Installment Loans in Utah

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Online Installment Loans in Utah

Looking for installment loans in Utah from a reliable lender? You’ve come to the right place. At MoneyKey, our Utah Installment Loans can help you pay for those unexpected expenses that can pop up from time to time.

If you’re approved, we’ll deposit the money into your bank account by the next business day*.

MoneyKey is a state-licensed direct lender in Utah, so when you take out a Utah Installment Loan, you’ll be doing business directly with us and your loan will be funded by us.

We’re available every day to help you throughout your borrowing and repayment process. We have a fully-staffed, friendly and knowledgeable Customer Care team working 7 days a week to answer any loan-related questions you may have.


Loan Amount: $200 to $2,000

Loan Type: Installment Loan

Loan Term: ~12 months

Funding: 1 business day*

Pre-Payment Available: Yes

How It Works

1. Submit Your Application

2. Get Approved

3. Get Money The Same Business Day*

Excellent  stars

Loan Details

Loan Amount

For a Utah Installment Loan, the amount you can borrow ranges between $200 and $2,000. After we review your application, we’ll let you know how much you may qualify for.

Cost of Loan

Interest will be charged on your MoneyKey Utah Installment Loan, with a maximum annual percentage rate (APR) of 295%.

The APR, repayment amount and payment schedule will vary depending on the specific details of your loan, which are available in your loan agreement.

This loan is an expensive form of credit and is not intended to meet long-term financial needs. MoneyKey urges you to use this product responsibly.

Term of Loan

The Utah Installment Loan term is approximately 12 months, so if you receive your income bi-weekly, semi-monthly or weekly, your loan will be payable in 23 installments. If you receive your income monthly, your loan will be payable in 11 installments.

Here are some examples:

In this example, the APR is 291.19% for a $1,000 Installment Loan with an Effective Date of 08/13/2020, payable in 23 bi-weekly installments.
 Annual Percentage RateFinance ChargeAmount FinancedTotal of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment DatePayment Amount

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In this example, the APR is 291.89% for a $1,000 Installment Loan with an Effective Date of 09/16/2020, payable in 11 monthly installments.
 Annual Percentage RateFinance ChargeAmount FinancedTotal of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf.


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment DatePayment Amount

View More

State License

MoneyKey is a state-licensed direct lender in Utah. Loans are funded by MoneyKey – UT, Inc. and governed by all applicable laws.

Click below to view the Utah Consumer Credit Notification.


Online Installment Loans in Utah: Frequently Asked Questions

  • How do I qualify for a loan?

    To qualify for a MoneyKey Installment Loan in Utah, you must:

    • Be at least 18 years old
    • Be a US citizen or a permanent resident
    • Be a resident of Utah
    • Have an active bank account
    • Have a regular source of income
    • Have a valid contact number and an active email address

    Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

  • Is this a payday loan?

    No, this is not a payday loan. A payday loan is a short-term loan where you are typically required to pay back the loan in full on your next payday. This is an installment loan, which is different because unlike a payday loan, no lump-sum payment is required. With an installment loan, you pay back the loan in installments over time until it is paid off.

  • Where can I find cash loans near me?
  • Finding a loan to apply for shouldn’t be difficult, it’s convenient to apply online. With an Installment Loan through MoneyKey, you can submit an application right from your phone as long as you have internet access. This simple process takes just minutes to complete.

  • How long will it take to get funds?

    For details on specific funding cut-off times, visit MoneyKey’s FAQs here.

  • Can I pay my loan off early?

    Yes, and there’s no penalty to pay off your Utah Installment Loan earlier than scheduled. If you’d like to make an early payment, or a larger payment to pay down more of your principal, you may do so by contacting us at 1-866-255-1668. Paying off your loan earlier than scheduled may reduce the total fees you’ll pay.

  • I don’t live in Utah, can I still apply for an online installment loan?

    You need to be a resident of Utah to be eligible for a Utah Installment Loan. Whether you live in Salt Lake City, Provo, or in a remote part of the state – we make applying for online installment loans in Utah fast and secure.

    If you live in another state, please check our rates page to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.

Have more questions? Please refer to our general FAQs page or contact our Customer Care team at 1-866-255-1668.

We’ve helped over 400,000+ customers.Let us help you!

Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.