Best Online Payday Loans In Utah

Are you looking for an emergency loan that will carry you over until payday? Finding a short-term source of funds can be a challenge when bad credit is an issue, or there’s no credit history, and you need money fast. In this situation, payday loan companies offer a quick solution to solve your financial problems temporarily. They are a good option when personal loans are unattainable, and you need funding right away.

Finding a reputable payday loan company is essential, as some companies offer short-term loans with high-interest rates and additional fees. They often lock customers into cycles of never-ending debt and additional loans, which become increasingly unaffordable over time. 

When a bank loan or other options are not available, a payday loan is the best solution. For this reason, it’s vital to find a trustworthy company that is upfront and honest about the process so that you can make an informed decision. Here’s our list of the top online personal payday loans in Utah.

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Best Online Payday Loans in Utah

Whether you’re looking for online personal loans in Utah or online short-term loans in Utah, these options are available:


MoneyKey Utah Installment Loans

One of the top reputable loan companies in Utah is MoneyKey, a state-licensed provider of direct loans. MoneyKey offers small online installment loans in Utah to take care of your immediate financial needs. Loan terms are typically one year (12 months), with installment payments approximately every two weeks. Once your loan is approved, the funds are directly deposited into your account the next business day. 

The amount you can borrow ranges from $200 to $2,000, and the interest charged to your installment loan is 295%. This amount is the maximum annual percentage rate, which means you’ll want to consider the amount you need carefully, and how affordable and realistic it is to pay off the total amount within the term provided. The loans provided are longer-term than payday loans, which are due in full on your next pay date.

The application process is simple, and MoneyKey requires that you have a regular source of income, an active bank account, phone number, and email address. The advantages of borrowing funds from MoneyKey? You have a more extended period to pay off the amount, and you will not incur any penalty fees for full payment before the due date. Making installment payments requires setting a firm budget and sticking to it.


Check City Utah

If you’re looking for a fast and efficient way to apply for a payday loan, Check City provides a hassle-free online form to request a loan amount. The application is relatively quick, only taking a few minutes, and approved funds are deposited directly into your bank account within 24 hours. also provides the same application process in-store and over the phone, which is ideal for asking questions and finding out more information at the same time. The payday loan company’s website is user-friendly and easy to navigate.

Check City was established as a business in 1986 and licensed by the state of Utah. The APR or annual percentage rate varies depending on the length of your loan. The company is flexible in offering both personal loans with a term of 5-6 months, in addition to standard payday loans. Check City is a good option if you want the benefit of considering various types of short-term loans to determine what works best for your situation. 

You will need a stable or regular income source, a checking account, and a photo ID for a loan. Check City is accredited by the BBB (Better Business Bureau) and conducts business in a trustworthy, highly reputable manner, making them a good choice. 


Speedy Cash Utah

Speedy Cash is a nationwide loan company that provides small personal and payday loans. In Utah, the company offers a credit loan line of up to $750, taking care of any immediate bills and emergency costs. Online payday loans in Utah are easy to obtain through Speedy Cash, as they offer multiple options to choose from on their website. If one option doesn’t fit your situation, you’re likely to find a loan that does the trick.

You’ll find all the details for each loan’s interest rate or APR, minimum payment(s) due, financing charges, and other applicable fees on the same page. A quick summary of frequently asked questions, with easy steps, are included to make the application process simple to understand. Speedy Cash is a nationwide store with many locations. They offer prepaid credit cards, check to cash, and other services to help you manage your budget.

The application process is fast, usually within a day, and you’ll receive payment directly to your account in that same time frame. You’ll have several options to pick up your funds if direct deposit isn’t favorable: you can arrange to pick them up at a local store or have them loaded to the Opt+ card, which Speedy Cash provides to eligible customers.


Advance America Payday Loan Service Online Utah

Advance America provides short-term online loans in Utah, including title loans and personal lending options. The company offers two locations in the state: Cedar City and St. George, Utah. Payday loans typically range from $100 to $1,000, which are ideal if you have a few late bills or find yourself falling a bit behind overall. 

In addition to payday loans, which are due on your next payroll date, you can apply for short-term personal loans and title loans. Installment loans are available up to $2,500, and title loans are available for more significant amounts, from $2,000 to $25,000. Currently, title loans are the only product available to apply for online.

When you apply for a title loan, an asset, usually a car, is valued to determine how much money you can borrow. Advance America works in partnership with the Loan Center for title loans. If you’re uncertain about the terms of this loan type and concerned about the risk of not paying back the funds, focus on a smaller loan that’s easier to manage for your budget.


Sofi Review Utah

Sofi offers a departure from payday loans, with various credit products and small, personal loans to give you a financial boost when you need it most. They are state-licensed and offer short-term online loans in Utah. also offers installment loans in Utah, depending on your eligibility and financial circumstances. 

You’ll find all the options listed in a comparison format to determine which rate and lending amount work best for you. also offers Unemployment Protection, which gives you the peace of mind that your loan payments will be paused or placed on hold when you lose your job. Before you commit to an online application, there is an option to pre-qualify, which takes less than two minutes.

Sofi is ideal if you’re looking for more than a payday loan because it offers long-term solutions to manage future finances and debt consolidation. To be eligible for a personal loan, you must meet specific criteria, including your citizenship or residence status, financial history, and source(s) of income. The company is worth contacting online to review all your lending options and opportunities to improve your credit.


