Online Installment Loans in Utah by CASH 1

Are you looking for an Installment Loan in Utah? CASH 1 can help. We are a trusted direct lender offering Utah Installment Loans with a revolving line of credit to cover your unexpected expenses.

An Installment Loan is a short-term loan product with payments spread over time. The lender and the borrower can agree upon these payments; weekly, biweekly, and monthly installment periods are typical.

You can quickly be approved to receive your cash in your bank account the same business day.

What Our Customers Say


How Do Utah Installment Loans 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.


Installment Loan Details for Utah Residents

Bi-Weekly Example:
$1,000 installment loan assumes a 6-month term with bi-weekly payments.

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 Utah Installment Loans with a 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 Installment Loan via an Employer-Initiated Payment, your Annual Percentage Rate will range between 99% and 299%.

If you choose to repay your Installment 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 Installment 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.

Repayment of Loan
The Utah Installment Loan term ranges from 2 – 22 months. The repayment schedule ultimately depends on when you get paid.

If you get paid weekly, bi-weekly or semi-monthly, you'll have 23 scheduled installments for 11 months. But If you are paid monthly, you'll have 11 scheduled installments.

The APR, repayment amount, and payment schedule will vary depending on the specific details of your loan, which are available in your loan agreement.

See the example below for a standard Installment loan in Utah with corresponding APR.

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. Installment loans 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 Installment Loans in Utah

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

To apply for a Utah Installment, you need to be a resident of Utah. We can make your installment loan application secure and fast if you reside in the following counties: 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.

How Is an Installment Loan Different From a Payday Loan?

With an Installment Loan, you are not required to make payment in a lump sum, but you must pay back the loan in installments. This makes it easier for the borrower to manage, and the loan gets paid back on time.

With a payday loan, you're required to pay back the loan in full on your next payday. This loan repayment format is challenging.

Can I Get an Installment 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 The Funds From My Installment Loan?

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 Installment Loan Application Process Paperless?

In most cases, our Installment 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 Installment Loans with revolving credit? 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