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Utah Personal Loans

Rates & Terms

LIFT CREDIT'S OFFER & BENEFITS

At Lift Credit, we supply personal loans in Utah that provide you with the quick cash you need to make it through life’s events. We are proud to present convenient offers and benefits such as:

  • Applying does NOT affect your FICO® credit score
  • Providing cash the next business day 
  • Rewards program

If you meet our requirements, you can fill out our quick and easy online application, and a representative will review your submission in as little as 30 minutes.

Terms for Installment Loans

$100 - $5,000
When you sign up for an installment loan in Utah, you can receive up to $5,000, which you will receive the next business day. At Lift Credit, we make it a priority to provide you with the cash you need right away.

Repayment Terms for Utah Installment Loans

15 - 18 months
Our Utah installment loan terms are between 15 to 18 months. Our team reviews your background to establish a repayment schedule that is customized just for you. The methods of payment that we accept are:
  • ACH
  • Cashier's Check
  • Debit Card
  • Money Order

APR in Utah

199%
We offer Annual Percentage Rates (APR) are 199%. Please note that APR rates may vary based on loan terms. For more information, check out our common loan examples. We also offer a rewards program for individuals who make their payments on time.

Terms and Conditions for Installment Loans in Utah

Below is a list of our basic guidelines to aid applicants in knowing whether they should apply. More documentation or conditions may be required for approval. To approve an installment loan application and legally provide customers with financial support, we abide by Utah’s specific rules and conditions for lenders. These guidelines affect our loan amounts, terms, and rates. We advise that you review these terms, conditions, and privacy policies when applying for your online installment loan in Utah. 

  • You must be 18 Years or Older
  • Monthly Income of at least $1,300
  • Resident of Utah
  • Have a Current ID
  • No Open Bankruptcies
  • Proof of 3 Months of Income
  • Not be an active member of the military or a dependent or spouse of an active military member
  • You must have an active bank account

Apply with Lift Credit Utah

Don’t let unexpected financial needs get you down. Be sure to learn more about our installment loans, and apply with us today. As a reliable online-only lender with an efficient customer support team, we are proud to offer installment and personal loans in Utah. Count on us to help you make it to your next paycheck.

Apply Now

Common Personal Loan Examples

Our personal loans range from $100 to $5,000 to help you get back on your feet.

Rates and terms are custom to each customer based on your application. Rates are based on the customer’s employment and loan repayment history, as well as a number of other factors. The table above shows loan examples offered to recent Lift Credit customers. If approved, the specific rate and terms of your loan agreement will be unique to you.

Need a little financial education on personal and installment loans before you make a decision? Read these articles to help you make the best financial decision for yourself.

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Utah Department of Financial Institutions
324 South State Street, Suite 201
Salt Lake City, UT 84111
801-538-8830

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If you have a problem that cannot be resolved by speaking with us and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan, you may contact the Utah State Department of Financial Institutions at 801-538-8830.

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Lift Credit is a direct lender for residents of Utah, Idaho, Missouri and Nevada. Lift Credit uses alternative credit data and application information as part of their underwriting process. Lift Credit does not approve all applications or credit extension requests. A decision on a customer application or credit extension request may take longer if additional verification or documents are required. Approval and loan terms differ based on applicant qualifications and by state. Rates, terms, and conditions apply. Applications approved before 6:00 p.m. MT Monday-Friday are generally funded the next business day. Approved applications during other times are generally funded with loans approved the following business day. If Lift Credit is unable to approve your application, we may attempt to connect you to a lender in our network that may better be able to assist you.
 
For all other states: Lift Credit is not a lender and does not make loans or credit decisions.  We are not an agent or broker of any lender. We provide a service that aims to connect you to a lender in our network. We are not responsible and have no control over lenders’ actions/decisions. Lenders in our network may require additional documentation which may require faxing documents or in physical storefront locations. Upon applying, a lender in our network may run credit inquiries, use consumer reports or other alternative credit information. Failure to make your payments on time may result in extra fees, interest or penalties and Lift Credit cannot control this.
 

Notice: High-Interest loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into a loan agreement.

*Nevada Customers: Lift Credit may use credit report information provided by credit bureaus as part of the application process to determine your creditworthiness. Credit inquiries upon applying for a loan will NOT appear as a hard credit inquiry on your credit report and therefore they will not affect your FICO score. There are many factors that affect a credit score, on-time payments may help to increase your credit score, along with many other factors.

†Declining Rates and Cash Back Rewards Program not offered in all states.

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