DirectLendersList stands as your premier destination for accessing the best Utah installment loans. Our platform is exclusively designed to cater to your unique needs, ensuring a seamless process in finding the ideal online installment loan tailored precisely to match your requirements. With a handpicked list of direct lenders and reputable loan marketplaces, you can effortlessly compare and connect with lenders and marketplaces that align perfectly with your goals. Take control of your finances and gain quick access to funds through our user-friendly interface, crafted for your utmost comfort. Unveil the world of Utah installment loans with ease and confidence through DirectLendersList, your trusted companion for your financial success.
Advertising Disclosure
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided "as-is," with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven't been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
FundsNationwide.com is a reliable lender connection service, facilitating quick and smooth access to funds by linking borrowers with reputable direct lenders and loan providers. With a focus on security, their secure portal ensures the protection of your information, offering peace of mind during the application process. FundsNationwide extends its services by providing online installment loans ranging from $100 to $2,000 in Utah, catering to a wide range of borrowing needs.
APR Range
Varies
Min. Credit Score
None
Repayment Terms
Varies
Funding Time
24 – 48 hrs*
⇒ You must be at least 18 years old.
⇒ An active checking account in your name.
⇒ U.S. citizenship or permanent residency is essential to apply.
⇒ A stable and consistent source of income, and meeting the minimum monthly requirement of $1000.
⇒ Valid contact details, including a phone number and email address.
⇒ Lenders might request income verification documents to check your repayment capability.
• Company Name: – Fundsnationwide.com
• Loan Type: – Installment Loans
• State: – Utah
• Serviced As: – Lender Connecting Service
• Minimum Amount: – $100
• Maximum Amount: – $5,000
• Loan Term: – Varies*
• Funding Time: – Next business day*
• APR range: – The Annual Percentage Rates (APRs) for loans can differ based on the policies of the lender and the laws of the state.
• Fees: – The lender will inform the borrower about any fees linked to the loan.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
ExploreCredit.com is a direct tribal lender, offering a reliable path for convenient access to short-term installment loans tailored to Utah residents. The platform offers loan amounts ranging from $300 to $2,000 and operates within the jurisdiction of Native American tribe reservations, adhering to their specific laws and regulations. By selecting ExploreCredit, you’ll benefit from a transparent and safe process when obtaining Utah installment loans, ensuring convenience and reliability.
APR Range
Undisclosed
Min. Credit Score
None
Repayment Terms
Up to 9 Months
Funding Time
Following business day*
⇒ Eligibility necessitates a minimum age of 18 years.
⇒ You must either be a U.S. citizen or have permanent residency status.
⇒ A active checking account capable of processing ACH transfers is required.
⇒ To be eligible, you must confirm your employment status, have a consistent income, and meet the minimum monthly income requirement.
⇒ Accurate contact information, encompassing phone number, email address, and permanent residential address, must be provided.
⇒ Identity validation entails submission of a Social Security number and driver’s license.
• Company Name: – Explore Credit
• Loan Type: – Short-term Installment Loans
• State: – Utah
• Serviced As: – Tribal Lender
• Minimum Amount: – $300
• Maximum Amount: – $2,000
• Loan Term: – Up to 9 months
• Funding Time: – Same or next business day
• APR range: – Undisclosed (APR) varies depending on the amount and term.
• Fees: – No prepayment charges or hidden fees
Disclaimer
Caution: Tribal lenders operate under tribal laws within the Native American Tribe reservations, which may differ from state and federal laws. It's important to note that tribal lenders may not be subject to state or federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional licensed lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
BadCreditLoans.com is a lender connecting platform and dependable resource for tailored lending solutions catering to individuals with varying credit scores. Borrowers can access installment loan options through a vast network of reputable direct lenders and loan providers, with loan amounts ranging from $500 to $10,000 in Utah. BadCreditLoans.com is committed to supporting you in overcoming financial difficulties as a trusted partner.
APR Range
5.99% – 35.99%*
Min. Credit Score
None
Repayment Terms
3 months to 72 months
Funding Time
Following business day*
⇒ Age criterion: Applicants must be at least 18 years old or above.
⇒ Citizenship or residency: Only U.S. citizens or permanent residents are eligible.
⇒ Identity validation: Valid identification, like a driver’s license and Social Security number, must be provided.
⇒ Consistent income source: A steady and provable income source is required.
⇒ Income verification: Documentation such as pay stubs or bank statements might be required to confirm income.
⇒ Active bank account: A functional checking account in the applicant’s name is mandatory.
⇒ Accurate contact details: Valid contact information, including work and home phone numbers, along with a legitimate email address.
• Company Name: – BadCreditLoans.com (Great, LLC)
• Loan Type: – Online Installment Loans
• State: – Utah
• Serviced As: – Lender Connection Service (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 6 years
• Funding Time: – As soon as next business day* (Varies by the lender)
• APR range: – 5.99% – 35.99%* (The APR range may vary depending on the lender and state laws.)
