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Rates and Terms

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Utah Installment Loan

Utah Installment Loan

A LendSwift installment loan is a medium-term loan. These loans typically have higher principals than payday loans, cash advances, and other short term loan products. Installment loans are gradually repaid in installments. These loans can be repaid early at any time without prepayment charges or fees.

Rates & Terms

Loan Amount
$300 - $1,500*

Annual Percentage Rate
Loan Term
6 - 9 Months*
Actual loan terms, including APR, may vary based on applicant's qualifications.

How it works


Apply Online

Receive an instant lending decision.*

Apply early and receive funds

Repay on your scheduled due dates

What it costs

The chart below provides an illustrative example of the cost of a 9-month $1,000 loan. Annual percentage rate and loan terms will vary based on loan amount and other factors. Please see your loan agreement for rates and other terms applicable to your loan. Remember to contact us if you have any questions! We want to make sure that you fully understand the terms and costs of your loan.

If you repaid once a month, you would make nine (9) payments of $306.25:


Finance Charge

Amount Financed

Total of Payments





If you repaid biweekly, you would make 19 payments of $131.91 and one (1) final payment of $67.77:


Finance Charge

Amount Financed

Total of Payments





Your loan may differ from the above example based on differing loan term, amount financed, and annual percentage rate, among other factors, that are specific to your application.

Requirements to apply for a LendSwift loan

You must be 18 or older
You must have a verifiable, steady source of income
You must have an active checking account
You must be a U.S. citizen or permanent resident
Head to our Rates & Terms page to learn more.

Governing Law

The loan agreement will be governed by the applicable laws of Utah. We urge you to contact us with any questions, concerns, or problems that you have with your LendSwift loan. You may also direct concerns or complaints to the Utah Department of Financial Institutions, which can be reached at (801) 538-8830.

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