Skip to content
Serving Davis County · from Salt Lake City

Personal loans near Kaysville, Utah.

There's no Desert Rock Capital branch in Kaysville yet. The closest office is in Salt Lake City, about 35 minutes south on I-15 - and you can start from home so the drive only happens once.

Borrowing from Kaysville

Kaysville, in Davis County, sits about 29 miles north of the Desert Rock Capital branch in Salt Lake City. Kaysville 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 Kaysville 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

Getting to the Salt Lake City branch from Kaysville

The drive runs south, mostly on I-15, and takes roughly 35 minutes, longer at rush hour.

You will find it at 981 East 3300 South, Salt Lake City, UT 84106, open Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM.

What you will need at the branch

Four documents are generally what we need.

  • Current proof of income (paystubs, an awards letter or another income document)
  • 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
  • A utility bill, lease or similar proof of where you live, dated in the last 45 days

No bank account is required and nobody has to co-sign. Depending on your file, we may ask for one or two additional documents.

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.

Step by step

  1. Start the application online or call 801-377-3333. There is no credit check to begin.
  2. 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.
  3. During business hours, the review and decision usually take about 30 minutes once your documents are in.
  4. If you are approved, you decide how much of the offer to take, and the funds can be ready the same day.
  5. Repayment is fixed biweekly payments, with no penalty for paying the balance off early.
Your closest branch

Salt Lake City, 29 miles from Kaysville

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

Kaysville borrowers ask

Is there a Desert Rock Capital branch in Kaysville?

There is no Kaysville branch. The nearest one is our Salt Lake City office at 981 East 3300 South, Salt Lake City, UT 84106, roughly 29 miles from Kaysville.

Do I have to drive to Salt Lake City to apply?

Not to start. You can do the first step from home, online or at 801-377-3333. You then finish in person in Salt Lake City, where the decision usually takes about 30 minutes during business hours.

Can I get a loan in Kaysville 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.

Do I need a bank account to borrow from Kaysville?

No. 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.

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
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.
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
  • 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