Utah Payday Loans
- 24/7 instant online loans
- Fast cash advance
- No hard credit check
- From a state-licensed lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Online Payday Loans in Utah
Payday loans are small, short-term loans designed to help people overcome emergencies. They offer quick lump-sum deposits that need to be repaid in full by your next paycheck.
With 1F Cash Advance in Utah, you can apply online and get a quick loan of up to $1,000 for 14 to 31 days – even if you have bad credit. If you’re facing an emergency and need cash the same day, 1F Cash Advance offers instant approval and fast access to funds.
How to Apply for a Loan
Applying for a loan with 1F Cash Advance is fast, secure, and convenient. Here's how it works:
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Fill out the form. Complete the process online in just a few minutes or visit our Utah store.
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Get an instant decision. We run a soft credit check that won't impact your score. You'll receive a response via email, usually within minutes.
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Access your funds. Once approved, sign the agreement and receive your money in cash at a store or via a direct deposit. Same-day funding is available*.
*Same-day deposits apply to requests submitted before 10:30 am local time on business days.
Who Can Get a Loan
Here’s what you need to apply for cash loans in Utah with 1F Cash Advance:
- Be at least 18 years old
- Valid government-issued photo ID
- Social Security Number
- Proof of steady income
- Active checking or savings account
- Valid email address and phone number
- Proof of Utah residency
Rates and Terms
Utah payday loan laws do not impose limits on finance charges. Interest rates and fees are determined based on the borrower’s creditworthiness. For returned checks and insufficient funds, a penalty of up to $35 may be charged.
Here is the cost breakdown for a payday loan with a 20% fee for every $100 borrowed:
| Advance amount | Fee | Total repayment |
|---|---|---|
| $100 | $20 | $120 |
| $300 | $60 | $360 |
| $500 | $100 | $600 |
| 1,000 | 200 | 1200 |
Below are illustrative annual percentage rates (APRs) based on the loan repayment term:
| Term (days) | APR (%) |
|---|---|
| 14 | 521.43 |
| 21 | 347.62 |
| 27 | 270.37 |
| 31 | 235.48 |
Learn about payday loan regulations in Utah and view our license information
Need More Money? We Offer Installment Loans
An installment loan may be a better option in Utah. With 1F Cash Advance, you can borrow up to $5,000 and repay it over 2 to 24 months in fixed, manageable payments. These loans are designed for borrowers who need more time and flexibility to repay, with no perfect credit required. Approval is based on your current income and ability to repay, not just your credit score.
Approximate cost of a bad credit installment loan:
| Loan amount | Term (months) | Monthly payment | APR | Total interest |
|---|---|---|---|---|
| $500 | 2 | $314,10 | 200% | $128,21 |
| $1,000 | 12 | $165,19 | 150% | $982,33 |
| $5,000 | 24 | $362,35 | 60% | $3,696,50 |
1F Cash Advance Store in Utah
If you prefer face-to-face service, visit the 1F Cash Advance store in Utah. We offer payday and installment loans with fast approvals and clear terms.
Address: 3523 S 4800 W, West Valley City, UT 84120
Email: [email protected]
Branch Manager: Roberta Smith
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
If you’re in Salt Lake City, Provo, West Jordan, Orem, Sandy, or any other city in Utah, you can apply online in minutes.
Looking for a location in another state? Find a 1F Cash Advance store near you today.
Why Choose 1F Cash Advance
Here’s why customers in Utah choose us:
No extra paperwork
You don’t need to gather many documents or provide collateral. Just show proof of income and complete a short online form.
Funds when it matters
Whether it’s an emergency or an unexpected bill, we make sure you get the money fast, often on the same day.
Customer support that cares
Our team is always here to answer questions, guide you through the process, and help you feel confident at every step.
FAQ
What’s the maximum loan amount I can receive?
Utah law does not set a limit on payday loan amounts. At 1F Cash Advance, you can apply for up to $1,000. The final approved amount will depend on your verified income and application data.
How quickly will the funds be available?
If your application is submitted before 10:30 am on a banking day, your loan may be funded the same day, depending on your bank’s processing speed. Applications submitted after 10:30 am are typically funded on the next business day. Please note that weekends and federal holidays may delay disbursement times.
How do I reach customer support?
You can easily contact our support team by emailing [email protected] or calling (720) 428-2247. Our customer service representatives are ready to answer your questions, help with your application, or provide updates on your loan status.
What are the alternatives to online payday loans in Utah?
If a payday loan isn’t the right fit, consider a line of credit for flexible access to funds, a personal loan for larger expenses with longer terms, or a title loan that uses your vehicle as collateral. Each option has different terms, so be sure to compare them carefully before applying.
Is it possible to get a loan with a low credit score?
Yes, 1F Cash Advance accepts borrowers with poor or limited credit history. We do not conduct hard credit checks. If you can show a consistent source of income, you may still qualify. Approval is guaranteed for eligible applicants.