“Utah has 50 separate payday loan companies, plus another 32 registered to offer such loans online. The state also has 61 registered title loan companies, which offer high-interest loans that use customers’ cars as collateral. . . Data show that some payday lenders in Utah last year charged as much as 1,407.86 percent annual interest a year, or $27 a week on a $100 loan. Gibson said that happens “because some lenders charge a flat fee regardless of loan duration.” So if customers pay back the loan quickly, that saves no money and the effective interest rate is higher.”