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Serving Utah County · from Orem

Personal loans near Spanish Fork, Utah.

There's no Desert Rock Capital branch in Spanish Fork yet. The closest office is in Orem, about 18 minutes north on I-15 - and you can start from home so the drive only happens once.

Borrowing from Spanish Fork

Spanish Fork families at the south end of Utah Valley keep one of the state's steadiest commute patterns, straight up I-15. There is no Desert Rock Capital office in Spanish Fork 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 Spanish Fork 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 Spanish Fork to Orem

The drive runs north, mostly on I-15, and takes roughly 18 minutes, 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.

The next closest option is Salt Lake City, about 52 miles away, with the same loans and the same process.

What you will need at the branch

Four documents are generally what we need.

  • Proof of residence dated within the last 45 days, such as a utility bill or lease
  • Proof of income, such as your last two paystubs, an awards letter or other proof of fixed income
  • A valid U.S.-issued photo ID, such as a driver's license, state ID or passport
  • Your Social Security card

There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application.

Who these loans 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.

Approval still depends on underwriting. An open bankruptcy, a tax lien or a wage garnishment are examples of things that can still lead to a denial.

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 Spanish Fork

  1. Begin online from Spanish Fork, or call 801-377-3333 if you would rather talk it through. Starting does not involve a credit check.
  2. 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.
  3. During business hours, the review and decision usually take about 30 minutes once your documents are in.
  4. If you are approved, you decide how much of the offer to take, and the funds can be ready the same day.
  5. Repayment is fixed biweekly payments, with no penalty for paying the balance off early.
Your closest branch

Orem, 15 miles from Spanish Fork

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

Spanish Fork borrowers ask

Is there a Desert Rock Capital branch in Spanish Fork?

Not in Spanish Fork itself. Spanish Fork borrowers use the Orem branch at 1118 South State Street, Orem, UT 84097, about 15 miles away.

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.

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.

Can I pay the loan off early?

Yes. There is no prepayment penalty, so you can clear the balance early.

Can I apply online from Spanish Fork?

Yes. Start online or call 801-377-3333. Because we lend in person, you finish at the Orem branch with your documents, and 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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