What you actually need to apply for a loan at Desert Rock Capital, and what you can leave at home. Four documents, no bank account, no cosigner, no credit score.
Four documents
is generally what we need.
To apply for a loan at Desert Rock Capital, bring current proof of income, a current ID such as a driver's license or passport, your Social Security card, and proof of residence from the last 30 days. No bank account, no cosigner, and no credit score required. A decision usually takes about 30 minutes.
We lend in Utah only, with branches in Salt Lake City, Orem, and St. George. You can start the application online and finish it in person at any branch.
This is generally what we look at. Every loan is subject to underwriting, so depending on your situation we may ask for one or two additional documents. Meeting the list is not a guarantee of approval; a clear decision, usually in about 30 minutes, is what we promise.
What to bring when you apply
Having these ready is the single best way to keep your review quick. Bring them to any branch, or have them on hand when you apply online.
- 01
Proof of income
Fixed income, an awards letter, your last two paystubs, or other proof of income.
- 02
Valid US-issued ID
A valid, U.S.-issued photo ID, such as a driver's license, state ID, or passport.
- 03
Your Social Security card
We ask for your Social Security Number as part of the application.
- 04
Current proof of residence
Dated within the last 30 days, for example a utility bill or lease.
Good to know: this is generally what we are looking at, not a guaranteed or complete list. Every loan is subject to underwriting, and depending on your situation we may ask for one or two additional documents. Having these ready keeps your review quick, but meeting the list is not a guarantee of approval. A clear decision is what we promise.
What you do not need
No bank account
Desert Rock Capital does not require you to have a bank account to process your loan.
No cosigner
You apply in your own name. We review your application, not your credit; nobody else signs for you.
No credit score
There is no credit check. Bad credit, no credit, or a past bankruptcy does not rule you out.
No collateral
Your signature secures the loan. No car title, no lien on your home.
How applying works
We lend in person, so the path is short: start the form, pick a time, and we finish it together at the branch.
Fill a single form
Start with a short online form. It takes a few minutes, and there's no credit check to begin.
Apply nowBook an appointment
Pick a time and come in to your nearest branch. We lend in person, so we finish your application together.
Book a timeGet a decision in 30 minutes
We review your application at the branch and give you a clear decision, usually in about 30 minutes.
Loan requirements in Utah, common questions
What should I bring with me to apply?
Bring proof of income (fixed income, an awards letter, your last two paystubs, or other proof of income), a valid U.S.-issued ID (such as a driver's license, state ID, or passport), your Social Security card, and current proof of residence (within the last 30 days).
Having these ready helps you get a decision in about 30 minutes.
What are the eligibility requirements for a no credit check personal loan?
Applicants must provide proof of identity, proof of residence, income documents, and a Social Security Number. No credit score is required.
We do not run a credit report, and we work with bad credit, no credit, and past bankruptcies. To be straight with you, certain issues can still result in a denial, such as tax liens, wage garnishments, or an open bankruptcy. The review does not use a credit report or credit score.
What documents do I need if I am self-employed?
If you are self-employed, you may be asked to provide documentation that verifies your income. This may include a government-issued ID, proof of income, proof of address, and your SSN. Providing clear income documentation helps complete your review quickly and receive a decision in about 30 minutes.
What if I don’t have a checking account?
No checking account? No problem! Desert Rock Capital does not require you to have a bank account to process your loan.
Customers make voluntary payments toward their loan account; we never hold a post-dated check and never take pre-authorized debits.
Do I need a cosigner to get a loan?
No. A cosigner is not part of the application. We review your application with no credit check, not your credit score, so you apply in your own name and nobody else signs for you. Approval is not guaranteed, but a clear decision is, usually in about 30 minutes.
Can I apply online and finish the process in person?
Yes. Utah residents can begin their application online and complete the process in person at one of our locations in Salt Lake City, Orem, or St. George. Bringing your required documents (such as proof of income and identification) helps speed up the review. Most applicants receive a quick decision in about 30 minutes once documentation is verified.
Pick a branch and a slot that fit your schedule. Bring the four documents above and we finish your application together. Booking a time is not a loan decision. A clear decision usually comes back 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 Mandatory Arbitration Agreement, which requires disputes to be resolved through individual arbitration rather than court or class action
- The terms governing contact, communications, and use of my information
- All other terms and conditions applicable to my inquiry and any future loan relationship
- Voice calls, including calls placed using automatic telephone dialing systems (ATDS), artificial intelligence (AI), predictive dialers, or prerecorded/artificial voice messages
- Text messages (SMS/MMS) sent via automated systems
- Emails related to my inquiry and loan products
- Contact frequency varies; I may receive an average of 5 to 10 text messages per week and multiple voice calls per week
- Standard message and data rates charged by my wireless carrier may apply
- I can revoke this consent at any time by replying "STOP" to text messages or calling 801-377-3333
- I may be contacted even if my phone number is on a state or federal Do Not Call registry
- My wireless carrier is not liable for delayed or undelivered messages
Four documents. One short form.
Apply online or visit a branch in Salt Lake City, Orem, or St. George. We review your file and give you a clear decision, usually in about 30 minutes.