Rise Credit Utah

Rise is an alternative to online payday loans in Utah. The company offers installment loan amounts ranging from $500 to $5,000, with the ability to repay with flexible terms and amounts that cater to your schedule and income. The website offers this “three-step process” as a way to secure your funds, once you are approved, by the next business day.

Utah residents can apply for installment loans between $300 and $5,000 with terms ranging from four months to 26 months. Credit ratings determine interest rates, and APR declines slightly for more significant borrowed amounts and terms. Rise is an ideal option if you’re in a bind and looking for a solution to manage your funds and get ahead. 

The company’s goal is to work in your favor, so you don’t have to take out multiple paydays or smaller loans, which costs more over time.

Rise minimizes the risk of borrowing with a five-day guarantee, which allows customers to cancel any loan within five days if they change their mind or find another solution to their financial circumstances. Rise’s website offers free tools and information to help you manage and improve your credit score. The company is rated highly by current and past customers.


Utah Lendup Payday Loans is an option you may consider if you have poor credit and need money as soon as possible. The application process is easy to navigate on your smartphone or tablet if you’re on the road and need funds fast. You can manage your borrowing needs and loans online with your mobile device, 24/7, which is ideal if you work long hours or are not typically available during the day.

Small loans are ideal through LendUp if you need emergency car repairs or travel expenses due to an unexpected situation. The company’s website offers an interactive tool to calculate the amount of loan you’re looking to apply for, with the terms and financing fees. Your online application for an installment loan is assessed quickly, so you’ll know if you qualify and the specific amount.

The company claims that taking a loan with them will not impact your credit score. LendUp also provides helpful resources to manage your credit and financial budget. It’s a great company to apply for a loan if you’re inexperienced and need to build credit to borrow more significant amounts in the future. The key to improving your chances of qualifying for borrowing more funds is to follow a strict schedule and avoid late payments.


Dr Credit Payday Loans Utah Online

If you are looking for a personal loan with bad credit or no credit history, Dr. Credit is an option you may want to consider. When you apply for a loan with poor credit, you’ll be required to repay with a higher interest rate, which is standard with most loan companies. Both secured and unsecured loans are available, and good credit scores offer better interest rates.

Dr. Credit offers personal loans for a variety of circumstances, from home renovations to emergency expenses. Loan consolidation is another way to work towards a better future with less debt. If you apply for a consolidation loan, be prepared to assess the interest rates to ensure that the amount you wish to borrow will not cost you more than you currently pay.

The application process is free, so you can find out if you qualify for a loan. Rates and fees will vary depending on the amount you want to borrow, the term, and your credit score. If you are concerned about interest rates due to bad credit, you may want to compare fees with other lenders before making a firm decision.


LoanMart Payday Loans

One of the fastest ways to secure a loan is through The company offers same-day payments for approved loans if applications are received and processed before noon. There are several borrowing options: payday loans, personal loans, and car title loans. Payday loans are usually the first step when you need funds quickly and demonstrate a regular income source. 

LoanMart is an excellent option to consider when a traditional bank loan isn’t approved and you need funds to resolve financial issues quickly. Car title loans typically offer more, depending on the value of your vehicle and credit score. The company’s website promotes $2,500 as a quick fix solution for emergency costs such as rent, funeral expenses, legal fees, and more. 

If you currently have a loan with LoanMart, you may negotiate different terms that work for changing circumstances and financial hardship. The company offers professional, friendly service and advice on which loan products are best for you. If you’re not comfortable applying for a $2,500 loan and prefer to start with a smaller amount, discuss your options before applying online. Approved loans are sent directly to your bank account or through MoneyGram.

Questions and Answers About Payday Loans

Here are some commonly asked questions.

Are payday loans worth the expense of higher interest rates? Is it better to apply for an installment loan or a car title loan instead?

The type of loan you apply for depends on your circumstances. For some people, a couple of hundred dollars is sufficient to take care of a late bill or two. Other people need a much more considerable amount to get ahead when facing a challenging situation or unexpected situation. The key is to avoid recurring payday loans, which can be habit-forming and expensive in the long term. 

Is there a chance that my credit score will be negatively affected by payday loans?

No, payday loans do not impact your credit score, as long as you pay them in full and without delay. 

Can I apply for a payday loan or personal loan if I’m self-employed?

If you can demonstrate a regular, steady income source and a good credit history, you can apply for a loan. Self-employed customers may find varied results from one payday loan or credit company to the next. Before you take that step, determine how stable your income will be and decide how much you can afford to borrow.


Payday loans, short-term loans, and installment loans are some great solutions when you have nowhere else to turn to for financial assistance. While family and friends can provide support at times in need, it’s not always an available option for some people. Before you settle on a specific company to apply for a loan, take as much time as you can to research all your choices. Negotiating with creditors and bill collectors can result in some positive solutions that can help you avoid taking out a loan entirely. 

Are you approved for a loan to help you through some unexpected costs? Remember to take your repayment agreement seriously and follow your installment schedule carefully. Any delay or missed payment can impact your ability to borrow money in the future. Always review your future goals and devise a plan to improve credit and financial health, whether you apply for a loan.

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