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Loans for Bad Credit 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. We here at Wise Loan believe you deserve a shot. We proudly offer bad credit loans in Utah!

Bad Credit Loans

Not everyone has fantastic credit 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 Bad Credit Loans Work?

When you apply for and receive a bad credit loan, you receive the money quickly and then begin repaying the loan each month. 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 – $2000. You don’t necessarily need to have good credit to be approved for a Wise 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 pay.

Cash Back Rewards

By paying your Wise 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 savings 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 4 customer reviews

Map of Salt Lake City, UT

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!


Map of Salt Lake City, UT

Great service, very happy and helpful




Review of Wise Loan

great experience


Map of Orem, UT

good service




Review of Wise Loan

Young lady was very kind and helpful


Map of Provo, UT

Friendly service




Review of Wise Loan

Super easy!!


Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Orem, UT 84097
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84129
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84118
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84120
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84120
Alma C.

Alma C.

* Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84120
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84119
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma. Thank you!

Near Salt Lake City, UT 84120
Jude .

Jude .

Near Salt Lake City, UT 84119
Bernardo J.

Bernardo J.

Please review your customer service experience with Bernardo Jauregui

Near White Horse Lane, West Valley City, UT 84120
Aaorn M.

Aaorn M.

Helped the customer address and issue with an email she had received.

Near E 750 N, TLR 79, Vernal, UT 84078
Jude .

Jude .

We are happy to have you as a new customer!! Please let us know how we did today!! Thanks, Jude with WiseLoan

Near Salt Lake City, UT 84119
Shannon S.

Shannon S.

WISELOAN/ ESSENTIAL LENDING WOULD LIKE TO HEAR ABOUT YOUR CUSTOMER SERVICE EXPERIENCE WITH SHANNON TODAY!

Near Salt Lake City, UT
Shannon S.

Shannon S.

WISELOAN/ESSENTIAL LENDING WOULD LIKE TO KNOW HOW YOUR CUSTOMER EXPERIENCE WENT TODAY?

Near Salt Lake City, UT
Jude .

Jude .

Please take a moment to review my service for you today at WiseLoan. Thanks!! Jude

Near Sandy, UT 84094
Jude .

Jude .

Hello Chad! Can you please take a moment and review my service today? Thanks!! Jude at WiseLoan

Near Sandy, UT 84094
Claire B.

Claire B.

Near W 50 N, Provo, UT 84601