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Free tools

Calculators for every kind of loan.

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.

Our loan

Estimate payments on the kind of installment loan Desert Rock Capital makes. See our guides on back-to-school costs and summer emergency expenses for real examples of when Utah families use installment loans.

Installment loan tool

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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Other loan types

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

Cost-of-credit tool

Payday Loan

Payday loans typically charge a fee for a short-term advance and come 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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Savings and interest

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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Ready to apply for a loan?

Book a time at a Utah branch.

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.

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Straightforward decisions. Straightforward loans.

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

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