Skip to content
Serving Salt Lake County · from Salt Lake City

Personal loans near Kearns, Utah.

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

Borrowing from Kearns

The nearest Desert Rock Capital branch to Kearns (Salt Lake County) is in Salt Lake City, roughly 10 miles away to the east. Kearns 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 Kearns 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

Kearns to the Salt Lake City branch

The drive heads east and usually takes around 15 minutes, depending on traffic.

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.

The next closest option is Orem, about 39 miles away, with the same loans and the same process.

Documents to have ready

Four documents are generally what we need.

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

What happens after you apply

  1. Begin online from Kearns, or call 801-377-3333 if you would rather talk it through. Starting does not involve 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. We review your application and give you a clear decision, usually in about 30 minutes during business hours.
  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.

If your credit is not perfect

Your credit score is not part of the decision because there is no credit check. The review looks at income and ability to repay, which means bad credit, no credit or 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.

Your closest branch

Salt Lake City, 10 miles from Kearns

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

Kearns borrowers ask

Is there a Desert Rock Capital branch in Kearns?

No. The closest branch is at 981 East 3300 South, Salt Lake City, UT 84106, about 10 miles away. You can start online from Kearns and finish with one visit.

Can I apply online from Kearns?

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.

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 get the money the same day?

If you are approved, yes, your funds can be ready the same day. The decision usually comes in about 30 minutes during business hours, once your application and documents are reviewed.

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