Payday Loans - Utah
- Online application process
- Same day approval
- Loan amounts between $100 and $5,000
- Bad credit or no credit is allowed
- 80+ open locations across the country
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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Utah Payday Loans Online
Applicants residing in Utah are welcome to apply for online payday loans through 1F Cash Advance. A short-term loan would be a convenient solution whenever you are in a financial crisis and need money today. Cash advance loans do not depend on the borrower's credit score and are available across the Beehive State. Apply now and get an instant decision on your online loan.
How to Get Online Loans in Utah
Applying for an online loan through 1F Cash Advance is fast and easy. Follow these steps and enjoy our effortless process:
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Fill out the application form. Provide basic information, such as personal and contact details, bank account number, income confirmation, and info about your employer.
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Receive an offer. If you qualify, you'll receive approval and the loan offer in one hour or less.
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Sign the agreement. Review the terms and conditions thoroughly. If you agree with them, e-sign the loan contract.
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Receive your funds. The money will be transferred to your bank account within one business day.
1F Cash Advance Store Location in Utah
Branch name: 1F Cash Advance Utah
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
We Offer Payday Loans in Utah Cities
1F Cash Advance offers the easiest way to get a payday loan in Utah. We work with residents in the following cities and many more:
| Salt Lake City | Orem | Layton |
| West Valley City | Sandy | Millcreek |
| West Jordan | Lehi | Herriman |
| Provo | Ogden | Taylorsville |
| St. George | South Jordan | Eagle Mountain |
Utah Rates and Terms
In Utah, you can borrow payday loans for up to 70 days. The maximum loan amount to get in Utah is not specified and depends on a borrower’s income and creditworthiness. The APR can reach 650%.
A borrower can request an interest-free Extended Payment Plan (EPP) once every 12 months, or any time they have paid 10 weeks of interest on the loan. The EPP allows minimum 4 installment payments within no less than 60 days.
Lenders can charge only up to $20 if the borrower’s check bounces or if it is returned. There are no restrictions on the number of outstanding loans a borrower can have.
1F Cash Advance Products and Services
You can get the following no credit check loans in Utah from 1F Cash Advance:
Payday Loans
A payday loan is a fast and simple solution for immediate emergencies. You can borrow from $50 up to $1,000 in Utah. With just a few minutes of your time, we can provide you with what you need to pay rent or buy groceries. These loans are available with any credit score and may be provided within one business day or sooner.
Installment Loans
Get the amount from $1,000 to $5,000 if you need more money for your significant expenses. The repayment terms may go up to 24 months, making it convenient to handle your payments.
Check Cashing
Enjoy our check-cashing transactions at our locations. Cash your check today, and don’t wait too long to receive the money. No checking account is needed.
Why Choose Us
Here are the unique advantages you can enjoy by applying for a loan from 1F Cash Advance:
Faxless Process
Our online application does not require you to collect a lot of papers and fax them. Direct lenders allow e-documents and e-signatures, making the process fully online.
Instant Loan Decisions
Our company's internal process shows that, on average, it only takes about 10 minutes to make a loan decision.
Affordable Rates
We provide our customers with fair and competitive rates to ensure they will get the best deal possible in their situation.
Flexible Repayment Schedules
We have different repayment options, and you can choose the one that will be comfortable for you financially.
Fast Funding
You'll receive the money on the next business day or even sooner. Same-day loans are also available if you get approved before 10.30 AM on weekdays.
All Credit Scores Allowed
There's no need to have an excellent credit history or high credit score when you work with us. We accept borrowers with any credit.
Online Protection
All information you enter on our website is safe, and we do not use it for our own needs or disclose it to any non-affiliated third parties. Consequently, you will not receive unsolicited phone calls concerning anything other than your loan application or any calls made with the intention of marketing to you.
Utah Payday Loans FAQ
Will getting a loan affect my credit rating?
During the application and repayment processes, your credit score won’t be affected. But if you fail to repay the loan on time, your missed payments might be reported to the major credit bureaus. This may drop your score.
Can I get a payday loan if I have bad credit?
Yes, you can. 1F Cash Advance sets no minimum credit score requirements. However, the interest rates may be higher than those for excellent credit loan options. To get a specific quote, prequalify by filling out a loan request form.
Should I be a Utah resident to get a payday loan?
Yes, you must be a Utah resident and have proof of your current address in this state to qualify.
Can I pay my loan earlier?
Yes, and there are typically no charges or penalty fees for repaying the loan before the due date in the state. However, it’s recommended to check your loan agreement first.
What are the alternative options to payday loans?
You can try applying for installment loans for bad credit, including tribal loans, payday alternative loans, or auto title loans. There are also alternative options available via cash advance apps.
What are the differences between Utah installment loans and payday loans?
Utah installment loans provide clients with longer repayment periods and larger amounts that are paid back in equal parts according to the repayment schedule. They also have lower interest rates. Payday loans offer smaller amounts that are usually due by a borrower’s next payday and tend to have higher APRs.
How can I get online payday loans on the same day?
It depends on the company’s workload and your bank’s cut-off times. Try to apply before 10 AM to receive a quick, guaranteed approval decision within an hour and access the money by the end of the same day. Otherwise, you will receive the funds on the next business day.