Personal loans near Payson, Utah.
There's no Desert Rock Capital branch in Payson yet. The closest office is in Orem, about 25 minutes north on I-15 - and you can start from home so the drive only happens once.
Borrowing from Payson
Payson sits at the valley's south gate, and most bigger errands already mean a run up the interstate. Desert Rock Capital has no office in Payson, but you do not need to make several trips: start online or by phone, then visit Orem once to finish.
Loan types for Payson borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
Getting to the Orem branch from Payson
Head north on I-15 for most of the way; the whole drive is usually around 25 minutes.
You will find it at 1118 South State Street, Orem, UT 84097, open Mon to Fri 9 AM to 8 PM, Sat 10 AM to 5 PM.
The next closest option is Salt Lake City, about 57 miles away, with the same loans and the same process.
Bad credit, no credit and past bankruptcy
There is no credit check. We look at your income and your ability to repay, so bad credit or no credit history does not rule you out, and a past bankruptcy does not automatically rule you out either.
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.
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.
How it works from Payson
- Fill out the short online form or phone 801-377-3333; nothing about starting involves a credit check.
- 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.
- We review your application and give you a clear decision, usually in about 30 minutes during business hours.
- If you are approved, you decide how much of the offer to take, and the funds can be ready the same day.
- You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty.
The documents checklist
Having these with you keeps the review moving.
- Current proof of income (paystubs, an awards letter or another income document)
- A current U.S.-issued photo ID (driver's license, state ID or passport)
- Your Social Security card (the application includes your Social Security Number)
- A utility bill, lease or similar proof of where you live, dated in the last 45 days
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.
Orem, 21 miles from Payson
1118 South State Street, Orem, UT 84097
- 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.
Payson borrowers ask
Is there a Desert Rock Capital branch in Payson?
No. The closest branch is at 1118 South State Street, Orem, UT 84097, about 21 miles away. You can start online from Payson and finish with one visit.
Can I book a time at the Orem branch?
Yes. You can book a time online, and walk-ins are welcome too. Booking a time is not a loan decision.
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.
Do I need a bank account to borrow from Payson?
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 Orem 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 Orem, where the decision usually takes about 30 minutes during business hours.
What you can borrow for
Nearby cities we serve the same way
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.
Which branch, and who's coming in?
Pick the location that works for you. Booking a time is not a loan decision.
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