Utah Disclosures and Fee Schedule

Questions or Complaints

For customer service issues, please call our customer service telephone number at 800-589-0290.

If the problem cannot be resolved by speaking with one of our customer service agents, and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan, then you may call the regulatory agency of the state in which you reside for regulatory relief, if warranted.

Utah residents may contact the Utah State Department of Financial Institutions at 801-538-8830.

Residents of other states may contact the regulatory agency of the state in which they reside.

Utah Disclosures and Fee Schedule

We are registered with the Utah Department of Financial Institutions as Wilshire Consumer Credit.

  • The APR for our car title loans in Utah ranges from 8.99% to 149.99% depending on your creditworthiness. Loan amounts range from $2,000 to $25,000 with a term of 24 to 44 months. Most loans will be charged an origination fee of 5% of the amount financed. This means, for example, that a $2,000 loan will be charged an origination fee of $100.

There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the origination fee is not refundable.

Utah’s Range Rate

Admin $100 Admin $200 Admin $500
Interest Annual Number Loan Amount Loan Amount Loan Amount
Rate Percentage of $2,000 $4,000 $10,000
Percent Rate Payments Total Total Total
Finance Finance Finance
Charge Charge Charge
Monthly for term Monthly for term Monthly for term
Pmts of Loan Pmts of Loan Pmts of Loan
4.58% 8.99% 24       91.36          92.52     182.73          185.45       456.80          463.12
4.78% 8.99% 25       88.02       100.56     176.05          201.34       440.11          502.81
4.97% 8.99% 26       84.95       108.73     169.90          217.46       424.73          543.09
5.13% 8.99% 27       82.09       116.54     164.19          233.07       410.47          582.69
5.29% 8.99% 28       79.45       124.63     158.90          249.27       397.26          623.15
5.44% 8.99% 29       76.99       132.77     153.98          265.54       384.94          663.19
5.57% 8.99% 30       74.69       140.65     149.38          281.30       373.44          703.26
5.70% 8.99% 31       72.54       148.78     145.08          297.56       362.71          743.87
5.82% 8.99% 32       70.53       156.86     141.05          313.74       352.61          783.64
5.93% 8.99% 33       68.63       164.90     137.27          329.77       343.17          824.43
6.03% 8.99% 34       66.85       172.82     133.70          345.64       334.24          864.12
6.14% 8.99% 35       65.18       181.25     130.34          361.90       325.89          906.29
6.23% 8.99% 36       63.59       189.27     127.18          378.54       317.95          946.35
6.32% 8.99% 37       62.09       197.47     124.19          394.90       310.47          987.26
6.40% 8.99% 38       60.67       205.48     121.34          410.97       303.35      1,027.42
6.49% 8.99% 39       59.33       214.02     118.67          428.01       296.67      1,070.04
6.56% 8.99% 40       58.05       222.01     116.10          444.03       290.25      1,110.07
6.64% 8.99% 41       56.84       230.52     113.68          461.05       284.21      1,152.58
6.70% 8.99% 42       55.68       238.43     111.35          476.90       278.39      1,192.18
6.76% 8.99% 43       54.57       246.49     109.15          493.34       272.87      1,233.38
6.83% 8.99% 44       53.52       255.07     107.05          510.08       267.62      1,275.24
Admin $100 Admin $200 Admin $500
Interest Annual Number Loan Amount Loan Amount Loan Amount
Rate Percentage of $2,000 $4,000 $10,000
Percent Rate Payments Total Total Total
Finance Finance Finance
Charge Charge Charge
Monthly for term Monthly for term Monthly for term
Pmts of Loan Pmts of Loan Pmts of Loan
88.74% 89.99% 24     182.10    2,370.40     364.19      4,740.56       910.48    11,851.52
88.86% 89.99% 25     179.42    2,485.50     358.81      4,970.25       897.10    12,427.50
