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Personal Loans in Utah

A personal loan is designed to be simple, easy to repay, and able to cover everything life can throw your way. Whether you’re working to repay your student loans or trying to cover the cost of a new car, a personal loan in Utah may be the answer you need.

What Is a Personal Loan?

There is a lot of confusion around the various types of loans. A personal loan is a lump sum of money that you will receive upon being approved, which you then repay over monthly installments, with interest, until the full amount is repaid – usually over two to five years.

What Can I Pay for with a Personal Loan?

A personal loan can be used for quite a bit. It all depends on your situation. You may wish to use your personal loan for:

  • Debt Consolidation
  • Unexpected Expenses
  • Medical Bills
  • Home Improvement Projects
  • Special Events

In reality, you can use a personal loan for anything you wish. Once you’re approved, the money is yours to keep and use.

What’s the Difference Between a Personal Loan and a Line of Credit?

Both a personal loan and a line of credit are designed to provide the borrower – that’s you – with the opportunity to receive cash-in-hand quickly. The primary difference is how you receive the money and how you repay the loan. With a personal loan, you receive the money all at once. Then, you pay over a fixed term. With a line of credit, you draw, repay, and redraw available funds from an account.

Can I Get a Personal Loan with Bad Credit?

It is absolutely possible to receive a personal loan with bad credit. Here at Wise Loan, we have various loan-qualification requirements and terms, much like a traditional bank, designed to help people with bad credit or low credit scores.

If you’re interested in applying for a personal loan in Utah, contact Wise Loan today by calling 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 online installment loan, you must follow Essential Lending’s payment schedule to pay off the loan. Utah residents can choose from up to 12 monthly payments, 26 bi-weekly payments, 24 semi-monthly payments or 52 weekly payments. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.

Repayment Schedule

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.

Terms And Conditions For Utah

Always review the full terms and conditions and privacy policy before taking out a loan. Rates are calculated according to the rates allowed under the laws of Utah. APR calculations are based on your first payment date being 14 days from the loan effective 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.

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 11 customer reviews

Map of Roy, UT 84067

Excellent service




Review of Wise Loan

So helpful and took care of my request quickly

RoyUT84067 41.1775-112.035

Response from Wise Loan:

Debra, 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 Salt Lake City, UT 84129

Excellent service!!




Review of Wise Loan

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 Salt Lake City, UT 84101

EXCELLENT TOOK CARE OF ASSISTING ME- FRIENDLY




Review of Wise Loan

THANKS SO MUCH FOR ASSISTING- FRIENDLY

Salt Lake CityUT84101 40.7575-111.8975

Response from Wise Loan:

Shalene, 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 Salt Lake City, UT 84129

Excellent service!




Review of Wise Loan

My experience with Jude was amazing! He listened to a concern I had with my account and helped me to resolve it. He is professional while still being kind and helpful. I would use this company again if I needed to in the future knowing they have employees like Jude!

Salt Lake CityUT84129 40.6525-111.965

Response from Wise Loan:

Angie, 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 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

Friendly service




Review of Wise Loan

Super easy!!

ProvoUT84601 40.235-111.69

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 Taos Dr, Sandy, UT 84093
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 Taos Dr, Sandy, UT 84093
Trent T.

Trent T.

would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.

Near S 3200 W, Salt Lake City, UT 84129
Jude C.

Jude C.

Near West Valley City, UT 84128
Jude C.

Jude C.

Near Roy, UT 84067
Trent T.

Trent T.

This is Trent, the one who assisted you today. Would you mind filling out this review request regarding my performance today? It would be greatly appreciated. THANKS!!!

Near S 3200 W, Salt Lake City, UT 84129
Jude C.

Jude C.

Near Salt Lake City, UT 84101
Jude C.

Jude C.

Near Sandy, UT 84070
Jude C.

Jude C.

Near West Valley City, UT 84120
Jude C.

Jude C.

Near Roy, UT 84067
ROBBY G.

ROBBY G.

Near Salt Lake City, UT 84101
Jude C.

Jude C.

Near Salt Lake City, UT 84129
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