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Free tools

Source-cited math tools for the loans and savings products people compare. Enter your own figures, including the rate. Educational only: nothing is an offer, and nothing you type is saved.

Estimate payments on the kind of installment loan Desert Rock Capital makes.

Installment loan estimator

Personal Loan

Enter an amount, a number of payments, and a rate you choose to see the payment and total interest for weekly, biweekly, or monthly schedules.

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Educational tools for products Desert Rock Capital does not offer, so you can compare costs honestly.

Cost-of-credit tool

Payday Loan

Payday loans charge a flat fee per $100 and are due in one lump sum on your next payday.

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Cost-of-credit tool

Title Loan

Title loans are secured by your vehicle and usually charge a monthly finance fee on the amount borrowed.

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Revolving credit tool

Line of Credit

Revolving credit charges interest on your drawn balance each month.

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Mortgage estimator

Home Loan / Mortgage

A mortgage is repaid in level monthly payments over many years.

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Auto loan estimator

Auto Loan

Enter the vehicle price, any down payment or trade-in, the rate, and the term to see the monthly payment and total interest on an auto loan.

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General math tools for interest and growth. Not Desert Rock Capital products.

Savings tool

Certificate of Deposit (CD)

A certificate of deposit grows by compounding.

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Interest tool

Compound Interest

Compound interest earns interest on interest.

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Interest tool

Simple Interest

Simple interest is charged only on the original amount.

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Want the real number?

A calculator is a start; a branch visit gets you a straightforward decision in about 30 minutes, in writing, with no credit check.

Step 1 of 3Branch & 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
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.
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.
Prefer to talk first? Call 801-377-3333

The math is free. So is a straightforward decision.

Apply online or visit a branch in Salt Lake City, Orem, or St. George. No credit check, not based on your credit score.

Start your application