--- title: "Personal Loans Near Heber, Utah | DRC" url: "https://www.desertrockcapital.com/near/heber" description: "No DRC branch in Heber yet - the closest is Orem, about 27 miles away. $100 to $3,000, no credit check, fixed biweekly payments." --- Serving Wasatch County · from Orem # Personal loans near Heber, Utah. There's no Desert Rock Capital branch in Heber yet. The closest office is in Orem, about 35 minutes' drive southwest - and you can start from home so the drive only happens once. Start from Heber Directions to Orem 1. [Home](/) 2. [Branches](/branches) 3. Near Heber ## Borrowing from Heber ![Desert Rock Capital, serving Heber, Utah from Orem](/near/heber.jpg) Heber is in Wasatch County, about 27 miles northeast of our Orem branch. There is no Desert Rock Capital office in Heber itself, so the usual plan is to start the application online or by phone and make one trip to Orem to finish it. Loan types for Heber borrowers: [personal loans](/services/personal-loans), [signature loans](/services/signature-loans), installment loans and [no credit check loans](/services/no-credit-check-loans), each $100 to $3,000 with fixed biweekly payments. $100 to $3,000 No credit check No collateral Fixed biweekly payments Decision in ~30 min ## Which branch serves Heber The drive heads southwest and usually takes around 35 minutes, depending on traffic. The branch is at 1118 South State Street, Orem, UT 84097. Hours are Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM. ## 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. Approval still depends on underwriting. An open bankruptcy, a tax lien or a wage garnishment are examples of things that can still lead to a denial. Loans run from $100 to $3,000, which suits costs like a car repair or a medical bill that cannot wait for the next paycheck. If you need more than $3,000, a bank or credit union that lends larger amounts may be the better place to start. ## The documents checklist Bring these to the Orem branch, or have them handy if you start online. - Your Social Security card, since the application asks for your Social Security Number - Proof of income, such as your last two paystubs, an awards letter or other proof of fixed income - 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 There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application. ## What happens after you apply 1. Fill out the short online form or phone 801-377-3333; nothing about starting involves a credit check. 2. 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. 3. During business hours, the review and decision usually take about 30 minutes once your documents are in. 4. If you are approved, your funds can be ready the same day, and you choose how much of the offer to accept. 5. You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty. Your closest branch ## Orem, 27 miles from Heber 1118 South State Street, Orem, UT 84097 - Mon to Fri · 9 AM to 8 PM - Sat · 10 AM to 5 PM Call 801-377-3333 Directions Branch page Book 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 ## Heber borrowers ask ### Is there a Desert Rock Capital branch in Heber? Not in Heber itself. Heber borrowers use the Orem branch at 1118 South State Street, Orem, UT 84097, about 27 miles away. ### Can I pay the loan off early? Yes. There is no prepayment penalty, so you can clear the balance early. ### 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. ### Do I need an appointment? No. Walk-ins are welcome, but booking a time online means your file is ready when you arrive. Booking is not a loan decision. ### Can I apply online from Heber? Yes. Start online or call 801-377-3333. Because we lend in person, you finish at the Orem branch with your documents, and the decision usually takes about 30 minutes during business hours. ## What you can borrow for - [Personal loans](/services/personal-loans) - [Signature loans](/services/signature-loans) - [No credit check loans](/services/no-credit-check-loans) - [What you need to qualify](/requirements) - [Payment calculator](/calculators/personal-loan) ## Nearby cities we serve the same way - [Loans near Provo](/near/provo) - [Loans near Lehi](/near/lehi) - [Loans near American Fork](/near/american-fork) - [All branches](/branches) Book an appointment ## 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. Step 1 of 3 Branch & 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 First name * Last name * Email * Phone * I accept the Terms of Service and Privacy Policy By checking this box, I acknowledge that I have reviewed and agree to be bound by Desert Rock Capital's Terms of Service and Privacy Policy . This includes: - 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 - The terms governing contact, communications, and use of my information - All other terms and conditions applicable to my inquiry and any future loan relationship I understand I may opt out of the Arbitration Agreement within 30 days by sending written notice to help@desertrockcapital.com . I consent to receive calls, texts, and emails I authorize Desert Rock Capital to contact me at the phone number(s) and email address I provide for marketing, informational, and service-related purposes. This consent is not required as a condition of purchasing any goods or services from Desert Rock Capital. This contact may include: - Voice calls, including calls placed using automatic telephone dialing systems (ATDS), artificial intelligence (AI), predictive dialers, or prerecorded/artificial voice messages - Text messages (SMS/MMS) sent via automated systems - Emails related to my inquiry and loan products I understand: - Contact frequency varies; I may receive an average of 5 to 10 text messages per week and multiple voice calls per week - Standard message and data rates charged by my wireless carrier may apply - I can revoke this consent at any time by replying "STOP" to text messages or calling [801-377-3333](tel:+18013773333) - I may be contacted even if my phone number is on a state or federal Do Not Call registry - My wireless carrier is not liable for delayed or undelivered messages By providing my contact information and checking this box, I am providing my express written consent to be contacted as described above. Prefer to talk first? Call 801-377-3333