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What is a payday loan?
A payday loan is a short-term deferred deposit loan designed to help you make ends meet. It is not intended to be a long-term solution. Other commonly used terms for an payday loan are payday advance, post-dated check loan, payday loan, cash advance, deferred deposit loan, or payroll advance. |
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Why an payday loan?
Let USA Cash Services® be your solution to any short-term financial problems. Payday Loans may be appropriate financial emergencies. A payday loan may help you avoid costly overdraft fees, overdue fees, utility disconnection fees, etc. This is a costly form of credit. You should also consider the costs and benefits of this and any other short-term credit options you may have. |
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How do I get a Utah payday loan?
Our Loans are as easy as 1, 2, 3…
1. Open an Account by filling out our easy Utah online cash payday loan application.
2. Complete a Utah online cash payday loan request.
3. CHOOSE HOW TO RECEIVE YOUR MONEY:
 Directly to your Checking Account within 1 business day.
To your USA Cash Services® Platinum Debit Card within 1 hour. Click Here for Cash Card Info!
You may also receive your loan at one of our many Utah office locations. |
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What does it cost?
In the state of Utah the cost for an payday loan 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 base 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. |
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How do I qualify?
In order to qualify for a payday loan, you must:
Have a minimum of $500.00 a month in verifiable income.
Have an open checking account.
Have valid photo Identification.
Complete our easy Application.
We reserve the right to decline a request for an payday loan for any legitimate reason.
If you are applying at one of many Utah office locations bring the following with you:
Your most recent checking account statement.
Income verification (pay statement).
State or government issued photo ID.
Check Book. |
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Is it safe?
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. |
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Are you licensed?
Yes. Unlike many of our competitors, we provide payday loans only in those states in which we have a business license. Each state has its own set of regulations regarding payday payday loans, and its own auditing requirements. There are also federal 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 concerning our registration, please contact us at 1-877-309-2274. If we are unable to answer your concerns you may also contact the Utah Department of Financial Institutions at (801) 538-8830. |
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Do I need a fax machine?
A lot of our competitors require their on-line customers to fax completed forms in order to apply for a payday loan. We realize that not everyone has access to a fax machine, so we strive to minimize faxing; however, in rare instances, we may require you to fax certain documentation. |
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What if I've filed for bankruptcy?
In most cases, your prior bankruptcy history will not affect your payday loan approval; however, at a minimum, you must be able to provide us with your bankruptcy closing date. |
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Do you sell my information?
USA Cash Services takes your privacy very seriously. We do not sell your private information or tolerate the use of SPAM. We are committed to protecting your privacy. |
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How do I find out if I am approved?
You can find out if you will qualify for a payday loan by completing an Utah online payday loan application. There is no cost or obligation for this pre-qualification service. Once you have completed the on-line application, we will send you an email indicating how much money you may borrow. If you decide to complete our Utah online payday loan request, you will receive two emails from us. You should receive the first email within minutes confirming that we have received and are processing your request. You should receive the second email once your payday loan is approved. If you apply during our regular business hours, your payday loan will generally be approved in about one hour. |
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How do I contact you?
See our contact page.
Email us at info@usacashservices.com.
Call us toll-free at (877) 309-2274. |
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What are your business hours?
Monday - Friday 8 AM to 8 PM (Mountain Time)
Saturdays 10 AM to 3 PM (Mountain Time) |
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When can I get my money?
At USA Cash Services® we have streamlined our application process so that you can have your money as fast as possible. If your payday loan request is completed and approved during our hours (M-F 8 AM to 7 PM and Sat 10 AM to 3 PM (Mountain Time) and you choose:
 Electronic deposit to your checking account, you will generally receive your money the next business day!
Credit to your USA Cash Services® Platinum Debit Card, you will generally receive your money WITHIN AN HOUR of approval! Debit card fees may apply.
Loan requests that are completed after our business hours will generally be processed our next business day. |
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How do bank holidays affect my loan?
We are open on many bank holidays. If we are open and you choose to receive your money on your USA Cash Services® Platinum Debit Card you will generally receive your money within one hour of approval, even if your bank is closed. Debit card fees may apply.
If you choose to receive your money directly into your checking account and your bank is closed, your payday loan will be delayed until your bank is open. When your bank is closed we cannot process payday loans that are deposited directly to your checking account. |
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What if I don't want the loan?
You have the right to cancel this loan without paying the Finance Charge. To do so, you must call us no later than 5:00 p.m. Mountain Time on the next banking business day following the date of this Agreement. We will debit your account for the Amount Financed without any additional charges, and we will cancel your loan. |
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How do I repay?
 Automatic Payment (Our computers automatically withdraw repayment funds from your account on the due date.)
Pay in cash at one of our many office locations.
If you cannot repay, you may be able to extend your Utah cash payday loan. See "What is an extension" for more details. |
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What is an extension?
A payday loan can be extended for a maximum of 31 days for each extension. You may extend multiple times, however; the entire loan must be paid in full within 12 weeks. Under Utah regulation, a deferred deposit payday loan may not be extended beyond 12 weeks from the date (start date) of the original payday loan. |
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Can I pay off my payday loan early?
Yes. You may prepay your payday loan 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 visit one of our many Utah office locations or contact the web department and we can automatically debit your checking account for an early payoff. |
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What if I cannot repay my payday loan?
Call us immediately! Our computers are set up to withdraw funds automatically from your checking account on the due date. If you cannot repay, you may be eligible to extend your Utah cash payday loan. See "What is an extension" for more details. If you cannot extend your payday loan and you know that there are not enough funds in your checking account it is important that you contact us toll free (1-877-309-2274) before your loan is due. Contacting us prior to your due date may save you (and us) costly bank overdraft (NSF) fees. |
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What if I default on my payday loan?
If you do not repay your payday loan or contact us to make acceptable payment arrangements, we may report information about your payday loan to Teletrack, a national database used by most payday loan companies nationwide. Late payments, missed payments or other defaults on your payday loan transaction may be reflected in your history with Teletrack. |
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How soon can I get another payday loan?
An payday loan is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. Utah regulations allow you to request another payday loan. Once your bank confirms with you that your payday loan has been paid, you are welcome to submit another Utah cash payday loan request. |
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What other services do you provide?
USA Cash Services provides a variety of services:
Payday Loans
Platinum debit cards
Title loans
Tax services |
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