Availability & Rates



The services provided by BM&T Loans are not available in all states. Currently, we only issue loans in these states: California, Idaho, Montana, Nevada, Ohio, South Dakota, Texas, Utah & Wisconsin. Please review local laws and regulations for availability in your particular state.

The states this website ("Site") services may change from time to time without notice. All actions taken on this Site, or legal concerns addressing this Site, are deemed to have taken place in Utah, regardless of the location from where you access this Site.


BM&T Loans adheres to the regulations that govern short term loans in each state. Some of the terms that individual states control include the maximum loan amounts, the amount of fees or interest that a lender can charge, the number of loans that can be outstanding at any given time and the number of simultaneous loans. Also may include the amount that lenders are allowed to charge for non sufficient funds and the terms for non-payment and late payment actions.

Follow this link to get all the necessary information regarding the regulations in your state.


BM&T Loans is unable to provide in this document an exact APR (Annual Percentage Rate) that you might be charged. APRs vary according to the information supplied by you in your loan request. You will be given the APR, loan fees, and other terms when you are redirected to your loan agreement in the loan request process.

The APR value on a short term loan can vary depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors.

Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%

Contacting us

If you have any questions about this Availability and Rates document, the practices of this Site, or your dealings with this Site, please contact us at:

BM&T Loans
801-207-9039 | [email protected]

This document was last updated on March 25, 2020