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Serving Utah County · from Orem

Personal loans near Provo, Utah.

There's no Desert Rock Capital branch in Provo yet. The closest office is in Orem, about 10 minutes up University Parkway - and you can start from home so the drive only happens once.

Borrowing from Provo

Provo borrowers are effectively local: our Orem office sits just across the University Parkway line. There is no Desert Rock Capital office in Provo 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 Provo 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

The drive from Provo to Orem

It is a trip of about 10 minutes to the northwest, a little longer at rush hour.

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.

If you are already headed toward Salt Lake City, that branch is about 42 miles from Provo and works the same way.

Documents to have ready

Bring these to the Orem branch, or have them handy if you start online.

  • Photo ID issued in the U.S., like a driver's license, a state ID card or a passport
  • Your Social Security card (the application includes your Social Security Number)
  • Something that shows your income: recent paystubs, an awards letter or other proof of income
  • Proof of residence dated within the last 45 days, such as a utility bill or lease

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.

How it works from Provo

  1. Start the application online or call 801-377-3333. There is no credit check to begin.
  2. Visit the Orem branch with your documents, either by booking a time or walking in. The loan is finalized in person there.
  3. We review your application and give you a clear decision, usually in about 30 minutes during business hours.
  4. If you are approved, you decide how much of the offer to take, and the funds can be ready the same day.
  5. You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty.

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.

Your closest branch

Orem, 6 miles from Provo

1118 South State Street, Orem, UT 84097

  • 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

Provo borrowers ask

Is there a Desert Rock Capital branch in Provo?

There is no Provo branch. The nearest one is our Orem office at 1118 South State Street, Orem, UT 84097, roughly 6 miles from Provo.

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.

Is a checking account required?

No. A bank account is not needed. Payments are made by you toward your loan account; we never keep a post-dated check or set up pre-authorized debits.

Is there a penalty for paying early?

No. Paying the balance early carries no prepayment penalty.

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.

Related guides

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 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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