• Fees: – The borrower will be informed by the lender about any fees related to the loan.
Your lender or financial service providers will solely determine the loan term, fees, and interest rates.
APR Range Example
$3,200 loan at 15.9% APR = $290.19/month for 12 months ($3482.24 total)
MaxLend.com operates as a trusted tribal lender, extending a pathway for convenient access to short-term installment loans in Utah. Functioning within the legal boundaries of Native American tribe reservations, MaxLend stands committed to adhering to tribal laws and regulations. With loans ranging from $100 to $3,000, MaxLend caters to various financial situations, providing borrowers with quick funding to meet their urgent needs. Their commitment to customer satisfaction and transparent lending practices makes them a reliable choice for those looking for Utah installment loans as their financing solutions.
APR Range
471.78% to 841.45%*
Min. Credit Score
None
Repayment Terms
9 months to 18 months
Funding Time
Same day or next business day*
⇒ Eligibility requires legal U.S. citizenship or residency and a minimum age of 18.
⇒ An operational checking account, meeting the specified duration account opened with the bank.
⇒ Valid income proof, consistent deposits in the bank account, and meeting minimum income criteria.
⇒ No involvement in ongoing bankruptcy cases or intent of filing for bankruptcy in the future.
⇒ Accurate contact details, including email and phone numbers, must be provided.
⇒ Valid identity proof, like a driver’s license or state-issued ID, is needed for verification.
• Company Name: – MaxLend (Uetsa Tsakits, Inc)
• Loan Type: – Short-Term Installment Loans Online
• State: – Utah
• Serviced As: – Direct Tribal Lender
• Minimum Amount: – $100
• Maximum Amount: – $3,000
• Loan Term: – 9 to 18 months
• Funding Time: – Same business day or next business day.
• APR range: – 471% to 842%* (APR) varies on loan duration and loan amount borrowed.
• Fees: – No prepayment charges.
Disclaimer
MaxLend is an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. As a result, if you decide to do business with MaxLend, any dispute resolution process will be governed by Tribal law. Since MaxLend is owned by three federally recognized sovereign American Indian Tribes, it is not subject to suit or service of process. This implies that your potential forums for dispute resolution will be limited. If you are uncomfortable doing business with a sovereign instrumentality that cannot be sued in court, MaxLend recommends considering alternative services.
CashUSA.com is a lender connection service tailored for those searching for installment loans online. Whether your goal is to consolidate debt or handle unforeseen expenses, CashUSA.com effortlessly connects you to a network of direct lenders and loan providers, offering loan amounts between $500 and $10,000 in Utah. Apply for a loan conveniently from your home using the user-friendly and secure online application form and receive quick decisions on your loan request.
APR Range
5.99% – 35.99%*
Min.Credit Score
None
Repayment Terms
3 months to 6 years
Funding Time
1 to 2 business days*
⇒ Age Criteria: Applicant must be 18 or older to be eligible.
⇒ Citizenship or Residency: U.S. citizenship or permanent residency is required.
⇒ Steady Employment: Fulfill the lender’s income prerequisites with a minimum of 90 days’ consistent employment and income.
⇒ Banking Requirement: An active checking account in your name is mandatory.
⇒ Contact Information: Must provide accurate work and home phone numbers and an active email address.
• Company Name: – CashUSA.com
• Loan Type: – Personal Installment Loans Online
• State: – Utah
• Serviced As: – Lender Connecting Service (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 72 months
• Funding Time: – As early as the next business day (depending on the lender)
• APR range: – 5.99% -35.99% (Varies on the lender)
• Fees: – The lender has full authority to determine the origination fee or additional charges.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
APR Range Example
$2400 loan at 16.9% APR = $118.55/month for 24 months ($2845.05 total)
OppLoans.com operates as a loan servicer in Utah, offering easy access to personal installment loans for needy individuals. With a focus on assisting those facing challenges accessing loans from traditional banks or lenders. Through a network of trusted lending partners, OppLoans offers a straightforward application process and loan amounts ranging from $500 to $4,000, making it a flexible solution for various needs. In Utah, loans are underwritten, approved, and funded by lending partners and serviced by OppLoans.com.
APR Range
Up to 160%*
Min.Credit Score
550+
Repayment Terms
9 to 18 Months
Funding Time
1 to 3 working days*
⇒ Account Requirement: Applicant must have an active checking or savings account in their name.
⇒ Citizenship and Residence: Must be a U.S. citizen or permanent resident and should be residing in Utah.
⇒ Income Source: A regular income from employment or government benefits like Social Security or Disability is required.
⇒ Direct Deposit: Income should be received via direct deposit.
⇒ Identity Verification: Valid government-issued ID is mandatory for verification.
⇒ Contact Details: Provide valid contact info, including email and phone number.
• Company Name: – OppLoans (Opportunity Financial, LLC)
• Loan Type: – Personal Installment Loans
• State: – Utah
• Serviced As: – Loan facilitator (Loans are approved, underwritten, and funded by its lending partners while serviced by OppLoans.)
