Online Installment Loans in Utah
Looking for a Utah installment loan that's easy to qualify for? Wise Loan offers no-hassle installment loans in Utah for people with all types of credit. Find out more about your online loan options below and apply now for added benefits such as access to instant funding.
Get The Money You Need – When You Need It!
No matter where you are in Utah, Wise Loan can help you find the right installment loan for your needs. The cities we serve include:
Salt Lake City, Utah
Ogden, Utah
St. George, Utah
Provo, Utah
Orem, Utah
Sandy City, Utah
Instant Loan Decision
Money in 24 Hours
Easy, Flexible Payment Terms
You can get online installment loans in Utah with funding within 24 hours or sooner if you qualify. Instant funding is an option for those that apply before 5:30 pm CT and who have a Visa or Mastercard debit card associated with their bank account. Same-day funding may be possible if you apply before 11 am CT, and most other loans fund the next business day.
You don’t need an excellent credit score to get an online loan from Wise Loan, but you do need valid contact information, verifiable income and an active checking account where you can receive your funds.
What you need for your application
Government-issued ID showing you reside in the state of Utah
A recent bank statement
A personal check or debit card associated with your checking account
Verifiable income, such as a pay stub from your employer or a direct deposit
How it Works
Getting an installment loan online is a simple, safe and secure three-step process.
Apply
Complete the quick online application for an installment loan in Utah. It takes less than a few minutes to complete our application process, and you generally get a response within minutes.
If you’re approved for the loan, your response will include installment loan terms to review. You’ll see how much you can borrow, how long you have to pay it back, the interest rate you’ll pay to borrow the funds and payment plan options. In Utah, our loan amounts range between $200.00 and $2,000.00 for first time customers and up to $3,500.00 for returning customers.
Accept Offer
Until you accept the offer, you haven’t borrowed the money and aren’t under obligation to make any payments. Once you accept the offer, the funding of your loan is initiated. The type of funding you select or qualify for will determine when your loan will be deposited into your bank account. While Wise Loan transfers funds the same day or next business day, it will depend on your bank policies as to when the funds become available.
Pay Back Your Loan
Online installment loans are typically broken into monthly, weekly or biweekly payments. Wise Loan makes it easy for you to set up automatic repayments and rewards positive loan repayment history with cash-back rewards.
Take Control of Your Installment Loan Payment Terms
You’re not trapped in a payment agreement you can’t keep when you work with Wise Loan. Flexible payment options let you choose terms that work with your budget. Utah borrowers can choose from terms with payment schedules that last up to 12 months.
Get Cash-Back Rewards
For every $1,000 you borrow and pay back on time and as agreed, you can get $10 to $50 deposited into your Nest Egg account with Wise Loan.
WHAT OUR CUSTOMERS HAVE TO SAY
Local Reviews for Utah
Reviews
Helpful and friendly
TAYLER -
South Jordan, UT 84095
Robbie has been helpful and friendly while helping me through a rough patch with payments.
Response from Wise Loan:
Tayler, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile and are so glad we were able to help you through your rough patch. Please don't hesitate to reach out if you have any further questions at [email protected] Best regards. -Wise Loan
To much
DENNIS -
GREENHAVEN, UT 84083
It. Was easy to get the loan but cost to much for. the time you charge to much for interest.thanks for not helping
Great service
SHANNA -
Orem, UT 84059
Excelent service
RICHARD -
Salt Lake City, UT 84115
Excelent experience
Best sweetest gal to work with
Ezekial -
Salt Lake City, UT 84120
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!
Great service, very happy and helpful
BRADLEY -
Salt Lake City, UT 84119
great experience
Great service, and compassionate
TONDRA -
Cedar City, UT 84720
Thank you for providing me facts so Zi could make an informed choice. He said he would follow up on a future date to ensure connection based on my emergency. And desire to pay account.
good service
NORMAN -
Orem, UT 84097
Young lady was very kind and helpful
Friendly service
Michelle -
Provo, UT 84601
Super easy!!
ROBBY G.
ROBBY G.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
ROBBY G.
Jude C.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
Jude C.
Stillman .
cci cust asking first payment date for pay plan adv 10/31 ($50.00), sent pay plan schedule to cst via email-Stillman
Stillman .
cci cust adv hardshi and needs to delete pay plan set, also adv will turn off ach to avoid ach draft on 10/15-Stillman
Stillman .
cci cust paid off loan via debit ($2,117.92)-Stillman
Stillman .
cci cust adv in need of pay plan to payoff loan $635.26, cust will be begin first payment 10/15 $211.75-Stillman
Jude C.
Jude C.
Stillman .
cust wanted to verify pay plan set by Jude, sent pay plan schedule via email-Stillman
ROBBY G.
ROBBY G.
Stillman .
Cci cust paid $136.45 in missing payments via ACH-Stillman
ROBBY G.
FAQs About Utah Installment Loans
What is an installment loan?
An installment loan is an agreement to borrow a set amount of money and pay back the balance over a specific term given at the time of loan approval. These payments are made on a regular basis on a fixed amount, meaning the borrower’s loan payment is the same each time. Common examples of installment loans include student loans, mortgages, vehicle loans and personal loans.
Where can I get an installment loan online?
If you live in the state of Utah, you can apply for an online installment loan with a direct lender like Wise Loan.
How many installment loans can you have?
There’s no real limit for how many installment loans you can have. Many people have various types of loans, not just one. For example, if you have a personal loan, an auto loan and a mortgage, you have three installment loans with different repayment terms. However, you can only have one installment loan through Wise Loan at a time.
Can installment loans be paid off early?
Yes, you can pay your Utah installment loan with Wise Loan off early. Doing so may even help you save money.
What happens if I don't repay my installment loan on time?
If you don’t make your installment loan payment on time, you may end up paying a late fee. Your creditor may also report the late payment to the credit bureaus, which can negatively impact your score.
What will my loan cost?
A Wise Loan installment loan is an expensive form of credit and should be used only when necessary for emergency or unexpected expenses. Annual Percentage Rates (APRs) will differ depending on several factors. Quicker payoffs will result in lower rates. For more information, see an example repayment schedule of a Wise Loan.
Get an Installment Loan Today
You can get a Wise Loan installment loan with funding within 24 hours or faster if you qualify.
Terms and Conditions for Utah
Always read the full terms and conditions and privacy policy before accepting a loan. Rates are calculated according to the rates allowed under the laws of Utah. APR calculations are based on the number of days between the loan effective date and your first payment date and are provided in accordance with federal Truth in Lending laws. APRs may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.
Utah Regulatory Contact Information
Utah Department of Financial Institutions. 324 South State Street, Suite 201, Salt Lake City, UT 8411. Phone: (801) 538-8830. Email: [email protected]
The recommendations contained in this article are designed for informational purposes only. Wise Loan does not guarantee the accuracy of the information provided in this article; is not responsible for any errors, omissions, or misrepresentations; and is not responsible for the consequences of any decisions or actions taken as a result of the information provided above.