A cash advance is a short-term, unsecured cash loan to help you until your next payday. Customers choose cash advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties that come with other outstanding debts. At Utah Money Center, it is easy and quick to get a short-term loan, including a cash advance. First, apply online or over the phone for your installment loan. A customer representative will quickly reach out to finalize your loan. Once approved for a cash advance, you come in to one of our loan center locations to pick up the money.

Nope! Utah Money Center is a leader in helping people with all types of credit scores get quick cash loans. We are not like the regular bank, only able to lend to individuals with a perfect credit score. While we desire to assist everyone that applies for one of our short-term loans, there are some limited circumstances that may prevent us from being able to approve an installment loan. Rest assured that we do our very best to find a method to assist you whenever possible, whether in the form of a signature loan, title loan or another quick cash format. A credit score does not have an impact on a short-term loan or signature loan.

No problem! You’re definitely in the right place for this type of short-term loan at Utah Money Center! You only pay interest for the days that you have the installment loan. This is a much better deal than a payday loan, where you would pay the same up-front fee whether you need the loan for six days or 14 days. Your interest paid on a cash loan could be extremely low if you’re able to repay the full amount in just a few days.

We do run credit reports at Utah Money Center, but they are only run on signature loans, not on title loans or other short-term loan types. We’re not looking for a perfect credit score to receive a signature loan or short-term loan. We do want to make sure that we are lending quick cash responsibly and protecting all parties involved from fraud on their signature loan.

It’s fast! Under normal circumstances, we can process a short-term loan or a signature loan for first-time customers in 20-30 minutes. If you’re an existing customer, it’s even quicker to get approved for affordable cash loans. Processing a short-term loan normally takes less than 5 minutes once you’ve already been approved in our system!

Each customer’s situation is different and we must fully process the loan application in order to determine the total quick cash amount that we can lend. We’ll make every effort to get you the amount that you request based on your credit report and other factors, including directing you toward the cash loan type that best suits your credit profile.

Yes! As you develop a good payment history with short-term loans and your income improves, your credit line may increase and your interest payments could be lowered. Additionally, good payment history might affect your credit score. An affordable cash loan can actually have great benefits to your overall financial profile while also helping you obtain quick cash in the short-term.

We at Utah Money Center are available any time you need financial assistance in the form of a quick cash loan between pay periods. We also encourage all of our customers to use the short-term loan or signature loan responsibly. Keep in mind that a signature loan is a short-term solution to an urgent cash need – they shouldn’t be used repeatedly to increase credit score or deal with frequent budgeting issues.

No. Unlike a traditional payday loan, Utah Money Center’s short-term loan does not require any collateral for you to get an affordable cash loan. If you desire a title loan, your vehicle’s title will be used as a form of collateral, but you will not have to stop driving the vehicle to obtain the loan.

Utah Money Center offers a competitive interest rate on all our short-term loans. In fact, we guarantee our clients the lowest rates for signature loans and other quick cash types! If we can’t meet this guarantee, your loan interest is free. We comply with all state and federal laws for short-term loan amounts.

If you have had an affordable cash loan with us before at Utah Money Center, all you need to do is call and we can get your new short-term loan approval started WITHOUT filing out another loan application.