Personal Cash Loans in Utah
Minute Loan Center offers instant approval and immediate funding.
Process Was Quick
"The whole process was quick and painless. They have knowledgeable staff to answer your questions. I definitely recommend them."
When Times have been tough...
"When Times have been tough and high prices are making it difficult live, MLC has always been there for me. Easy and fast process with a friendly staff that will ease your worries about getting a loan and repaying it. Thank you MLC for always being there."
Highly Recommend
"The process was very smooth. Funding was prompt. Communication was great. I would highly recommend!"
See Our Different Types of Loans
We offer both online and in-store personal loans in Utah to help you get the funds you need.
Minute Loan Center offers a variety of personal loans, including cash loans in Utah. There are minimal requirements for each, and you are more likely than not to qualify. We have a high approval rate, and you may receive funds within minutes of approval. We are pleased to offer these funding opportunities to Utah residents:
Line of Credit
One reason for seeking a personal line of credit is to cover unforeseen expenses that do not typically fit into your budget. A line of credit can improve your cash flow, giving you access to funds whenever the need arises. Unlike a traditional personal loan, a line of credit also lets you borrow from your available credit as needed without applying for a new loan each time.
See our FAQs below!
Get Up to $5000 with a Utah Line of Credit
Like a credit card, a line of credit allows you to access funds when needed. The line of credit sets a borrowing limit for a specified period, such as a year. During that time, you can take an advance against your credit line, pay it down, and borrow more as needed, up to your credit limit.
A line of credit is ideal for those in need of:
- Ready funds for unpredictable expenses
- Flexibility in the amount of funds borrowed
- Flexible monthly payment amounts
- Peace of mind from knowing that funds are available as needs arise
- Funds for ongoing home improvement projects
Open your own line of credit account now.
Installment Loans
Minute Loan Center offers installment loans. These Utah cash loans extend credit of up to $1,000 with flexible repayment options for up to 9 months. MLC's Utah installment loans carry a low fixed interest rate. The loan is repaid in regular equal scheduled payments, called installments, each including a portion of the principal amount and the interest charged over the loan.
Learn more about our Utah Installment Loans
Installment loans are an especially useful resource for those in Utah who wish to:
- Consolidate other personal loans into one low and easy installment loan.
- Buy furniture, electronics, or appliances versus renting them
- Assist with down payments for cars, boats, housing, or other substantial items
- Assist with unexpected bills.
- Use for short-term emergencies like home or car repairs, medical or dental bills, or avoiding bank overdraft fees
Apply for one of our Utah Installment loans now.
Premier Loans
Minute Loan Center offers another of the most attractive and large-scale Utah personal loans for consumers – the "Premier Loan." This product has gained popularity among consumers seeking Utah cash loans. It carries a borrowing maximum of $5,000, and repayment can be made in small, flexible increments over a 15-month term.
Premier loans are an especially useful resources for those who wish to:
- Consolidate other loans into one low and easy payment to get cash loans from our loan store in Utah
- Buy furniture, electronics, or appliances versus renting them
- Assist with down payments for cars, boats, housing, or other substantial items
- An alternative to refinancing your home or second mortgages
Quickly apply for a Premier Loan now.
Store Locations:
MLC Utah Loan Products Provide Better Options
| Product | Term | Access to Credit | Repayment |
|---|---|---|---|
Line of Credit(MLC Option) | Open-ended | Revolving | Minimum Payments |
Installment Loan(MLC Option) | Fixed Term | Fixed Amount | Fixed Payments |
Payday Loan(Competitor Option) | Fixed Term | Fixed Amount | Fixed Payments |
Title Loan(Competitor Option) | Fixed Term | Fixed Amount | Fixed Payments |
Itemization of Charges – Revolving Credit
| Interest Rates and Interest Charges | |
|---|---|
Annual Percentage Rate (APR) for Advances | For balances up to $5,000, between 179.00% and 701.5625%, depending on your creditworthiness |
Paying Interest | We will begin charging interest on advances on the transaction date. |
| Fees | |
|---|---|
Set-up and Maintenance Fees | |
Account Set-up Fee | $9.95 (one-time fee) |
Annual Fee | $24.95 |
Transaction Fees | |
Advance Fee | Either 10% or $1 of each Advance, whichever is greater. |
Penalty Fees | |
Late Payment | $30 |
Other Fees | |
Credit Limit Increase Fee | $4.95 each time we agree, at your request, to increase the credit limit. |
Paper Statement Delivery Fee | $9.95 for each paper statement we print and mail to you, if you cancel or withhold consent for us to prepare and deliver electronic statements. |
Installment Loan Fee Schedule as of
February 21, 2024
| Amount Financed | # of Payments | Payment Frequency | Payment Amount | Final Payment Amount | Interest Total | Total Loan Amount | APR |
|---|---|---|---|---|---|---|---|
$100.00 | 6 | Bi-Weekly | $26.79 | $26.82 | $60.77 | $160.77 | 403.47% |
$700.00 | 6 | Bi-Weekly | $207.39 | $207.44 | $544.39 | $1,244.39 | 504.54% |
$400.00 | 10 | Bi-Weekly | $83.66 | $83.87 | $436.81 | $836.81 | 423.66% |
$800.00 | 10 | Bi-Weekly | $186.98 | $186.98 | $1,069.80 | $1,869.80 | 504.54% |
$600.00 | 15 | Bi-Weekly | $113.06 | $113.22 | $1,096.06 | $1,696.06 | 443.88% |
$1,000.00 | 15 | Bi-Weekly | $191.76 | $192.10 | $1,876.74 | $2,876.74 | 453.99% |
$700.00 | 20 | Bi-Weekly | $124.84 | $125.26 | $1,797.22 | $2,497.22 | 443.88% |
$1,000.00 | 20 | Bi-Weekly | $129.81 | $129.74 | $1,896.13 | $2,896.13 | 464.09% |
$1000.00 | 33 | Bi-Weekly | $119.44 | $121.11 | $2,943.19 | $3,943.19 | 302.32% |
$5000.00 | 33 | Bi-Weekly | $597.22 | $598.76 | $14,709.80 | $19,709.80 | 302.32% |
Our easy applications takes just a minute or two to complete – with no credit hit.
Within minutes you’ll receive your loan approval.
Get funds deposited into you account immediately upon approval
Personal Loans in Utah FAQs
We offer different types of cash loans in Utah. If you are eligible for one of our Premier Loans, you may receive up to $5,000.
We’ve Made It Fast and Simple!
Just complete a simple online application online and within minutes, you’ll receive your offer and terms – without a hit on your credit score.
Find out now how much you can borrow.
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Disclaimer: Loan approval and terms are subject to verification of application information, underwriting review, and compliance with applicable state law. Not all applicants will qualify for the lowest advertised rates or for same-day funding. Funding times may vary based on bank processing schedules and customer verification requirements. Fees, repayment terms, and product availability differ by state. Please review your loan agreement carefully for complete terms and conditions. Please borrow responsibly. Loans are intended for short-term financial needs and are not a long-term financial solution.