88.96% 89.99% 26     176.99    2,601.74     353.98      5,203.48       884.96    13,008.96
89.06% 89.99% 27     174.80    2,719.60     349.61      5,439.47       874.02    13,598.54
89.14% 89.99% 28     172.81    2,838.68     345.61      5,677.08       864.03    14,192.84
89.22% 89.99% 29     171.00    2,959.00     341.99      5,917.71       854.98    14,794.42
89.29% 89.99% 30     169.35    3,080.50     338.69      6,160.70       846.73    15,401.90
89.35% 89.99% 31     167.83    3,202.73     335.67      6,405.77       839.17    16,014.27
89.40% 89.99% 32     166.45    3,326.40     332.89      6,652.48       832.23    16,631.36
89.46% 89.99% 33     165.19    3,541.27     330.39      6,902.87       825.97    17,257.01
89.50% 89.99% 34     164.03    3,577.02     328.06      7,154.04       820.14    17,884.76
89.54% 89.99% 35     162.96    3,703.60     325.93      7,407.55       814.81    18,518.35
89.58% 89.99% 36     161.99    3,831.64     323.98      7,663.28       809.95    19,158.20
89.61% 89.99% 37     161.08    3,959.96     322.17      7,920.29       805.42    19,800.54
89.65% 89.99% 38     160.27    4,090.26     320.54      8,180.52       801.35    20,451.30
89.68% 89.99% 39     159.51    4,220.89     319.02      8,441.78       797.56    21,104.84
89.70% 89.99% 40     158.80    4,352.00     317.60      8,704.00       794.01    21,760.40
89.72% 89.99% 41     158.15    4,484.15     316.30      8,968.30       790.74    22,420.34
89.74% 89.99% 42     157.56    4,617.52     315.10      9,234.20       787.74    23,085.08
89.77% 89.99% 43     157.01    4,751.43     314.02      9,502.86       784.98    23,754.14
89.78% 89.99% 44     156.50    4,886.00     312.98      9,771.12       782.45    24,427.80
Admin $100 Admin $200 Admin $500
Interest Annual Number Loan Amount Loan Amount Loan Amount
Rate Percentage of $2,000 $4,000 $10,000
Percent Rate Payments Total Total Total
Finance Finance Finance
Charge Charge Charge
Monthly for term Monthly for term Monthly for term
Pmts of Loan Pmts of Loan Pmts of Loan
149.45% 149.99% 24     265.71    4,277.47     531.43      8,553.91    1,328.57    21,385.28
149.52% 149.99% 25     263.87    4,496.98     527.74      8,993.97    1,319.36    22,483.74
149.58% 149.99% 26     262.25    4,718.11     524.51      9,437.27    1,311.28    23,592.49
149.63% 149.99% 27     260.83    4,942.69     521.66      9,885.38    1,304.16    24,711.88
149.68% 149.99% 28     259.57    5,168.76     519.18    10,336.62    1,297.91    25,835.49
149.72% 149.99% 29     258.48    5,396.27     516.96    10,792.54    1,292.41    26,979.28
149.75% 149.99% 30     257.51    5,625.76     515.02    11,251.53    1,287.56    28,126.47
149.78% 149.99% 31     256.65    5,857.64     513.31    11,712.60    1,283.27    29,282.83
149.80% 149.99% 32     255.89    6,087.96     511.78    12,175.92    1,279.44    30,442.85
149.82% 149.99% 33     255.21    6,323.74     510.43    12,644.00    1,276.07    31,611.74
149.84% 149.99% 34     254.62    6,558.24     509.25    13,112.53    1,273.11    32,787.27
149.86% 149.99% 35     254.10    6,794.76     508.21    13,525.03    1,270.51    33,969.33
149.87% 149.99% 36     253.63    7,030.71     507.28    14,059.89    1,268.15    35,153.56
149.89% 149.99% 37     253.23    7,269.08     506.46    14,538.17    1,266.15    36,345.42
149.90% 149.99% 38     252.86    7,510.07     505.72    15,020.14    1,264.31    37,543.79
149.91% 149.99% 39     252.54    7,747.73     505.08    15,495.46    1,262.69    38,746.07
149.92% 149.99% 40     252.25    7,992.77     504.51    15,977.15    1,261.27    39,947.07
149.93% 149.99% 41     252.00    8,234.11     504.00    16,468.22    1,260.01    41,161.06
149.93% 149.99% 42     251.77    8,468.89     503.56    16,952.47    1,258.83    42,365.94
149.94% 149.99% 43     251.57    8,718.80     503.14    17,437.61    1,257.86    43,581.88
149.95% 149.99% 44     251.40    8,962.53     502.80    17,925.05    1,257.00    44,812.63