Faced with Imperfect Credit? Explore Bad Credit Loans in Utah.

Discover a path to financial relief with bad credit loans, no matter your credit history. Begin your journey to overcoming financial hurdles in Utah today.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus

Become part of the Utah community that has improved its financial situation.

What are Bad Credit Loans?

Bad credit loans are available to consumers with low credit scores, generally from 500-625. If that’s you, you may qualify for a loan with Wise Loan. These loans offer hope for managing emergencies, covering unforeseen costs, or aiding in personal financial rehabilitation. Distinct from traditional financing options, bad credit loans in Utah are designed with the borrower’s unique situation in mind, providing opportunities for economic improvement. Wise Loan offers flexible borrowing options, from $500 to $1,500, to support your financial journey toward stability.

How It Works

Obtaining a bad credit loan in Utah is designed to be a seamless and hassle-free experience.

1

Apply for a Loan

Our process is straightforward and user-friendly. Anyone aged 18 or older is welcome to apply, regardless of your credit background. A checking account is necessary to complete the application.

2

Receive a Decision

Our approval process is simple. Once your application is in, expect to hear back from us within minutes to an hour. We evaluate applications holistically beyond credit scores to make our decision.

3

Get Funds

If approved, the funds are usually deposited into your account often within the same or the next day. Direct deposit is a requirement for the disbursement of funds.

Why Choose Wise Loan?

Selecting Wise Loan, a leading direct lender, for your bad credit loan in Utah signifies choosing a lender distinguished by its straightforward application process, outstanding customer support, and adaptable repayment plans. We recognize the significance of customized financial solutions and are committed to offering terms that align with your requirements and situation. Furthermore, our Nest Egg program and cash-back incentives provide additional advantages, encouraging timely repayments and creating a financial safety net for tomorrow. With Wise Loan, you’re not merely taking out a loan; you’re laying the groundwork for a more prosperous and stable financial future.

Types of Bad Credit Loans in Utah

Discover Utah’s various bad credit loan options, including payday, installment, and personal loans, to address diverse financial requirements.

Payday Loans

Ideal for addressing short-term financial gaps, payday loans provide a swift cash boost to tide you over until your next payday. These loans are generally for small amounts and have a brief repayment timeline, serving as a practical option for immediate financial crunches without long-term obligations.

Installment Loans

Installment loans present a more organized borrowing strategy featuring predefined repayment schedules. This loan type fits individuals requiring larger sums and wanting consistent monthly payments. It offers a balanced way to handle your financial obligations without the stress of a one-time, full repayment.

Personal Loans

Personal loans offer a flexible financing route for substantial expenses or for consolidating debt, ranging from home renovations to covering medical expenditures. This financial solution provides more significant amounts with competitive interest rates, making them attractive for thorough financial strategizing.

What to Consider When Looking for Loans

In the quest for Utah loans for bad credit, you must choose to match your financial circumstances and objectives. Keep these crucial considerations in mind:

Interest Rates

Aim for competitive interest rates that are feasible for your financial landscape.

Fees

Watch out for any initial or concealed fees linked to the loan.

Repayment Terms

Choose terms that ensure flexibility and compatibility with your budget, mindful of your monthly expenses.

Lender Reputation

Investigate lenders to confirm their credibility and positive feedback from customers.

A well-thought-out evaluation of these factors is critical to selecting a loan that fulfills your requirements while maintaining your financial health.

Eligibility Requirements in Utah

For loan eligibility for a bad credit loan in Utah, you must satisfy certain conditions to confirm your ability to handle the loan with accountability. The qualifications encompass:

Age

Applicants need to be 18 years or older.

Checking Account

A valid checking account is necessary for the application.

Direct Deposit

An active bank account with direct deposit is required to receive the funds.

Income

Proof of a consistent source of income is crucial to show the repayment capacity.

These stipulations are in place to protect both the lender and the borrower, ensuring that loans are extended to those who can use them effectively without exacerbating their financial situation.

Hear From Our Customers

    • 4.8
    • 1,125 reviews
    • 4.5
    • 1,907 reviews
    • 4.9
    • 2,839 reviews

Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1312 customer reviews

Great Employee!!!




Review of Wise Loan

Olga was great! She found a way to make me happy and close my loan with a smile heard through the phone. Great employee!!!

MetairieLA70003 29.99-90.22

Excellent




Review of Wise Loan

Jude was awesome and helped me out today

ManchesterMO63021 38.5575-90.535

Response from Wise Loan:

Christina, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

MesquiteTX75149 32.79-96.61

Response from Wise Loan:

Angela, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at [email protected]. Best regards, The Call Center


Exceptional service




Review of Wise Loan

Facing a difficult time, i called spoke to Jude he was fantastic helped me with my situation

AlamoTX78516 26.12-98.1125

Response from Wise Loan:

Javier, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Very appreciative of the kind service I received




Review of Wise Loan

Thank you for your patience with me in my time of distress. Excellent Service

WauwatosaWI53225 43.11-88.04

Response from Wise Loan:

Lamonte, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Services were excellent

MadisonvilleTX77864 30.9325-95.9425

Response from Wise Loan:

Stephanie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Services




Review of Wise Loan

Robby was very kind, and knowledgeable. He was very clear when speaking and explained everything very thoroughly!

