![]() And honestly, they got me the best rate I could find and had the lowest closing costs. I didn't feel like he was trying to push me or anything. When I spoke to Josh he was so informative and helpful. I am an accountant and I will tell you that I did my research. Josh and Erin were so amazing to work with. I couldn't be more happy with Integrity Lending. They attended to me daily and gave me the attention of a kingīest Lender Ever! My wife and I are in our mid 20's and we just purchased our very first home. They took very good care of me and made me feel like I was the ONLY person in the world buying a house at the time. She was right on time with every document, every signature, every addendum and ALL the other mountains if paperwork needed for her to get it done right! And she did it.and she did it right! Her experience and knowledge was so on point that we closed on my house nearly TWO WEEKS AHEAD of the scheduled closing date! One day prior to my birthday and what a great gift that was! I owe it all to Lisa and the team that she built around me. She was professional in every aspect of the word. She encouraged me to hang in there when times got a little tough and she shared the joy and excitement with me when things went my way. ![]() She went out of her way to teach me about the home buying process and made it simple for the average home buyer to understand, follow and actually enjoy! She made herself readily available via phone, text and email at all times, even outside of business hours! There were MANY times where I needed to communicate with her either early in the morning or late at night and she she was there every time to take my call. You can also find additional articles and information on this topic by visiting FindLaw’s section on Usury Laws and Limits on Credit Card Interest Rates.MY EXPERIENCE WAS AMAZING! Lisa Schmirler and the rest of her team were fabulous to work with! Lisa was right there with me EVERY step of the way. If you would like legal assistance regarding an interest rate matter, you can consult with a Utah consumer protection attorney in your area. With all the fine print on credit card offers and loan documents, figuring the interest rate can be difficult. ![]() Related Resources for Utah Interest Rate Laws For those already in significant credit card debt, there could be consumer protections under federal law that can help. This is certainly easier said than done, but one of the best strategies for staying out of debt is to use a credit card responsibly and pay off the entire balance quickly - every month, if possible. The easiest way to prevent the financial pitfalls of high interest rate credit cards is to avoid credit card debt entirely. Utah Code 11-6-4: Political subdivisions may not set interest rates 1 of each year plus 2% judgment on contract shall conform to contract and shall bear interest agreed to by parties Penalty for Usury (Unlawful Interest Rate)įederal post-judgment interest rate as of Jan. The table below lists Utah's interest rate statutes. Utah’s maximum interest rate is 10% absent a contract, and charging more than the legal rate, (known as “usury”) is a felony. By restricting the amount of interest a creditor can charge, these laws are designed to help consumers avoid crippling debt and deter predatory lenders. States may craft their interest rate laws depending on the type of credit or loan involved. This is an introduction to interest rates laws in Utah. The Beehive State can also help - by limiting the amount of interest that a creditor can charge. With either, a high interest rate could get us into more money trouble if we’re not careful about using it responsibly and making payments on time. And most of us have either used a credit card, taken out a loan, or at least wondered about those options. Most of us have been faced with a bit of a financial bind or have had to make big purchases or investments.
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