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.