Title loans are secured by your vehicle and usually charge a monthly finance fee on the amount borrowed. Enter the figures to see the cost and the equivalent annual rate.
Desert Rock Capital does not offer title loans. We are a licensed Utah installment lender, with personal loans of $100 to $3,000, no credit check, and fixed biweekly payments. This calculator is provided for general education so you can understand and compare costs honestly.
Enter the monthly finance fee rate from your quote or loan agreement.
Optional; shows how much of your car's value is at risk.
Results
Fill in the fields to see the result. The math runs instantly in your browser; nothing you type is saved or sent.
A general-purpose math tool. It runs standard math on the numbers you enter, including a rate you choose yourself. Nothing is pre-filled. It is not an offer, quote, rate, approval, or estimate of any Desert Rock Capital loan. Desert Rock Capital does not offer title loans, and with a Desert Rock Capital loan your vehicle is never collateral. This is a neutral educational tool.
The calculator above is a general math tool and is separate from any Desert Rock Capital loan. Desert Rock Capital lends $100 to $3,000 in Utah with no credit check and fixed biweekly payments; the amount offered, if approved, is shown to you up front, and every payment is in writing before you sign.
APR = (monthly rate / days) x 365 x 100
Title loan fees are usually quoted per month. Restating a monthly fee as a yearly rate (APR) annualizes it, so the annual figure is larger than the monthly one. This calculator uses the APR method described by the CFPB.
Desert Rock Capital is a licensed Utah consumer lender. Our product is a personal installment loan of $100 to $3,000, with no credit check, no collateral, and fixed biweekly payments, for Utah residents. This calculator shows the cost of a car title loan, which Desert Rock Capital does NOT offer, and a Desert Rock Capital loan is unsecured so your vehicle is never at risk. It is general and educational, not an offer. Other lenders and products calculate costs differently, and your actual terms depend on your own agreement. We use the standard formula cited below so the math is transparent and not our invention.
No. Desert Rock Capital loans are unsecured, so your vehicle is never collateral. This tool is here only to show how title loan costs are calculated.
We will walk the real schedule with you, in writing, before you sign anything. Booking a time is not a loan decision. No credit check, and a clear decision usually in about 30 minutes.
Which branch, and who's coming in?
Pick the location that works for you. Booking a time is not a loan decision.
- 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
- Voice calls, including calls placed using automatic telephone dialing systems (ATDS), artificial intelligence (AI), predictive dialers, or prerecorded/artificial voice messages
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- 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
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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, and you get a clear decision in about 30 minutes.
