# Utah — After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state

For Utah, how the statute states the right is To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; section is 70A-9a-623, verified against its source on 2026-09-01.

- **State:** Utah _(our reading, not quoted from the source)_
- **What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Utah's Consumer Credit Code (Title 70C, Chapter 7, Remedies and Penalties, Part 1 sections 101-107 and Part 2 sections 201-206) has no cure-by-arrears notice section anywhere in it -- it covers deficiency judgments, garnishment, unconscionability and negative credit reporting, but not notice of right to cure or cure of default, unlike Colorado, Kansas or Wisconsin. _(our reading, not quoted from the source)_
- **How the statute states the right:** To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral _(verified: appears in the quote below)_
- **Section:** 70A-9a-623 _(verified: appears in its own passage below)_

## What the source says

> 70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).

## Where each value comes from

This source states these in separate places, so each value is shown with the passage that states it.

### What the borrower can do to get the vehicle back

> 70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).

### Section

> 70A-9a-623 Right to redeem collateral.

## Source

- https://le.utah.gov/xcode/Title70A/Chapter9A/C70A-9a-P6_1800010118000101.pdf

Last verified: 2026-09-01. Review by: 2027-09-01.
Part of [After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state](https://referencesource.org/vehicle-repossession-cure-rights-by-state/).