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Serving Salt Lake County · from Salt Lake City

Personal loans near Cottonwood Heights, Utah.

There's no Desert Rock Capital branch in Cottonwood Heights yet. The closest office is in Salt Lake City, about 15 minutes' drive northwest - and you can start from home so the drive only happens once.

Borrowing from Cottonwood Heights

The nearest Desert Rock Capital branch to Cottonwood Heights (Salt Lake County) is in Salt Lake City, roughly 8 miles away to the northwest. Cottonwood Heights does not have its own Desert Rock Capital office. Start the application from home, then bring your documents to Salt Lake City for one visit to wrap it up.

Loan types for Cottonwood Heights borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.

$100 to $3,000No credit checkNo collateralFixed biweekly paymentsDecision in ~30 min

Cottonwood Heights to the Salt Lake City branch

Plan on roughly 15 minutes behind the wheel, heading northwest from Cottonwood Heights.

Its address is 981 East 3300 South, Salt Lake City, UT 84106, and it is open Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM.

The next closest option is Orem, about 31 miles away, with the same loans and the same process.

What you will need at the branch

Bring these to the Salt Lake City branch, or have them handy if you start online.

  • Something showing your current address from the last 45 days, like a utility bill or a lease
  • A valid U.S.-issued photo ID, such as a driver's license, state ID or passport
  • Your Social Security card, since the application asks for your Social Security Number
  • Current proof of income (paystubs, an awards letter or another income document)

There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application.

Step by step

  1. Fill out the short online form or phone 801-377-3333; nothing about starting involves a credit check.
  2. 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.
  3. Once your application and documents are reviewed, you get a clear answer, typically in about 30 minutes during business hours.
  4. If you are approved, you decide how much of the offer to take, and the funds can be ready the same day.
  5. You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty.

If your credit is not perfect

There is no credit check. We look at your income and your ability to repay, so bad credit or no credit history does not rule you out, and a past bankruptcy does not automatically rule you out either.

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.

Your closest branch

Salt Lake City, 8 miles from Cottonwood Heights

981 East 3300 South, Salt Lake City, UT 84106

  • Mon to Fri · 9 AM to 8 PM
  • Sat · 10 AM to 5 PM
Call 801-377-3333DirectionsBranch pageBook an appointment

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.

Common questions

Cottonwood Heights borrowers ask

Is there a Desert Rock Capital branch in Cottonwood Heights?

There is no Cottonwood Heights branch. The nearest one is our Salt Lake City office at 981 East 3300 South, Salt Lake City, UT 84106, roughly 8 miles from Cottonwood Heights.

Can I apply online from Cottonwood Heights?

Yes. Start online or call 801-377-3333. Because we lend in person, you finish at the Salt Lake City branch with your documents, and the decision usually takes about 30 minutes during business hours.

Can I book a time at the Salt Lake City branch?

Yes. You can book a time online, and walk-ins are welcome too. Booking a time is not a loan decision.

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.

Is there a penalty for paying early?

No. Paying the balance early carries no prepayment penalty.

Book an appointment

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.

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.

Choose a branch
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