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Bad Credit Loans in Utah

These days, a lot of people have bad credit due to mistakes in their past. These things happen. Just because you have bad credit does not mean your financial expenses go away. You still wind up with bills to pay off, trips to take, and school loans to repay. It’s a lot on your plate all at once. Regardless of your credit score, Wise Loan believes you deserve a shot. We proudly offer loans for people with bad credit in Utah!

Loans for Bad Credit in Utah

Not everyone has a fantastic credit history or an extensive savings account. Sometimes, life can throw you a curveball and you need money soon to deal with the mess. When the majority of people have “bad credit” – over half of all Americans – it only makes sense to design a loan solution for such people.

What are Bad Credit Loans?

A bad credit loan is a type of personal loan designed specifically for those with poor or no credit to their name. One of the primary characteristics of a bad credit loan is the higher interest rate. You see, with bad credit, there is sometimes a history of non-payment. As such, lenders must protect themselves.

How Do Loans for Bad Credit Work?

When you apply for and receive a bad credit loan, you receive the money quickly and you can begin making monthly payments. Often, as you repay this loan on-time, your credit will see a positive boost.

Find the perfect bad credit loan in Utah for your needs. Contact Wise Loan at 800-516-7840. Please take a moment to read our terms and conditions below.

How Much You Can Borrow?

In the state of Utah, Wise Loan offers loan amounts between $200 – $3500. You don’t necessarily need to have good credit to be approved for a bad credit loan. Amounts, as well as approvals, are determined by several factors including your credit and loan repayment history.

Flexible Payment Terms

With a Wise Loan installment loan, you get to pick the number of payments needed to pay off the loan. Utah residents can choose from flexible schedules with terms up to twelve months. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to make payments on time.

Cash Back Rewards

By paying your bad credit loan in Utah in a timely fashion, you can earn cash back rewards! For every $1000 borrowed and paid back on time, you could have $10 – $50 deposited into your Nest Egg account.

Terms And Conditions For Utah

Essential Lending, Inc. DBA  Wise Loan, is not the lender in Utah, and we cannot guarantee that your application will result in a funded loan. Essential Lending Inc. is a credit services organization (CSO)/credit access business (CAB). We help you to obtain a loan from a lender at a simple interest rate of 10% per annum. For this service, we will charge a CSO fee. The amount of the fee that you will be charged is based on the amount of loan you receive from a lender and the number of payments you choose for repayment. You are not required to pay the fee upfront, or in one lump sum. Each repayment amount will include a portion of the CSO fee, and you can save money by paying off your loan early. If any payment you make to Essential Lending or to the lender is returned for any reason, you will owe a returned item fee of $30. Please review the full terms and conditions and privacy policy for more information. Rates are calculated using the simple interest method. The APR shown on your loan documents will include the total of the lender interest and the CSO fee and may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.

Local Reviews
for Salt Lake City,Orem,Roy,Sandy,Lindon,Logan,Provo,Vernal,West Valley City, UT

Wise Loan Rated 5.0 out of 5 stars based on 7 customer reviews

Map of Salt Lake City, UT 84129

Excellent service




Review of Wise Loan

I have recently had a difficult hardship in my life and he and the company helped me out so much! I appreciate everything you do!!!

Salt Lake CityUT84129 40.6625-111.9675

Response from Wise Loan:

Stella, 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


Map of Orem, UT 84059

Great service




Review of Wise Loan

OremUT84059 40.305-111.7525

Map of Salt Lake City, UT 84115

Excelent service




Review of Wise Loan

Excelent experience

Salt Lake CityUT84115 40.7175-111.8975

Map of Salt Lake City, UT 84120

Best sweetest gal to work with




Review of Wise Loan

Alma has helped me make my payments on time. Since I have a head injury and am not able to remember dates she has helped to get those payments on time or adjust the dates when my payments from work changed so that my account hasn't gone into the negatives. She's so sweet and up beat that it is really quite a pleasure speaking to her to get my loan paid in full. Other agents could learn a bunch from her and think she should be promoted with her upbeat attitude and skills at communicating and understanding situations at hand. She is a great asset to your company. Thank you!

Salt Lake CityUT84120 40.7-112.0125

Map of Salt Lake City, UT 84119

Great service, very happy and helpful




Review of Wise Loan

great experience

Salt Lake CityUT84119 40.71-111.965

Map of Orem, UT 84097

good service




Review of Wise Loan

Young lady was very kind and helpful

OremUT84097 40.3025-111.675

Map of Provo, UT 84601

Friendly service




Review of Wise Loan

Super easy!!

ProvoUT84601 40.235-111.69

Jude C.

Jude C.

Near Logan, UT 84341
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near S Laurel Green Dr, West Valley City, UT 84120
Trent T.

Trent T.

this is trent the one who assisted you earlier would you mind to rate my service today it would be much appreciated Thanks!!!

Near S 3200 W, Salt Lake City, UT 84129
Olga S.

Olga S.

Near W 5415 S, Salt Lake City, UT 84118
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84111
Jude C.

Jude C.

Near Sandy, UT 84070
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84101
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84101
ROBBY G.

ROBBY G.

Near Roy, UT 84067
Jude C.

Jude C.

Near Roy, UT 84067
Jude C.

Jude C.

Near Salt Lake City, UT 84101
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84111
Stillman .

Stillman .

cust wanted to verify pay plan set by Jude, sent pay plan schedule via email-Stillman

Near Walnut Dr, Salt Lake City, UT 84116
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84111
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84111
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Jordan Oaks Dr S, Sandy, UT 84070
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Jordan Oaks Dr S, Sandy, UT 84070
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near S 120 W, Salt Lake City, UT 84107
Jude C.

Jude C.

Near Salt Lake City, UT 84129
Jude C.

Jude C.

Near Salt Lake City, UT 84119
Jude C.

Jude C.

Near Salt Lake City, UT 84107
Jude C.

Jude C.

Near Sandy, UT 84070
Jude C.

Jude C.

Near Salt Lake City, UT 84116
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84101
ROBBY G.

ROBBY G.

Near Orem, UT 84059
Jude C.

Jude C.

Near Sandy, UT 84070
Jude C.

Jude C.

Near Salt Lake City, UT 84115
Jude C.

Jude C.

Near Salt Lake City, UT 84115
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84107
ROBBY G.

ROBBY G.

Near Sandy, UT 84070