---
title: "About Desert Rock Capital | Licensed Utah Lender"
url: "https://www.desertrockcapital.com/about"
description: "Desert Rock Capital is a licensed Utah consumer lender. Loans from $100 to $3,000 with no credit check, not based on your credit score, at our Utah branches."
---

About

# A Utah lender that picks up the phone.

Desert Rock Capital is a licensed Utah consumer lender providing personal and signature loans from $100 to $3,000 across Salt Lake City, Orem, and St. George. We review every application and give you a clear decision, usually in about 30 minutes, and our phone line is open around the clock.
How we operate

## Four principles.

- 3Utah branches
- ~30mTypical decision
- $100 to $2,998Loan range
- 24/7Phone answered

- 01A straightforward decision.Every application gets a real review and a straightforward decision, usually in about 30 minutes. No black-box credit score, no runaround.
- 02No credit check.Approval is not based on your credit score. We do not pull credit at the application stage.
- 03Open late on weekdays.Salt Lake City and Orem run until 8 PM on weekdays and St. George until 6 PM, for people who can only come in after a shift.
- 04Utah only.Three Utah branches, and we lend in Utah only. Call any hour, day or night, and we pick up.

## A licensed Utah lender.

We are a licensed Utah consumer lender. Our loans run from $100 to $3,000 and are repaid on a fixed, predictable biweekly schedule. There is no balloon payment and no prepayment penalty, so you can pay early and only pay interest for the time you had the loan.

Behind every decision is a real review, not a black-box score. We look at your application, not your credit score, and we tell you the full cost up front before you sign anything. Call any hour, day or night, and we pick up.

Our St. George branch is at 168 North 100 East, Suite #250, St. George, UT 84770, with loan offices in Salt Lake City and Orem.
Grounded in Utah

## A lender that shows up.

Licensed, local, and open by phone around the clock. Branches in Salt Lake City, Orem, and St. George.
Talk to a real person

## Want to meet us? Book a time to come in.

Sit down with us at a Utah branch on your schedule, or call any hour and we pick up. Personal and signature loans from $100 to $3,000, with a clear decision usually in about 30 minutes.
Step
1
of
3
Branch & details

## Which branch, and who's coming in?

Pick the location that works for you. Booking a time is not a loan decision.
Choose a branch
First name
*
Last name
*
Email
*
Phone
*
I accept the Terms of Service and Privacy Policy
*
By checking this box, I acknowledge that I have reviewed and agree to be bound by Desert Rock Capital's
Terms of Service
and
Privacy Policy
.
This includes:

- The Mandatory Arbitration Agreement, which requires disputes to be resolved through individual arbitration rather than court or class action
- The terms governing contact, communications, and use of my information
- All other terms and conditions applicable to my inquiry and any future loan relationship
I understand I may opt out of the Arbitration Agreement within 30 days by sending written notice to
help@desertrockcapital.com
.
I consent to receive calls, texts, and emails
*
I authorize Desert Rock Capital to contact me at the phone number(s) and email address I provide for marketing, informational, and service-related purposes. This consent is not required as a condition of purchasing any goods or services from Desert Rock Capital.
This contact may include:

- Voice calls, including calls placed using automatic telephone dialing systems (ATDS), artificial intelligence (AI), predictive dialers, or prerecorded/artificial voice messages
- Text messages (SMS/MMS) sent via automated systems
- Emails related to my inquiry and loan products
I understand:

- Contact frequency varies; I may receive an average of 5 to 10 text messages per week and multiple voice calls per week
- Standard message and data rates charged by my wireless carrier may apply
- I can revoke this consent at any time by replying "STOP" to text messages or calling [801-377-3333](tel:+18013773333)
- I may be contacted even if my phone number is on a state or federal Do Not Call registry
- My wireless carrier is not liable for delayed or undelivered messages
By providing my contact information and checking this box, I am providing my express written consent to be contacted as described above.
Prefer to talk first?
Call
801-377-3333

## Where to find us
SLC

### Salt Lake City

981 East 3300 South, Salt Lake City, UT 84106
OREM

### Orem

1118 South State Street, Orem, UT 84097
STG

### St. George

168 North 100 East, Suite #250, St. George, UT 84770
Apply now