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Serving Weber County · from Salt Lake City

Personal loans near Roy, Utah.

There's no Desert Rock Capital branch in Roy 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 Roy

Roy borrowers usually compare the storefront lenders along 1900 West before realizing the better fit may be a short drive south. We do not have a branch inside Roy. You can start from home, online or by phone, and then finish in person with a single visit to Salt Lake City.

Loan types for Roy 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 Roy to Salt Lake City

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

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.

Is this the right fit?

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.

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.

What to bring from Roy

The review goes smoothly when you arrive with the following.

  • A valid U.S.-issued photo ID, such as a driver's license, state ID or passport
  • A utility bill, lease or similar proof of where you live, dated in the last 45 days
  • Something that shows your income: recent paystubs, an awards letter or other proof of income
  • Your Social Security card

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

Step by step

  1. Start the application online or call 801-377-3333. There is no credit check to begin.
  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. During business hours, the review and decision usually take about 30 minutes once your documents are in.
  4. With an approval, you pick the amount you want from the offer, and your funds can be ready that same day.
  5. Payments are fixed and biweekly, and paying off early carries no prepayment penalty.
Your closest branch

Salt Lake City, 31 miles from Roy

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

Roy borrowers ask

Is there a Desert Rock Capital branch in Roy?

Not in Roy itself. Roy borrowers use the Salt Lake City branch at 981 East 3300 South, Salt Lake City, UT 84106, about 31 miles away.

Do I need an appointment?

No. Walk-ins are welcome, but booking a time online means your file is ready when you arrive. Booking is not a loan decision.

How soon could I have the funds?

If you are approved, the funds can be ready the same day. The decision itself usually takes about 30 minutes during business hours.

Can I start my application from home in Roy?

Yes. The application can be started online or by phone at 801-377-3333; the loan itself is completed in person at the Salt Lake City branch, usually with a decision in about 30 minutes during business hours.

Can I apply if I had a bankruptcy?

Yes. The review is based on income and ability to repay, and a past bankruptcy does not automatically rule you out; an open bankruptcy, a tax lien or a wage garnishment are the kinds of issues that can still mean a no.

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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