Utah Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Utah? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Utah?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Utah, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Utah:

Alpine
American Fork
Ballard
Beaver
Benjamin
Benson
Blanding
Bluffdale
Bountiful
Brigham City
Carbonville
Castle Dale
Cedar City
Cedar Hills
Centerfield
Centerville
Clearfield
Clinton
Coalville
Cottonwood Heights
Daniel
Draper
Duchesne
Eagle Mountain
Elk Ridge
Elwood
Emigration Canyon
Enoch
Ephraim
Erda
Fairview
Farmington
Farr West
Ferron
Fillmore
Fountain Green
Francis
Fruit Heights
Fruit Heights
Genola
Granite
Grantsville
Gunnison
Harrisville
Heber
Helper
Herriman
Highland
Hildale
Holladay
Honeyville
Hooper
Huntington
Hurricane
Hyde Park
Hyrum
Ivins
Kamas
Kanab
Kaysville
Kearns
La Verkin
Layton
Lehi
Lindon
Logan
Maeser
Magna
Manti
Mapleton
Mendon
Midvale
Midway
Milford
Millcreek
Moab
Mona
Monticello
Morgan
Moroni
Mountain Green
Mount Pleasant
Murray
Naples
Nephi
Nibley
North Logan
North Ogden
North Salt Lake
Oakley
Ogden
Orangeville
Orem
Panguitch
Park City
Parowan
Payson
Perry
Plain City
Pleasant Grove
Pleasant View
Price
Providence
Provo
Richfield
Richmond
Riverdale
River Heights
Riverton
Roosevelt
Roy
Salem
Salt Lake City
Sandy
Sandy
Santaquin
Saratoga Springs
Silver Summit
Smithfield
Snyderville
South Jordan
South Ogden
South Salt Lake
South Weber
South Willard
Spanish Fork
Spring City
Spring Glen
Springville
Stansbury Park
St. George
Summit Park
Sunset
Syracuse
Taylorsville
Tooele
Toquerville
Tremonton
Uintah
Vernal
Vineyard
Wellsville
Wendover
West Bountiful
West Haven
West Jordan
West Point
West Valley City
White City
Willard
Woodland Hills
Woods Cross