If you live in Salt Lake City and need a personal loan without the credit-check runaround, our South Salt Lake office is open weekdays until 8 PM. Here is what you get when you walk through the door or apply online.
A real office, a real person, a real decision
Our Salt Lake City branch at 981 East 3300 South is a fully staffed lending office. You sit down with a loan officer who reviews your income and ability to repay, not a credit score. No collateral required. The decision usually takes about 30 minutes during business hours.
What we offer at the Salt Lake City branch
- Personal loans and signature loans from $100 to $3,000
- No credit check. Bad credit or no credit history may still apply
- Fixed, predictable biweekly payments with no balloon payment
- No prepayment penalty. Pay it off early and you only pay interest for the time you had the loan
- No hidden fees
How it works
Apply online or walk in. Bring a government ID, your most recent pay stub, and a bank statement. A loan officer reviews your file. If approved, funds can be ready the same day.
What to bring and why it matters
The three documents each do a specific job. A government ID confirms you are who you say you are. Your most recent pay stub shows your income and how often you are paid, which is what a biweekly repayment schedule is built around. A bank statement shows the account funds would go into and that payments would be drawn from. If you are paid every two weeks, your payments land on the rhythm you already budget against, so nothing arrives at a surprise moment. Bring all three with you and the review moves faster, because a loan officer can work through the whole file while you wait instead of asking you to come back with a missing page.
Hours and directions
The Salt Lake City office is open Monday through Friday from 9 AM to 8 PM and Saturday from 10 AM to 5 PM. We are at 981 East 3300 South, Salt Lake City, UT 84106, near the Brickyard Plaza area. Plenty of parking out front.
Why borrowers choose our Salt Lake City branch
People come to us when an unexpected expense hits and a bank loan is not a good fit. Maybe your credit is thin. Maybe you need a smaller amount than a bank will bother with. Maybe you just want a fixed payoff date instead of revolving credit card minimums. Our Salt Lake City loan officers walk you through the numbers so you know exactly what the payments look like before you sign.
Apply from anywhere in the Salt Lake Valley
You do not need to live in South Salt Lake to use this branch. We serve borrowers from downtown SLC, Sugar House, Millcreek, Murray, West Valley, Sandy, and across the Wasatch Front. Apply online and pick up your funds at the desk, or do the whole thing remotely.
Not in Salt Lake City?
Desert Rock Capital has three Utah branches. If South Salt Lake is not the convenient one for you, there are also offices in Orem and St. George, and the process is the same at each desk. You can find all three, with addresses and phone numbers, on our branches page. Wherever you start, you can begin the application online and finish it at whichever office is closest.
Ready to get started? Apply now or visit our Salt Lake City page for the full address, map, and phone number.
