Personal loans near West Valley City, Utah.
There's no Desert Rock Capital branch in West Valley City yet. The closest office is in Salt Lake City, about 15 minutes across the valley on I-215 - and you can start from home so the drive only happens once.
Borrowing from West Valley City
West Valley City is Utah's second-largest city, and its working families cross the valley daily for jobs, school, and errands. There is no Desert Rock Capital office in West Valley City 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 West Valley City borrowers: personal loans, signature loans, installment loans and no credit check loans, each $100 to $3,000 with fixed biweekly payments.
Getting to the Salt Lake City branch from West Valley City
It is a trip of about 15 minutes to the east, a little longer at rush hour.
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 41 miles from West Valley City, so Salt Lake City is usually the shorter trip.
What you will need at the branch
Having these with you keeps the review moving.
- Your Social Security card, since the application asks for your Social Security Number
- A utility bill, lease or similar proof of where you live, dated in the last 45 days
- 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
There is no bank account requirement, no cosigner and no collateral. Occasionally we ask for one or two extra documents, depending on the application.
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.
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.
From application to decision
- Start the application online or call 801-377-3333. There is no credit check to begin.
- 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.
- Once your application and documents are reviewed, you get a clear answer, typically 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.
- You repay in fixed biweekly payments and can pay the loan off early with no prepayment penalty.
Salt Lake City, 9 miles from West Valley City
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.
West Valley City borrowers ask
Is there a Desert Rock Capital branch in West Valley City?
No. The closest branch is at 981 East 3300 South, Salt Lake City, UT 84106, about 9 miles away. You can start online from West Valley City and finish with one visit.
Do I have to drive to Salt Lake City 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 Salt Lake City, where the decision usually takes about 30 minutes during business hours.
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.
Can I get a loan without a bank account?
Yes. 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.
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.
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.
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