Short-Term Personal Loans Utah

A personal loan is a type of installment loan. Once approved, you receive the proceeds of the loan or cash all at once and repay the loan on a schedule. Payments can be scheduled on a monthly, semi-monthly, or biweekly basis according to the terms and payment plan of your loan agreement. 

This type of loan can be taken out for your own personal reasons. The funds go directly into your own hand or bank account, granting you freedom in how to spend your money. 

Personal loans are a simple form of long-term loan. They are also a form of installment loan so you can make smaller loan payments on a regular basis rather than paying the loan back all at once. 

Personal loans require an application and approval process to see if you meet the proper qualifications for borrowers. But once you're approved, you can visit a Check City store to pick up your cash or set up a direct deposit to your bank account.

Traditional payday loans are typically paid back within a matter of weeks.

However, Check City Personal Loans have a 6-month term which allows us to offer a lower Annual Percentage Rate (APR) than our traditional payday loans with monthly payments! Find your state's Rates and Fees Page to learn more.

To qualify for a Utah loan online you just need to fill out the online application. 

All you need for the online application are the following items:

• A Government Issued ID
• Proof of Bank Account
• Proof of Direct Deposit
• Proof of Income
• Valid Phone Number

Our goal is to help you get approved for the maximum credit amount possible. 

We use a number of underwriting tools to determine credit eligibility and to establish a credit limit. We can let you know what you qualify for in just a few minutes online or in one of our stores.

By spacing out the loan payments over a 6-month period Check City is able to offer more flexible affordable payments. 

Each payment that you make goes toward the principal (your initial loan amount) and the interest, so 6 months later your loan is paid in full!

Check City is an online lender, which makes loan approval fast and convenient. If approved you can get your funds deposited into your online bank account. 

For online customers, if your loan agreement is signed prior to 7:00 PM Mountain Time (MT) you should receive your loan proceeds by the next business day. Any loan agreements that are approved after 7:00 PM will not fund the next day, but the following business day. When your funds deposit will also vary on weekends. 

For in-store customers, if your loan agreement is signed and approved then you can walk out with your loan funds immediately.

No, there is no origination fee for personal loans that use automatic ACH payments. However, if a customer decides to opt out of automatic ACH payments, there is a small origination fee. Please see your loan disclosure for terms and conditions.

If approved, refinancing is available for customers who qualify. After your first successful loan payment, you can request to refinance your loan anytime to access credit that is still available to you.

Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.

If a customer misses a payment or is late making a payment then Check City will work with the borrower to help them get back on track. Our friendly loan agents are eager to help our customers whenever they can.

Check City may attempt to contact you using one or more authorized contact methods to arrange for payment. Authorized contact methods may include phone calls, emails, or text messages.

Check City may charge you a fee pursuant to the terms of your loan agreement for late or failed payments. Please see your loan agreement for terms and conditions.