Have Bad Credit in Utah? Need a Loan?

CASH 1 offers online loans in Utah. If you have bad credit and need extra money to cover an unexpected expense, you can apply for a line of credit online.

Get Approved Today!

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Access your available credit 24/7
Manage your existing CASH 1 account
Conveniently make payments

How A Bad Credit Loan Works in Utah

We start you off with a small loan. Every time you make three on-time payments consecutively, your credit will increase by $100. Keep making those payments on time and watch your credit grow and your annual percentage rate drop.

If you worry about missing a payment, sign up for Automatic Payments from your paycheck. You'll qualify for more cash right away.

What You'll Need to Apply for a Loan

Here's what you'll need to qualify for a CASH 1 loan in Utah:

Utah Resident
18 Years of Age or Older
Open Checking Account
Proof of Income
Not on Active Duty in Military

Requirements for New Customers.

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The CASH 1 Advantage

CASH 1 has been in business since 1997. Cash advance loans are our specialty, and our finance experts can get the right loan for you.

Convenient Cash When You Need It
A line of credit is extra cash that you have on standby whenever you're short on money.

Apply Only Once
Once approved, you won't need to fill out another application when you need funds.

Increase Your Credit Line
If you make your first three payments on-time, you could qualify for more money. Your credit can reach a $2,500 limit.

No Credit Requirement
You can qualify for a line of credit even if you have a bad credit score.

How to Get a Loan in Utah

You can get started with these three simple steps:

Apply in Minutes
Start your application online. It's quick, simple and secure.
Get Approved
We offer instant approval, so you'll know how much money you qualify for on the same day.
Get Cash in Your Account
Once approved, your money can be deposited into your bank account the next business day.

Apply Now

FAQs for Online Bad Credit Loans in Utah

We answer common questions about how Utah online loans for bad credit work.

Why Choose CASH 1 Loans?

CASH 1 has been providing loans to people denied by traditional banks and other lenders for over 20 years. Over that time, we've streamlined our lending process to ensure that your experience is convenient and enjoyable.

How Do I Use My Line of Credit?

A line of credit is like a credit card. You receive a credit limit, and you may take out cash up to the credit limit. As you make payments, you pay down your balance, which creates available credit. You can get some money any time you have available credit.

Do I Have to Live in Utah to Apply for a Loan?

If you're not a resident of Utah, you cannot be approved for a line of credit. We do offer different types of loans for people living in Arizona and Nevada.

When Are My Payments Due?

Your due dates coincide with your pay dates. You can set up Auto-Pay, so you don't have to worry about this. With Auto-Pay, you could get an additional $400 today.

If I'm Late on My Payment, Will I Still Get a $100 Credit Increase?

If you're late, you will need to make nine on-time payments – instead of three on-time payments – before your credit grows. Are you worried you could be late? The best way to prevent a missed payment is to set up Auto-Pay.

Can I Pay Off My Loan Early?

Yes, you can. There are no penalty fees for paying off your loan early.

Have more questions? Please contact one of our friendly Loan Representatives.

Borrow Responsibly and Follow These Tips

Pay Down the Principal
When discussing your repayment terms with us, ask how you can make payments on your principal loan amount in addition to paying interest. The best way to pay off your loan faster is to add a small amount to your minimum payment. If you can afford to pay a higher amount, it will help you to pay off your loan quicker.

Budget Your Pay
Depending on your income, you can set up your loan payments accordingly. Work out your payments so that you only need to spend a small amount of your paycheck on your loan payments. Account for any other financial obligations you have, and budget it out. Allow yourself the flexibility to afford day-to-day activities and needs.

Consider the Length of Your Loan
Depending on your need and the loan terms, always take into consideration the length of your loan. If you need it, consider taking longer to pay back your loan. As you apply for your loan, know what you can afford and how quickly you'll be able to make payments.

Find the Loan That Works for You
Finding the right loan to fit your needs and budget is important. Our Utah installment loans are designed to be flexible enough for you to pay back the loan quickly and without any hassle. For convenience, you even have options to set up terms like Auto-Pay, or if you can afford it, you can pay the loan off early without having to worry about pre-payment penalty charges.