-In to Apply.
2. Contact us! Our number is: 801-476-4242.
3. Once approved, you will typically receive your money directly to your checking account within 1 business day.

You may also receive your payday loan at one of our many Utah locations.
What does it cost?  ^Top
In the state of Utah, the cost for a deferred deposit varies depending on the length of your loan and amount you borrow, however there is a minimum fee of $10.00. For example, if you borrow $200.00 for 14 days, our fee would be $40.00, which equals APR of 521.43%. This is approximately $10 per week for every $100.00 you borrow. This APR is based on an example term of one payment due in 14 days.

The APR may increase or decrease from a maximum of 1460% (for a 5 day $50 loan) to a minimum of (521.29% for a 22 day $50 loan). APR variations are based on two factors. The first APR variation is caused by our minimum fee of $10.00. The second APR variation is caused by rounding (and our commitment to fully and accurately disclose our finance charges and APRs), since we must round fees to the nearest cent. If your actual payday loan is different than this example. Please use our fee calculator to determine the exact cost of your payday loan before you apply.
How do I qualify?   ^Top
In order to qualify online in Utah you must:
  • Have a verifiable source of  income.
  • Have an open checking account.
  • Valid government issued photo ID.
If you meet these basic requirements, Please complete our easy Online Application or visit one of our  store locations.

We reserve the right to decline a request for an advance for any legitimate reason.
Is it safe?   ^Top
We make every effort to ensure that your confidential information remains private. Our Website uses Secure Socket Layer (SSL) technology with signed digital certificates. Our technology encrypts all of your information to assure your privacy and safety. For more information see our security policy.
Are you licensed?  ^Top
Yes. Unlike many of our competitors, we provide loans only in those states in which we have a business license. Each state has its own set of regulations regarding post dated check loans, and its own auditing requirements. There are also federal regulations governing our internet-based postdated check loan transactions. It is our policy to comply with all applicable state and federal laws and regulations. In the state of Utah we are regulated by the Utah Department of Financial Institutions. If you have any questions concerning our registration, please contact us at 801-476-4242. If we are unable to answer your concerns you may also contact the Utah Department of Financial Institutions at (801) 538-8830
Are you licensed?  ^Top
Yes. Unlike many of our competitors, we provide loans only in those states in which we have a business license. Each state has its own set of regulations. There are also federal laws and regulations governing our internet-based payday loan transactions. It is our policy to comply with all applicable state and federal laws and regulations. In the state of Utah, we are regulated by the Utah Department of Financial Institutions. If you have any questions or concerns, please contact us at 801-476-4242. If we are unable to answer your concerns you may also contact the Utah Department of Financial Institutions at (801) 538-8830.
What if I've filed for bankruptcy?  ^Top
In most cases, your prior bankruptcy history will not affect your approval; however, at a minimum, you must be able to provide us with your bankruptcy closing date.
Do you sell my information?  ^Top
USA Cash Services takes your privacy very seriously. We do not sell your private information.  Click Here to view our Privacy Policy.
What if I have a complaint or concern?  ^Top
For Questions or Complaints regarding Title or Payday Loans, please contact our management at: 801-476-4242 or Click Here to submit a form online.

You may also contact our regulatory agency: THE UTAH STATE DEPARTMENT OF FINANCIAL INSTITUTIONS: at 801-538-8830
How do I find out if I am approved?  ^Top
  • Complete the Utah online Payday Loan applicatio.
  • Call us at 801-476-4242 (We must review the terms of your loan.)
  • We will send you a confirmation email once you are approved.
How do I contact you? ^Top
What are your business hours? ^Top
Monday - Friday 8 AM to 8 PM (Mountain Time)
Saturdays 8:30 AM to 3 PM (Mountain Time)
When will I recieve my money? ^Top
If your payday loan request is completed and approved by 7:30 PM MT, Monday - Friday, you will generally receive your money the next business day.
  • If your payday loan request is approved by 7:30 PM MT, Monday-Thursday, your funds will be available in your checking account the next day.
  • If it is approved by 7:30 PM MT on a Friday, your funds will be available in your checking account the following Monday.
  • If your loan request is submitted after 7:30 PM on a Friday, or anytime on a Saturday or Sunday, and approved either on Saturday before 3 PM MT or on Monday before 7:30 PM MT, your funds will be available in your checking account on Tuesday.
How do bank holidays affect my loan? ^Top
If you apply for a loan the business day before a bank holiday, the funds for your approved loan will typically not be available in your checking account until the business day after the holiday.
What if I don't want the loan?  ^Top
You have the right to cancel your loan without incurring any charges if you take one of the following actions before 6 P.M. MST on the next business day following the start date of your loan: (a) Contact us at 801-476-4242, and authorize us to immediately initiate an electronic debit to your bank account for the full principle amount; (b) Pay the full principle amount back with a card. (The card processor may charge a fee.) Or; (c) Return the full Principal Amount to us in person at any USA Cash Services store location in the form of cash, certified check or money order. If any electronic debit is returned unpaid for any reason, your loan will not be cancelled, and you will remain obligated to repay your loan as provided in this Agreement.
How do I repay? ^Top
  • Automatic debit from your checking account.
  • Cash, certified check, or money order at one of our store locations.
  • Certified check or money order via mail.
    • Must be received by the loan due date.
    • Mail to: 1752 Combe Rd #1, Ogden, UT 84403.
  • Debit card over the phone. (The card processor charges a fee for this option.)
What is an extension?  ^Top
You may be able to extend your loan. To do so simply Sign-In to your account and complete the form. In Utah, a payday loan can be extended for a maximum of 31 days for each extension. You may extend multiple times. Under Utah regulations, a deferred deposit loan may not be extended beyond 10 weeks from the start date of the original loan.
Can I pay early? ^Top
Yes. You may prepay at any time without penalty. In Utah you are entitled to a rebate of a percentage of your fees if you pay off early.
To pay off early:
  • to authorize an early debit from your checking account or to pay with a card. (If you choose to pay with a card, the card processor charges a fee for that service. We do not charge a fee for any of the other payment methods available.)
  • Visit one of our Utah store locations to pay via cash, certified check, or money order.
What if I cannot repay? ^Top
Call us immediately! You may be eligible to extend your Utah payday loan. If you cannot extend your loan and you know that there are not going to be enough funds in your checking account on the loan due date, it is important that you contact us (801-476-4242) before your loan is due. Contacting us prior to your due date may save you costly bank fees.
What if I default? ^Top
If you default, please contact us ASAP. We will work with you to get your account back in good standing. We report information regarding your debt to a consumer reporting agency.
When can I get another Payday Loan ^Top
A payday loan is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. If you are in need of another loan, you are welcome to Sign-In and submit another request anytime you have credit available, as long as:
  • You do not havea ny past due loans with us.
  • You do not hae any loans that are due within the next two business days.
What other services do you provide? ^Top
USA Cash Services provides a variety of services:


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We comply with each state's current regulations. For questions, compliments or complaints, contact us at 801-476-4242 or via email at:info@usacashservices.com.
You may also contact your  State's Regulatory Agency. Services on this site are available only to U.S. residents of states in which USA Cash Services is licensed or registered. 
© Copyright 2001 USA Cash Services. All rights reserved.  (Terms and Conditions)  Notice: Payday Loans are an expensive form of credit.

Customer Notice: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.