Personal loans near American Fork, Utah.
There's no Desert Rock Capital branch in American Fork yet. The closest office is in Orem, about 12 minutes south on I-15 - and you can start from home so the drive only happens once.
Borrowing from American Fork
American Fork sits a dozen minutes from our Orem office, closer than much of Orem itself at rush hour. American Fork does not have its own Desert Rock Capital office. Start the application from home, then bring your documents to Orem for one visit to wrap it up.
Loan types for American Fork borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
American Fork to the Orem branch
Most of the trip from American Fork is on I-15 heading southeast. Allow about 12 minutes, plus extra time in heavy traffic.
Its address is 1118 South State Street, Orem, UT 84097, and it is open Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM.
If you are already headed toward Salt Lake City, that branch is about 28 miles from American Fork and works the same way.
From application to decision
- Start the application online or call 801-377-3333. There is no credit check to begin.
- Walk in to the Orem branch or book a time, and bring your documents. We lend in person, so the application is finished at the branch.
- We review your application and give you a clear decision, usually in about 30 minutes during business hours.
- If you are approved, your funds can be ready the same day, and you choose how much of the offer to accept.
- Repayment is fixed biweekly payments, with no penalty for paying the balance off early.
Bad credit, no credit and past bankruptcy
Because there is no credit check, a low score or a thin credit file is not what decides your application. Income and ability to repay are, and a past bankruptcy does not automatically rule you out.
Not everyone is approved. Every loan goes through underwriting, and some things can still lead to a no, such as an open bankruptcy, a tax lien or a wage garnishment.
The $100 to $3,000 range is meant for things like a car repair or a medical bill that cannot wait until your next paycheck. For more than $3,000, start with a bank or credit union that lends larger amounts.
The documents checklist
The review goes smoothly when you arrive with the following.
- Your Social Security card (the application includes your Social Security Number)
- A utility bill, lease or similar proof of where you live, dated in the last 45 days
- A current U.S.-issued photo ID (driver's license, state ID or passport)
- Current proof of income (paystubs, an awards letter or another income document)
You do not need a bank account, a cosigner or collateral, though we may ask for one or two more documents depending on your situation.
Orem, 9 miles from American Fork
1118 South State Street, Orem, UT 84097
- Mon to Fri · 9 AM to 8 PM
- Sat · 10 AM to 5 PM
Find your nearest branch
Three offices cover Utah: Salt Lake City, Orem, and St. George. Enter your ZIP and we'll point you at the closest one. Nothing is sent anywhere; the lookup happens right on this page.
American Fork borrowers ask
Is there a Desert Rock Capital branch in American Fork?
There is no American Fork branch. The nearest one is our Orem office at 1118 South State Street, Orem, UT 84097, roughly 9 miles from American Fork.
Is a checking account required?
No. A bank account is not needed. Payments are made by you toward your loan account; we never keep a post-dated check or set up pre-authorized debits.
How soon could I have the funds?
If you are approved, the funds can be ready the same day. The decision itself usually takes about 30 minutes during business hours.
Is there a penalty for paying early?
No. Paying the balance early carries no prepayment penalty.
Can I start my application from home in American Fork?
Yes. The application can be started online or by phone at 801-377-3333; the loan itself is completed in person at the Orem branch, usually with a decision in about 30 minutes during business hours.
What you can borrow for
Nearby cities we serve the same way
Pick a branch and a time that works for you.
The Orem branch is preselected for you. Booking a time is not a loan decision. No credit check and no collateral, with 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.
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