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Payday Loans Utah.

In case you have an urgent expense or missed a payment, Loan Ridge offers payday loans in Utah that can provide quick financial assistance until you receive your next paycheck, usually in two weeks. Our simplified process aims to make it easy and straightforward for you to obtain a loan, as we understand that it can be a complicated and time-consuming task. We consider it our responsibility to help you in any situation by offering short-term loans that can alleviate your financial burden.

Apply For A Loan Today.

Quick and easy applications for payday loans.

1Fill out the Loan Application
Easily Apply Online

Complete your application in just a few minutes.

2Sign The Loan Contract
Sign Your Contract

Provide your digital signature with just one click.

3Get Your Money Deposited Into Your Account
Get Your Payday Loan

Once approved, we deposit the money into your account.

Here's An Example.

Let's look at an example that demonstrates how the payday loan process operates for Utah borrowers. Suppose a borrower decides to take out a $1,000 short-term loan with an annual percentage rate (APR) of 295% and agrees to pay it back in monthly installments. As a result, the borrower must pay 11 monthly installments varying from $238.78 to $239.74. Alternatively, if the borrower selects to repay the loan bi-weekly at an APR of 291.19%, they will pay off the loan in 23 bi-weekly installments ranging from $122.67 to $122.68.

Why Get A Utah Payday Loan.

If you are facing a time-sensitive expense but lack the funds to cover it, a payday loan can relieve financial stress. Our loan service provides flexible repayment options, enabling you to pay back the loan in installments that last for up to 12 months, instead of the standard 2-week period. We make it convenient for you to obtain payday loans in Utah, regardless of your credit score.

  • Convenient Payment Options – You have the option to extend your payment schedule for a maximum of 12 months.
  • Fast Cash – It’s possible for your loan to get approved within 5 minutes!
  • Clear and Honest – We are transparent regarding any fees or charges, and there are no undisclosed expenses with us.


Payday loans Utah

Why Choose Us?

Loans Applications are Approved
85% of Applications are Approved

We're proud to help our clients achieve their financial goals through simplified personal loans.

Get Money Straight to Your Bank Account
Get Money Deposited into Your Account

With our easy application process, the money will be deposited automatically into your bank account.

Improve Your Credit Score
Improve Your Credit

Paying off your loan in regular installments can help you build and improve your credit score.

Utah State License.

Loan Ridge is a licensed direct lender in Utah, and all loans are disbursed and governed in compliance with the relevant laws and regulations.

  • Licensed
  • Accessible at all times
  • Credible
  • Professional

Get in touch with us today and trust us to help with your financial requirements.


Utah State License

Frequently Asked Questions

Who qualifies for a payday loan in Utah?

Loan Ridge has certain requirements that must be met in order to qualify for a payday loan, which are listed below:

  • The applicant should be at least 18 years old.
  • The applicant should be a resident of Utah and a US citizen or permanent resident.
  • The applicant should have an active bank account.
  • The applicant should have a reliable source of income.
  • The applicant should have a reachable contact number and an email address.

How long will the process for applying take?

Our lending process is faster than that of other lenders. With us, applicants can be approved in as little as 5 minutes.

Can I apply for a payday loan from you if I don't live in Utah?

No. Our loan services are solely intended for residents of Utah.

Do I need to disclose what the money is used for?

We are not concerned with how you use the funds that we provide. Our goal is to provide you with the necessary funds, and it is entirely your decision how you choose to utilize them.

Can I pay back my loan in full?

You are definitely allowed to do that. There are no limitations on making extra payments or paying off the entire loan in full, and you won’t face any additional fees or charges.

How many times can I apply for a loan?

You are welcome to submit loan applications with us multiple times, as long as you fulfill the requirements for eligibility for each application.

What is the difference between payday loans and Loan Ridge loans?

  • Our installment loans have a longer repayment period than payday loans, which usually require repayment by your next payday.
  • Our interest rates are more reasonable than those of payday loans.
  • We can grant you higher loan sums than payday loans can offer.

Can I get a loan if I have declared bankruptcy?

If your bankruptcy has been discharged and is no longer in progress, you can still qualify for a loan with us.

Answers To Your Questions

What cities do you provide service to?

How will I receive my money?

The money will be transferred straight to your bank account or via an e-Transfer.

How do I make payments?

Loan payments are handled through a pre-authorized payment setup, where payments will be deducted automatically from your bank account on the designated payment dates.

Can I pay off my loan earlier?

You are certainly able to make payments before the due date, or even make a payment that exceeds the required amount on the scheduled due date.

How secure is my profile?

The security of your information is of utmost importance to us, and we prioritize privacy and confidentiality. We allocate significant resources to our information systems to ensure that all communication with us is secure.

Are there any additional fees for taking out a loan?

There are no hidden or additional fees other than what is explicitly stated in your loan agreement.

Do you accept joint applications?

We accept applications from multiple applicants.

Can I increase my current loan or get a second loan?

If you have a good payment history and have been making payments on time, you might qualify for an increase in your loan amount, or you can submit an application for an additional loan.

What happens if I don’t have enough money in my bank account when payment is due?

We recognize that unforeseen circumstances can arise in life. If you believe that you won’t be able to make a payment, please contact us immediately at 1 (888) 431-0031, and we will work with you to find a solution.

Why was my application declined?

If your loan request was declined, it may indicate that you don’t satisfy some criteria. We consider factors such as your income, outstanding debts, and credit availability while assessing your application.

Installment Loan Services.

Achieve your goals through our safe and secure processes.

Fast Cash Loans
Installment Loans

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Bad Credit Loans

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Get approved for an unsecured Loan
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Quick cash in your pocket when you need it.

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Personal loans just a click away. No unnecessary paperwork.

Personal Loans
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Apply for your loan online and get approved fast.

No Credit Loans
No Credit Check Loans

Get a loan that is NOT subject to a credit check.

Customer Reviews.

Loan Ridge Testimonial

As newcomers, we needed a loan to get settled. We took out a quick personal loan from Loan Ridge, which helped a lot.

Loan Ridge Testimonial

I needed a personal loan to cover some of my expenses, including a new car. The application process is very easy and quick.

Loan Ridge Testimonial

Thanks to Loan Ridge, I was able to consolidate all my debt into one monthly payment which helped me stay on top of my finances.

Loan Ridge Testimonial

I got a $2000 loan to fix my house. Applying was extremely easy and I was approved almost instantly. Thanks, Loan Ridge.

Apply For a Loan Today.

Ready to get your loan and get things moving in your life? Then start your application process.