Personal loans near Draper, Utah.
There's no Desert Rock Capital branch in Draper yet. The closest office is in Salt Lake City, about 25 minutes north on I-15 - and you can start from home so the drive only happens once.
Borrowing from Draper
Draper sits at the point of the mountain between two valleys, with our Salt Lake and Orem offices each a reasonable drive away. There is no Desert Rock Capital office in Draper 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 Draper borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
Getting to the Salt Lake City branch from Draper
Most of the trip from Draper is on I-15 heading north. Allow about 25 minutes, plus extra time in heavy traffic.
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.
Our Orem branch is about 24 miles from Draper, 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.
Loan amounts are $100 to $3,000. That covers a surprise repair or a medical bill; if you need more than $3,000, a bank or credit union that lends larger amounts is a better starting point.
Documents to have ready
Having these with you keeps the review moving.
- Your Social Security card (the application includes your Social Security Number)
- Current proof of income (paystubs, an awards letter or another income document)
- Proof of residence dated within the last 45 days, such as a utility bill or lease
- A valid U.S.-issued photo ID, such as a driver's license, state ID or passport
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.
How it works from Draper
- Begin online from Draper, or call 801-377-3333 if you would rather talk it through. Starting does not involve a credit check.
- Come to the Salt Lake City branch as a walk-in or with a booked time. Loans are completed in person, so this is where your file gets finished.
- We review your application and give you a clear decision, usually 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.
- You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty.
Salt Lake City, 18 miles from Draper
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
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.
Draper borrowers ask
Is there a Desert Rock Capital branch in Draper?
Not in Draper itself. Draper borrowers use the Salt Lake City branch at 981 East 3300 South, Salt Lake City, UT 84106, about 18 miles away.
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.
Does a past bankruptcy rule me out?
Not automatically. A past bankruptcy does not rule you out on its own, although an open bankruptcy, a tax lien or a wage garnishment can still lead to a denial.
Can I start my application from home in Draper?
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.
Is there a penalty for paying early?
No. Paying the balance early carries no prepayment penalty.
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.
- The Arbitration Agreement and Class Action Waiver, which require disputes to be resolved through individual arbitration rather than in court or as part of a class action
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