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Serving Weber County · from Salt Lake City

Personal loans near Ogden, Utah.

There's no Desert Rock Capital branch in Ogden yet. The closest office is in Salt Lake City, about 40 minutes straight down I-15 - and you can start from home so the drive only happens once.

Borrowing from Ogden

From Weber State to the 25th Street historic district, Ogden households juggle the same rent and repair surprises as the rest of the Wasatch Front. There is no Desert Rock Capital office in Ogden 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 Ogden 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

Which branch serves Ogden

The drive runs south, mostly on I-15, and takes roughly 40 minutes, longer at rush hour.

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.

What to bring from Ogden

Four documents are generally what we need.

  • Your Social Security card (the application includes your Social Security Number)
  • A current U.S.-issued photo ID (driver's license, state ID or passport)
  • A utility bill, lease or similar proof of where you live, dated in the last 45 days
  • Current proof of income (paystubs, an awards letter or another income document)

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

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.

Every application still goes through underwriting, and a few situations can lead to a denial, including 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.

Step by step

  1. Fill out the short online form or phone 801-377-3333; nothing about starting involves a credit check.
  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. We review your application and give you a clear decision, usually in about 30 minutes during business hours.
  4. With an approval, you pick the amount you want from the offer, and your funds can be ready that same day.
  5. Repayment is fixed biweekly payments, with no penalty for paying the balance off early.
Your closest branch

Salt Lake City, 37 miles from Ogden

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

Ogden borrowers ask

Is there a Desert Rock Capital branch in Ogden?

There is no Ogden branch. The nearest one is our Salt Lake City office at 981 East 3300 South, Salt Lake City, UT 84106, roughly 37 miles from Ogden.

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 same-day funding possible?

Yes, if you are approved: your funds can be ready the same day. The decision usually takes about 30 minutes during business hours.

Do I need a bank account to borrow from Ogden?

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.

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.

Related guides

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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