SmithlandTX75657 32.7775-94.3575

Response from Wise Loan:

Robin, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very nice and knowledgeable

Fort WorthTX76111 32.7825-97.3025

Response from Wise Loan:

Edna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great Service




Review of Wise Loan

Jude has been very helpful with getting my funds reimbursed.

HammondLA70401 30.515-90.4775

Response from Wise Loan:

Kiara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

Everything's on point

MesquiteTX75149 32.7575-96.61

Response from Wise Loan:

Loonie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Very friendly!




Review of Wise Loan

Great help!

IrvingTX75039 32.8925-96.9475

Response from Wise Loan:

Ron, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

He took care of the needs with no problem.

AngieLA70426 30.9425-89.8875

Response from Wise Loan:

Vanessa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

Good experience

El PasoTX79936 31.76-106.2875

Response from Wise Loan:

Sandra, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

ThibodauxLA70301 29.81-90.7725

Response from Wise Loan:

Chauncey, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Okay




Review of Wise Loan

I didn't see a email of my payment confirmation. Would like one.

HarringtonDE19952 38.905-75.645

Response from Wise Loan:

Dear Ms. Wallace We would like to respond to your recent communication regarding your payment confirmation. While the Company did send out the required payment confirmation, it seems that it went to your spam emails. We encourage you to always check your spam as we are not sure why these emails may go to spam, however, we encourage you to call our office with any questions. Customer Service is our #1 goal, and we thank you for your continued business. Best regards, The Call Center


Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Trudeau Dr, Metairie, LA 70003
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Stulan Burn Dr, Humble, TX 77346
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Lancaster St, Platteville, WI 53818
Jude C.

Jude C.

Near Midland, TX 79701
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near N State Hwy 360, Mansfield, TX 76063
Jude C.

Jude C.

Near Houston, TX 77095
ROBBY G.

ROBBY G.

Near Riviera, TX 78379
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Beigewood Ln, Humble, TX 77338
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Country Pl Dr, Houston, TX 77079
ROBBY G.

ROBBY G.

Near Richmond, TX 77407
ROBBY G.

ROBBY G.

Near Melissa, TX 75454
Jude C.

Jude C.

Near Howard, WI 54313
Jude C.

Jude C.

Near Bourbon, MO 65441
Jude C.

Jude C.

Near Kirksville, MO 63501
ROBBY G.

ROBBY G.

Near Godley, TX 76044
ROBBY G.

ROBBY G.

Near Thiensville, WI 53092
ROBBY G.

ROBBY G.

Near Port Sulphur, LA 70083
ROBBY G.

ROBBY G.

Near Alpine, TX 79830
ROBBY G.

ROBBY G.

Near Union, MO 63084
ROBBY G.

ROBBY G.

Near Red Oak, TX 75154
Jude C.

Jude C.

Near Manchester, MO 63021
Jude C.

Jude C.

Near Austin, TX 78702
Olga S.

Olga S.

Near Old Sterlington Rd, Monroe, LA 71203
Olga S.

Olga S.

Near Princeton Dr, Arlington, TX 76015
Olga S.

Olga S.

Near County Rd K, Menomonie, WI 54751

Member of

Frequently Asked Questions

What is the Easiest Loan to Get in Utah?

In Utah, the most accessible type of loan, particularly for those with less-than-perfect credit, is often a payday loan. These financial solutions have fewer eligibility requirements than traditional ones, prioritizing your current repayment capability over your credit history. Nonetheless, the higher interest rates and brief repayment periods linked with payday loans necessitate careful consideration to confirm they fit your short-term financial needs. It’s crucial to review all available options thoroughly before committing.

Can I Get a Loan if I Have Bad Credit?

Indeed, securing a loan in Utah with bad credit is possible. Direct lenders cater to individuals with low credit scores, focusing on other aspects like income level and the ability to repay the loan. Loans designed for bad credit aim to offer financial relief and a chance to enhance your credit rating with regular, on-time payments. Enhancing your credit score can be beneficial in the long run.

What is the Lowest Credit Score to Borrow?

The minimum credit score needed for a loan varies significantly across different lenders and types of loans. Online loans for bad credit in Utah may not set a strict minimum credit score, instead evaluating your broader financial situation and repayment capacity. Be prepared that lower credit scores might attract higher interest rates and more stringent repayment conditions. It’s vital to understand the lender’s requirements thoroughly and ensure you are eligible before applying.

Resources

9 Loans Like Upstart

9 Loans Like Upstart

Exploring personal loan options similar to Upstart unveils many alternatives, each with unique benefits tailored to different financial scenarios. As you navigate...

read more

Apply for a Loan with Wise Loan

Take control of your financial future by starting your application for a bad credit loan with Wise Loan.