Question 1

Do you hold my post-date check, or take pre-autorized debits?

Accepted Answer

No. Not at all! Desert Rock Capital is a true consumer lender that does not “hold any check” or take pre-authorized debits from your account. Customers make voluntary payments towards their loan account.

Question 2

What if I have a bad credit?

Accepted Answer

At Desert Rock Capital, we specialize in loans to individuals with all types of credit, including bad credit, no credit, or even past bankruptcies. Unlike traditional banks, we don’t expect a perfect credit profile. However, certain financial issues, such as tax liens, wage garnishments, or if you are currently in an open bankruptcy may result in a denial. We aim to make the loan process as streamlined as possible, understanding that credit can be affected by circumstances beyond your control.

Question 3

Does Desert Rock Capital run a credit report?

Accepted Answer

No, we don’t run a credit report. We believe in offering financial services to people regardless of their credit history. Our focus is on providing signature loans to individuals with bad credit, no credit, or past bankruptcies.

Question 4

How long does it take to get a loan?

Accepted Answer

When you apply for a loan with Desert Rock Capital, the time it generally takes from application submission to decision is 20 minutes.

Question 5

What should I bring with me to apply?

Accepted Answer

Bring current proof of income (e.g., 2 recent pay stubs, awards letter, retirement statement), current ID proof (such as state‑issued driver's license, state ID, or passport), Social Security Card, and current proof of residence (within the last 30 days).

Question 6

How are the payments set up?

Accepted Answer

Our signature loans are structured with fully amortized bi‑weekly payments, with no prepayment penalties or balloon payments, allowing early repayment without penalty.

Question 7

Does my credit line ever increase?

Accepted Answer

As you continue to develop a positive payment history with Desert Rock Capital, you are welcome to apply for an increase in your credit line.

Question 8

What if I don’t have a checking account?

Accepted Answer

No checking account? No problem! Desert Rock Capital does not require you to have a bank account to process your loan.

Question 9

How do I apply?

Accepted Answer

Applying is simple—you can apply online via the website, by phone (call 801‑377‑3333), or in person at one of their branches in Salt Lake City, Orem, or St. George.

Question 10

What credit score is required for a signature loan in Utah?

Accepted Answer

You don’t need a credit score to qualify. Approval is based on your income and ability to repay, not your credit history.

Question 11

How fast can I get a signature loan in Utah?

Accepted Answer

Most applicants receive a decision within 20 minutes of submitting their application. If approved, you leave with a check ready to be cashed.

Question 12

What’s the difference between a signature loan and a payday loan?

Accepted Answer

A signature loan offers longer repayment terms, generally lower rates, and no hidden costs compared to payday loans.

Question 13

Can I really get a loan in Utah without a credit check?

Accepted Answer

Yes. Our no-credit-check signature loans are based on your income and ability to repay—not your credit score.

Question 14

Are no credit check loans safe in Utah?

Accepted Answer

Yes. No-credit-check loans are safe when borrowing from a licensed lender like Desert Rock Capital. We offer transparent terms with no hidden fees.

Question 15

How do I apply for a no credit check loan in Utah?

Accepted Answer

You can apply online or in person. Bring proof of income, proof of residence, ID, and your Social Security Number. No credit report is pulled.

Question 16

Can I get a personal loan in Utah with bad credit?

Accepted Answer

Yes. Our signature loans are designed for borrowers with bad credit or no credit.

Question 17

Do bad credit personal loans cost more?

Accepted Answer

No. Desert Rock Capital offers transparent signature loans with no hidden fees.

Question 18

Where can I get a signature loan in Salt Lake City?

Accepted Answer

You can apply online or visit our Desert Rock Capital Salt Lake City office for a fast decision.

Question 19

How long does it take to get a loan decision in Salt Lake City?

Accepted Answer

Most applications receive a decision within 30 minutes.

Question 20

Can I apply for a signature loan in Orem online?

Accepted Answer

Yes. Apply online or visit our Orem office for in-person assistance.

Question 21

Are signature loans available in St. George, Utah?

Accepted Answer

Yes. You can apply online or visit our St. George branch for local service.

Question 22

How do repayment terms work in St. George?

Accepted Answer

Payments are made bi-weekly with no hidden fees or balloon payments.

Question 23

Can I get a personal loan in Utah without a credit check?

Accepted Answer

Yes. Desert Rock Capital offers personal loans without a credit check, focusing on your income and ability to repay.

Question 24

What are the eligibility requirements for a no credit check personal loan?

Accepted Answer

Applicants must provide proof of identity, proof of residence, income documents, and a Social Security Number. No credit score is required.

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