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$100 to $3,000, no credit check, no collateral. Fill out the short form below and we'll review your application and reach out. No decision is made until your application is reviewed.

Your details

This information is used only to review your application. Your actual amount and terms are disclosed in the loan agreement before you sign anything.

This includes:
  • The Arbitration Agreement and Class Action Waiver, which require disputes to be resolved through individual arbitration rather than in court or as part of a 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.
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
  • 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.

We'll review your application and reach out. Prefer to talk first? Call 801-377-3333.

Questions before you apply

What do I need to have ready before I apply?

Have a valid U.S.-issued ID, your Social Security Number, proof of income such as recent paystubs or an awards letter, and current proof of residence. You can start with just your contact details below and bring the documents to your branch visit.

How long does it take to get an answer?

You get a clear decision in about 30 minutes during business hours once your application and documents are reviewed. If approved, your funds can be ready the same day.

Can I apply with bad credit or no credit history?

Yes. There is no credit check, and qualification is not based on your credit score. We review your application and decide on your income and ability to repay, so bad credit, no credit, or a past bankruptcy does not automatically rule you out.

What happens after I submit this form?

We review every application and reach out using the contact details you provide. After you submit, you can book an appointment at the branch nearest you so your file is ready when you arrive. Prefer to talk it through first? The phone line at 801-377-3333 is answered day or night.

More questions? Read the full FAQs or learn more about personal loans from Desert Rock Capital.