Car Title Loans

  • Get up to $25,000 online
  • No credit checks required
  • No store visit required
  • Keep driving your car while making payments
Apply Now
Won't affect your credit score

Online title loans in Utah

Get the money you need without the hassle. Sound Financial makes applying online for a title loan in Utah simple, safe, and secure.

Instant decisions

Apply online and get an instant decision within seconds.

Same-day funding

Get your funds deposited in your account as soon as today.

Secure application

Your data is protected with bank-level encryption.

Utah rates and terms

Full transparency is our goal at Sound Financial. Get access to the interest rates and terms to help you make a sound financial decision.

Loan amount

$200 - $25,000

Repayment term

30 - 180 days

APR range

36% - 350%

* Loan amount, repayment term, and APR shown are for representative purposes only. Your actual rates and terms will be determined by your lender based on your creditwortiness and other factors.

How title loans work in Utah

Have you noticed that your paychecks just don’t seem to go as far as they used to? People all over the Beehive State are facing similar situations. It’s not just the economy, though. The cost of living is rising from Utah to Provo, Ogden to Taylorsville. Bad credit can make the situation seem even bleaker.

Happily, Utahans like you have access to a flexible funding option that can help you avoid those financial shortfalls. A title loan can give you access to up to $25,000 depending on your vehicle even if you have low or bad credit.

What is a title loan?

A title loan is exactly what it sounds like — a loan tied to your vehicle’s title. It’s a type of secured loan, unlike most personal loans and credit cards, which are unsecured (and thus only available to those with high credit scores).

Unlike conventional loans, title loans have nothing to do with your credit score. Because of this, title loans come with a higher interest rate and the risk of vehicle repossession.

Learn: Can you get a title loan with bad credit?

Utah title loan requirements

While there’s no credit check to get a title loan, there are a handful of requirements you’ll need to meet. Those include the following:

  • A Utah driver’s license or state-issued ID
  • A lien-free vehicle title
  • Proof of income
  • Proof of residency in Utah
  • A running vehicle

Learn: Can I get a title loan without the title?

You must also be over the age of 18 and not be an active-duty service members of the US Military.

The title loan process

Unlike conventional loans, online title loans don’t require a lot of hassle or stress. The process is very brief and includes just six steps.

1. Application

This step takes just a few seconds, and you’ll just need to provide the lender with some basic information.

2. Verification

The lender will verify your personal, financial, and vehicle-related information before moving forward.

3. Inspection

In some cases, the lender will send a representative for an in-person inspection of your vehicle. However, other lenders may only require that you send them pictures of specific parts of the vehicle.

Learn: Can you get a title loan with a damaged car?

4. Agreement

If the vehicle passes muster, the lender will make you an offer. If you like the terms, you just need to read, sign, and send the agreement back.

5. Disbursement

This is the part of the process you’ve been waiting for. Your funds will be disbursed (usually via direct deposit to your bank account).

Learn: Can you get a title loan without a bank account?

6. Repayment

This process usually takes 30 days and involves you paying the lender the agreed-upon amount in full. Once paid, you'll get your title back from your lender.

Learn: What happens if you don’t pay a title loan back?

How title loans are regulated in Utah

Title loans in Utah are currently regulated under the Utah Title Lending Registration Act.

Title loans are legal in Utah and the state doesn’t put a cap on how much you can borrow. That will be up to the lender. There is also no cap on the interest, so some lenders may charge high interest rates. If you default on your loan (can’t make the payments) then the lender is within their rights to repossess your vehicle to recoup their losses.

Cost considerations and title loan alternatives

The cost of a title loan in Utah is dependent on your loan amount and your APR. Here are a few examples to help illustrate the true cost of a title loan.

  • Example 1: You borrow $2,000 at an APR of 300% and pay it back in 30 days.
    If you took out a $2,000 loan and paid it back in 30 days, you would pay a total of $2,500 back to your lender in 1 payment. In this example, you’re paying $500 in finance charges to borrow $2,500.
  • Example 2: You borrow $2,000 at an APR of 300% and pay it back in 6 months.
    If you borrowed $2,000 and paid it back in 6 months, you would pay a total of $4,065.84 back to your lender in 6 payments of $677.64. In this example, you’re paying $2,065.84 in finance charges to borrow $2,000.

