1) Loan Request

Requesting a payday loan is easy with us. Simply fill out our online form and we'll quickly do the rest.

2) Approval

It takes minutes for your information to be processed. We'll try to match you with the lender who is ready to offer you a loan.

3) Cash Transfer

Once loan agreement is signed, you'll normally get your cash as soon as the next business day!

Frequently Asked Questions

Want to know more about our payday loan process? Here are answers to the most common questions asked by our borrowers.

What Is A Payday Loan?

A payday loan is a short term personal loan that does not have to be secured with any collateral. Its function is to tie you over until your next pay check, when you're faced with unforeseen bills or other expenses. This is why it's sometimes called a cash advance. This type of loan has become particularly popular in recent years as banks and larger lenders have tightened their belts during the economy recession, and are more reluctant to issue regular loans. Borrowers find that they are still highly likely to be approved for a payday loan, and at UtahCashHelp.com almost all of our applicants are approved within minutes.

Payday loans also make a great alternative to credit cards due to their simplicity and relatively small sums. The amount issued usually falls between $100 and $1,000, dependent on the borrower's income level. The loan period is usually around two weeks, though technically under Utah law this can be up to 12 weeks.

If you are faced with an unexpected bill, car repairs, travel costs or other small expenses that you won't be able to cover until your next pay check, a payday loan might be the perfect solution. However it is important to make an honest assessment of your financial situation before applying. Using payday loan to pay off other debts is likely to make you worse off in the long run.

Who Can Apply?

Anyone over the age of 18 living in Utah can apply for a payday loan with UtahCashHelp.com. As long as you are in regular employment (or self employed) and not on active-duty with the military, you are highly likely to be approved. We simply ask that you earn at least $750 per month, have a valid contact phone number, and a basic checking account where the funds can be deposited.

What If I Have Bad Credit?

In most cases UtahCashHelp does not run any credit checks, so if you have struggled with debt in the past this will not influence your application. We believe your income and employment status is the most important sign as to whether you will be able to pay back the loan. As long as you are honest with the application and are using the loan to genuinely cover a short term expense, then there should be no issues.

How Much Does It Cost?

For more details on the fees and potential interest associated with our payday loans you can check out our Rates & Fees page.

Each loan comes with a fixed finance charge, which is an added fee on top of the amount you borrow. As long as you pay the loan back on the agreed upon date, this is the only fee you will have to pay. Interest and other charges do not kick in unless you fail to make the repayment and default on the obligation.

What Is The Application Process?

The online application process at UtahCashHelp.com couldn't be easier. There's just one simple web form and this should take no longer than a couple of minutes to complete. You'll be asked for your personal details (name, DOB, address etc), income information, and later your bank account details so the loan can be deposited.

As long as you complete the form honestly without any mistakes, our automatic verification system will let you know if you've been approved almost instantly. You'll then be made an offer within minutes. This is usually based on a percentage of your monthly income and will rarely exceed $1,000.

You do not have to accept the offer and nothing is finalized until you digitally sign the agreement.

When Will I Receive The Cash?

Although you can apply at any time night or day, you deposit is dependent on the banks. As long as it's not the weekend or a bank holiday you should see the cash within 24 hours. So if you apply during the day on Monday the deposit will be there by Tuesday morning. In some cases it may only take a few hours, or an extra day.

Is My Data Secure?

Any data you submit to us is treated as confidential and will not be sold or passed on to third parties. We use the latest encryption technology on the website and secure servers to store the data. We also scan the site daily for any threats or security vulnerabilities.

What Is The Repayment Process?

Unlike other loans where you pay instalments on a weekly or monthly basis with added interest, payday loans are paid off in full just a few weeks after they are issued. There are no instalments. This is why it's important to only apply if you can genuinely make the full repayment with your next pay check. On average the loan term is just two weeks.

On the agreed upon date we will automatically take the payment (principal + single finance charge) from your designated bank account.

What If I Miss Repayment?

First off if you believe you won't be able to pay on the agreed upon date it is important to contact us ahead of time. If we fail to collect payment and no contact has been made you may then be subject to added charges and interest. We are also within our rights to begin collection proceedings against you, all of which could negatively harm your credit rating. In some circumstances we may be able to extent the loan term or renew the loan.

Our collection proceedings adhere to Utah state and federal law, and may involve phone calls, emails and letters.

How Can I Contact You?

Our team are always on hand to answer your questions or queries, whether you have already borrowed from us or are considering doing so. Simply visit our Contact Us page for more information.