• Minimum Amount: – $500
• Maximum Amount: – $4,000
• Loan Term: – 9 months to 18 months
• Funding Time: – 1 to 3 business days
• APR range: – Up to 160% (APR) may vary depending on the loan amount, loan term, and creditworthiness.
• Fees: – No prepayment charges or hidden fees
APR Range Example
$1500 at 160% APR = $257.30/month for 12 months ($3087.59 total)
HonestLoans.net serves as a reliable online lender connection platform, connecting individuals in Utah with an extensive network of direct lenders and lending partners. Specializing in offering installment and personal loans, HonestLoans.net provides access to funds ranging from $200 to $50,000, whether covering unexpected expenses or managing medical bills. The platform’s seamless application process ensures quick access to funds, often within 24 hours. With industry-standard SSL encryption, your personal information remains secure as you navigate the borrowing process. HonestLoans.net is your go-to solution for finding fast and secure Utah installment loans.
APR Range
Varies
Min Credit Score
None
Repayment Terms
Varies
Funding Time
1 to 2 business days*
⇒ Minimum age requirement is 18 years or older.
⇒ Citizenship or permanent residency in the United States.
⇒ An operational checking account is a necessity.
⇒ A consistent and verifiable income stream is essential.
⇒ Documentation like bank statements or pay stubs might be needed for income verification.
⇒ Meeting the specified minimum monthly income of $800 is a prerequisite.
⇒ Accurate contact information, including phone number and email address, is required.
• Company Name: – HonestLoans.net
• Loan Type: – Payday Loans, Installment Loans & Personal Loans
• State: – Utah
• Serviced As: – Lender Connection Service
• Minimum Amount: – $200
• Maximum Amount: – $50,000
• Loan Term: – Up to 6 years
• Funding Time: – 1 to 2 working days*
• APR range: – The APRs (Annual Percentage Rates) could differ based on the lender’s policies and state laws.
• Fees: – The lender will disclose any associated fees with the loan.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
ZocaLoans.com operates as a direct tribal lender, providing a reliable platform for convenient access to short-term installment loans with loan amounts spanning from $300 to $1,500 in Utah. With a swift and simplified application process, borrowers can expect instant decisions on their loan eligibility. ZocaLoans.com operates under the jurisdiction of Native American tribe reservations adhering to the tribal laws, ensuring a secure and equitable lending experience.
APR Range
Up to 795%*
Min Credit Score
None
Repayment Terms
Up to 6 Months
Funding Time
Next business day*
⇒ Must be 18 years or older to apply.
⇒ Identity verification requires a valid government-issued ID, such as a driver’s license.
⇒ An active checking account with valid ABA routing numbers and debit card details is required.
⇒ Valid contact details, including phone number and email address.
⇒ Proof of income or employment documentation may be requested for loan eligibility assessment.
• Company Name: – ZocaLoans (Rosebud Lending)
• Loan Type: – Online Short-term Installment Loans
• State: – Utah
• Serviced As: – Tribal Lender
• Minimum Amount: – $200
• Maximum Amount: – $1,500
• Loan Term: – Up to 6 Months
• Funding Time: – As early as same day or next business day*
• APR range: – Up to 795%* (APR) varies on loan amount and term
• Fees: – No prepayment penalties
NSF fee of $25* and Late fee of $25* may apply.
Disclaimer
Caution: Tribal lenders operate under tribal law, which may differ from state and federal law. It's important to note that they are not subject to federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as other state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
Jora Credit is a direct lender licensed by the Utah Department of Financial Institutions. With installment loans ranging from $500 to $4,000, Jora Credit extends a convenient and straightforward borrowing option, enabling you to address unexpected financial needs confidently. Embrace a streamlined borrowing journey and swift funding solutions tailored to your requirements.
APR Range
Up to 350%*
Min Credit Score
None
Repayment Terms
Up to 33 Months
Funding Time
Same business day or next business day*
⇒ Age Eligibility: Applicant must be at least 18 years old to qualify.
⇒ Residence Requirement: The applicant must either be a citizen of the United States or a permanent resident and should reside in Utah to apply.
⇒ Steady Income Verification: Demonstrate consistent employment or a reliable income source.
⇒ Valid Contact Details: Furnish an accurate email address and phone number for effective communication.
⇒ Active Checking Account: Applicant must possess an operational checking account.
• Company Name: – Jora (Jora Credit)
• Loan Type: – Unsecured Installment Loans
• State: – Utah
• Serviced As: – State-Licensed Direct Lender
• Minimum Amount: – $500
• Maximum Amount: – $4,000
• Loan Term: – Up to 33 Months
• Funding Time: – Same or following business day, depending on the time the loan is acquired.
• APR range: – Up to 350%*
• Fees: – No application, origination, prepayment fees.
APR Range Example
$2,250 at 216% APR = $411.59/month for 24 months ($9,879.09 total)
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