Personal installment loans: A better and more affordable way to borrow money with bad credit

Because title loans can come with high interest rates and there’s a chance that you’ll lose your vehicle if you default on the loan, it’s important to know about alternatives.

A personal installment loan could be what you need. With flexible loan amounts ranging from just $200 to $3,000, these loans help you meet short-term financial needs. You then repay the lender through a monthly installment agreement.

Installment loans do involve a credit check, but the right lender will offer solutions for people with low, bad, or no credit.

Frequently asked questions

Here are some of the most commonly asked questions that we get regarding Utah title loans.

Can I qualify for a title loan with bad credit?

Yes! Consumers with bad credit often turn to title loans because they do not involve a credit check. The loan is backed by the value of your vehicle, not your personal creditworthiness.

Can I get a title loan completely online with no credit check and no inspection?

Yes! You can apply for a title loan completely online without checking your credit. However, all lenders require some form of vehicle inspection to determine the condition of the vehicle and its value, which affects the amount of your loan.

Will I receive the funds from my title loan instantly?

Most borrowers will receive their funds within 24 hours. As long as you complete the process by 2 pm, your funds will be deposited the same day.

Do you offer car title loans near me?

Yes! We offer title loans nearby through direct title loan lenders in many cities in Utah, including:

  • American Fork
  • Bountiful
  • Brigham City
  • Cedar City
  • Centerville
  • Clearfield
  • Clinton
  • Cottonwood Heights
  • Draper
  • Eagle Mountain
  • Farmington
  • Heber
  • Herriman
  • Highland
  • Holladay
  • Hurricane
  • Kaysville
  • Layton
  • Lehi
  • Logan
  • Midvale
  • Murray
  • North Ogden
  • North Salt Lake
  • Ogden
  • Orem
  • Payson
  • Pleasant Grove
  • Provo
  • Riverton
  • Roy
  • Salt Lake City
  • Sandy
  • Saratoga Springs
  • South Jordan
  • South Ogden
  • South Salt Lake
  • Spanish Fork
  • Springville
  • St. George
  • Syracuse
  • Taylorsville
  • Tooele
  • Washington
  • West Haven
  • West Jordan
  • West Valley City
Customer reviews

Success stories from real people like you

Read real reviews from the many satisfied customers who chose Sound Financial for a title loan.

Jameson W.
star star star star star

I have taken out a title loan in the past and I can say much better experience with Sound.

Yusef K.
star star star star star

First time getting a title loan and this site made it super easy. They were upfront about fees and payments, which was hard to find, and the process was smooth.

Dennis M.
star star star star star

Best place to get this type of financing, hands down!

George V.
star star star star star

I appreciated the transparency and honesty of this marketplace. No hidden fees or surprises and exceedingly good customer service. A more than positive experience!

Paulina S.
star star star star star

Helped me find the right loan for my situation and did well in answering all my questions. 5⭐s!!!!

Jaime B.
star star star star star

I’ve been around the block a few times w/ these types of online loans and Sound is refreshing. Didn’t feel like I was being taken and it felt like they genuinely had my best interest at heart.

Ian G.
star star star star star

Ran into money trouble and came to Sound Financial for a title loan. Was pleasantly surprised by their quality of service (not typical). Very appreciative.

Creisha J.
star star star star star

Glad to see that there is a company out there that actually cares for borrowers with bad credit. 🤗❤️ Thank you!!

Antoinette C.
star star star star star

M/O 3 here with lackluster credit, so a title loan was my only resort. Sound helped me find a lender AND understand how to properly manage my repayment. Forever grateful.

Roderick T.
star star star star star

PROS: I was able to keep my car, fantastic customer care, site gave me all the pertinent details… CONS: None… Add me to the “another satisfied customer” list.

Utah title loans in 30 minutes or less.

Get the cash you need with our fast and flexible title loans. Apply now and see how we can help you today.

Apply Now