Personal loans near Sandy, Utah.
There's no Desert Rock Capital branch in Sandy yet. The closest office is in Salt Lake City, about 20 minutes north on I-15 or State Street - and you can start from home so the drive only happens once.
Borrowing from Sandy
Sandy households at the south end of the valley often assume their nearest options are the storefronts on State Street, but the drive north is short. There is no Desert Rock Capital office in Sandy 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 Sandy borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
The drive from Sandy to Salt Lake City
Head north on I-15 for most of the way; the whole drive is usually around 20 minutes.
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.
Our Orem branch is about 27 miles from Sandy, so Salt Lake City is usually the shorter trip.
What you will need at the branch
Four documents are generally what we need.
- 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)
- Something showing your current address from the last 45 days, like a utility bill or a lease
- Your Social Security card, since the application asks for your Social Security Number
There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application.
Is this the right fit?
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.
What happens after you apply
- Fill out the short online form or phone 801-377-3333; nothing about starting involves a credit check.
- 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.
- We review your application and give you a clear decision, usually in about 30 minutes during business hours.
- With an approval, you pick the amount you want from the offer, and your funds can be ready that same day.
- Payments are fixed and biweekly, and paying off early carries no prepayment penalty.
Salt Lake City, 14 miles from Sandy
981 East 3300 South, Salt Lake City, UT 84106
- 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.
Sandy borrowers ask
Is there a Desert Rock Capital branch in Sandy?
No. The closest branch is at 981 East 3300 South, Salt Lake City, UT 84106, about 14 miles away. You can start online from Sandy and finish with one visit.
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.
Do I need a bank account to borrow from Sandy?
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.
Can I start my application from home in Sandy?
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 pay the loan off early?
Yes. There is no prepayment penalty, so you can clear the balance early.
What you can borrow for
Nearby cities we serve the same way
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.
Which branch, and who's coming in?
Pick the location that works for you. Booking a time is not a loan decision.
- 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
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