You apply in person by bringing your ID, proof of income, bank statement, and a voided check to one of our Utah branches. There is no credit check, the loan officer bases the decision on your current income, and you can get a decision in about 30 minutes.
Applying for a loan in person: what to expect
If you prefer to handle things face to face, applying at a Desert Rock Capital branch is straightforward. You walk in, sit down with a loan officer, and typically walk out with a clear decision in about 30 minutes. Here is exactly how it works and what to bring.
Step 1: Schedule or walk in
You can walk into any of our three Utah branches during business hours and a loan officer will see you as soon as one is available. Or, call your nearest branch to schedule a time and we will have your file pulled and ready when you arrive. Booking ahead means no wait.
Branches are open Monday through Friday until 8 PM at Salt Lake City and Orem, and until 6 PM at St. George. Saturday hours are 10 AM to 5 PM at Salt Lake City and Orem. St. George is closed weekends.
Step 2: Bring the right documents
A complete file means a faster decision. Bring these four things:
- A state-issued ID or driver's license
- Your most recent pay stub or another proof of income
- A recent bank statement
- A voided check (if you have one)
There is no credit check. We review your income and ability to repay, not your credit score. Bad credit, no credit, or a past bankruptcy does not rule you out.
Step 3: The review
The loan officer reviews your application, usually while you wait. Most people get an answer in about 30 minutes. We look at your current financial picture, not your credit history. The decision is based on whether the payments fit your budget.
Step 4: If approved, sign and receive funds
If approved, you see the full breakdown before you sign anything. You will know the loan amount, the fixed biweekly payment schedule, and exactly how many payments there are. There is no prepayment penalty. Pay it off early and you only pay interest for the time you had the loan.
Once you sign the agreement, funds can be available the same day.
What kind of loan is this
It is a signature installment loan from $100 to $3,000. No collateral, no credit check. Fixed biweekly payments on a set schedule. No balloon payment at the end. It is not a payday loan. You are not tying payments to your paycheck. You get a fixed schedule you can plan around.
Prefer to apply online
You can also apply online. The same $100 to $3,000 range, same no credit check, same review by a real person. Then visit one of our branches if you want to finish the process in person.
Frequently Asked Questions
Do I need an appointment to apply in person?
No, walk-ins are welcome. But an appointment helps reduce wait time and lets a loan officer prepare your file in advance. You can call the branch to schedule one.
What if I have bad credit or no credit history?
Our loans do not require a credit check. We look at your current income and ability to repay, not your credit score. A past bankruptcy or low credit score does not automatically disqualify you.
Can I start an application online and finish in person?
Yes. You can start your application online, and then visit a branch to complete the process with a loan officer. This can save time and lets you discuss details face to face.
How long does it take to get a decision?
Most applicants receive an answer within about 30 minutes. The loan officer reviews your information during your visit, so you know where you stand before you leave.
Is there a penalty for paying off the loan early?
No. There is no prepayment penalty. If you pay the loan off early, you only pay interest for the time you had the loan.
