Personal loans near Bountiful, Utah.
There's no Desert Rock Capital branch in Bountiful yet. The closest office is in Salt Lake City, about 15 minutes down US-89 or I-15 - and you can start from home so the drive only happens once.
Borrowing from Bountiful
Bountiful is close enough that the Salt Lake branch effectively is the local option, fifteen minutes door to door. There is no Desert Rock Capital office in Bountiful itself, so the usual plan is to start the application online or by phone and make one trip to Salt Lake City to finish it.
Loan types for Bountiful borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
The drive from Bountiful to Salt Lake City
Head south on I-15 for most of the way; the whole drive is usually around 15 minutes.
The branch is at 981 East 3300 South, Salt Lake City, UT 84106. Hours are Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM.
Our Orem branch is about 54 miles from Bountiful, so Salt Lake City is usually the shorter trip.
If your credit is not perfect
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.
From application to decision
- Start the application online or call 801-377-3333. There is no credit check to begin.
- Walk in to the Salt Lake City branch or book a time, and bring your documents. We lend in person, so the application is finished at the branch.
- Once your application and documents are reviewed, you get a clear answer, typically in about 30 minutes during business hours.
- With an approval, you pick the amount you want from the offer, and your funds can be ready that same day.
- Payments are fixed and biweekly, and paying off early carries no prepayment penalty.
What to bring from Bountiful
The review goes smoothly when you arrive with the following.
- A utility bill, lease or similar proof of where you live, dated in the last 45 days
- Your Social Security card (the application includes your Social Security Number)
- A current U.S.-issued photo ID (driver's license, state ID or passport)
- Proof of income, such as your last two paystubs, an awards letter or other proof of fixed income
There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application.
Salt Lake City, 11 miles from Bountiful
981 East 3300 South, Salt Lake City, UT 84106
- Mon to Fri · 9 AM to 8 PM
- Sat · 10 AM to 5 PM
Find your nearest branch
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Bountiful borrowers ask
Is there a Desert Rock Capital branch in Bountiful?
Not in Bountiful itself. Bountiful borrowers use the Salt Lake City branch at 981 East 3300 South, Salt Lake City, UT 84106, about 11 miles away.
Is same-day funding possible?
Yes, if you are approved: your funds can be ready the same day. The decision usually takes about 30 minutes during business hours.
Can I get a loan without a bank account?
Yes. Desert Rock Capital does not require a bank account. You make payments toward your loan account yourself, and we never hold a post-dated check or take pre-authorized debits.
Can I get a loan in Bountiful with bad credit?
You can apply. There is no credit check, and bad credit or no credit history does not rule you out. Every loan is still subject to underwriting.
Can I start my application from home in Bountiful?
Yes. The application can be started online or by phone at 801-377-3333; the loan itself is completed in person at the Salt Lake City 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 Salt Lake City 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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