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Payday Loan

A payday loan is small dollar loan usually between $100-$1,000 (depending on income and state laws) that is designed to help you pay for immediate expenses until your next payday. The loan balance is usually repaid on your next payday.

Terms for Utah Residents

  • Your maximum loan amount may not exceed $1,000.
  • Your loan term cannot exceed 35 days.
  • If you qualify, we may allow you to extend your loan up to four times as long as the total number of days from your first loan date and all your renewals are not over 70 days.
  • Under Utah law, all Utah customers must have a proof of ability to repay on file with Cash Factory USA when applying for a loan.

Fee Schedule and APR

Please click here for detailed fee schedule and APR


Cash Factory USA is registered to do business in Utah pursuant to the Utah Check Cashing and Deferred Deposit Lending Registration Act. All lending activity is regulated and examined by the Utah Department of Financial Institutions.

Utah Deferred Deposit Registration


Our application process is quick and easy.
Your information will be
kept safe and secure
We provide excellent customer service.