Are You Looking for Online Installment Loans in Utah?

CASH 1 offers a flexible alternative - A line of credit to cover your unexpected expenses. You get a pre-approved borrowing limit and can make multiple withdrawals up to your approved credit limit. Access your account online and withdraw as much as you need whenever you need it. You make regularly scheduled payments on the amount you borrowed or pay it off immediately. With CASH 1, your available credit will increase when you make three on-time payments in a row!

What Our Customers Say


How Does a Personal Line of Credit Work?

Apply in Minutes

Apply in Minutes
Start your Utah loan online. It's secure and simple.

Choose Your Loan Options

Choose Your Loan Options
With flexible loan amounts, you can choose the amount of your loan.

Get Cash in Your Account

Get Cash in Your Account
Once approved, CASH 1 will deposit your money into your bank account.


Revolving Credit Terms for Utah Residents

Bi-Weekly Example:
Credit Limit Range $701 to $1,000

APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
199% $97 10.25 Months $2,038.79 $1,038.79
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
280% $140 7 Months $2,001.43 $1,001.43

Rates are calculated using the simple interest method. APR calculation is based on bi-weekly payments, with your first payment being 14 days from the effective loan date. Annual percentage rates (APRs) may vary based on the loan term. Please see your loan agreement for the APR and other terms applicable to your loan. Loans are subject to approval.

Loan Amount
If you're a Utah resident, CASH 1 offers a Utah revolving line of credit with amounts between $100 and $2,500.

Loan Cost / Interest
The annual percentage rate (APR) will range between 99% - 390% depending upon the repayment method you select.

If you choose to repay your Line of Credit Loan via an Employer-Initiated Payment, your Annual Percentage Rate will range between 99% and 299%.

If you choose to repay your loan via a different payment method, your Annual Percentage Rate will range between 185% and 390%

Prepayment of Loan
There are no extra costs involved to pay off your Utah Loan earlier. You can make an early payment or a larger payment to bring down your principal amount.

We encourage our customers to pay off the loan early to reduce the finance charges you'll pay.

Late Charges
$30 or 5% of the unpaid amount of the minimum payment, whichever is greater. If any minimum payment is not paid in full by its scheduled due date. As per section 70C-2-102 of the Utah Consumer Credit Code.

  1. Requirements
  2. Requirements

    1. Utah Resident
    2. 18 Years of Age or Older
    3. Proof of Income
    4. Open Checking Account
    5. Not on Active Duty in the Military
  3. Apply Now

  1. Utah State License
  2. Utah State License

    CASH 1 is a state-licensed direct online lender in Utah. Personal lines of Credit Loans are funded by CASH 1 UT, LLC and governed by all applicable laws.

View License

Why You Should Choose CASH 1 Loans in Utah

We've been in business since 1997. Loans for bad credit are our specialty, and our finance experts can get the right loan for you.

  • Sign up for Auto-Pay, get an additional $400!
    Sign up for Auto-Pay with your account and avoid late payments.
  • Grow your credit line
    If you make your first three payments on-time, you could qualify for more money.
  • Get lower percentage rates over time
    If you make payments on-time and your credit grows, your Annual Percentage Rate will decrease.
  • All credit types accepted
    You can get a loan with good or bad credit. Applying will not affect your credit score.
  • Fast and convenient application
    After you fill out our online application, a representative will review your submission and give you a call.
  • CASH 1 is a direct lender
    You deal with us throughout every aspect of your loan process. There's no middleman!

Frequently Asked Questions About Online Loans in Utah

I Don't Live in Utah, Can I Still Apply for an Online Loan?

To apply for a Utah Line of Credit, you need to be a resident of Utah. We offer funding in these counties and more: Salt Lake, Utah, Davis, Weber, Washington, Cache, Tooele, Box Elder, Iron, Summit, Uintah, Wasatch, Sanpete, Sevier, Carbon, Duchesne, San Juan, Millard, and Morgan.

If you live in a different state, please check our Location page to see if our other loan products such as Installment Loans, Title Loans, or Line of Credit are available in the state you reside.

Can I Get a Personal Line of Credit With Bad Credit or No Credit?

At CASH 1, your traditional credit score does not come into play for getting you the cash you need. All you need to have is proof of income, a valid government-issued ID, an open checking account, or a direct deposit card.

When Will I Receive My Funds?

If your application is approved before 10:00 AM PST, your loan can be funded the same business day. Approvals after 10:00 AM PST will typically be funded the next business day. In most instances, funds are disbursed on the same day the loan is finalized.

Is the Application Process Paperless?

In most cases, our loan process is paperless, making it easy to get the money you need. We are available online 24 hours a day, 7 days a week. You can start the loan application process anywhere you have the Internet.


Still have questions about Personal Line of Credit Loans? Check out our FAQs.

Regulatory Contact Information

Utah Department
of Financial Institutions
324 South State Street, Suite 201
Salt Lake City, UT 84111
Phone: (801) 538-8830
Fax: (801) 538-8894

Get the Money You Need with CASH 1!

Get started online