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Why Choose Us?
Quick Decision
Nobody wants to wait a week to hear about a loan that they need tomorrow. Banks don't care about this problem but it's really our bread and butter. We are all about rapid decision making, and we will usually decide within 15 minutes. In many circumstances we will actually deliver the decision instantaneously as you submit the screen capture.

Encrypted
With all the controversy in the news lately about digital privacy it's understandable that people would be concerned about entrusting their financial information to companies on the Internet. We have set our system up to use the highest grade encryption commercially available to protect your data from intruders.

Always Around
Bankers often take ages just to return a phone call because they are too busy with their rich clients. We make sure that we talk to all our customers and treat them as we see them: valuable relationships that we want to preserve and develop.
What We Require
Basic Qualifications
Our qualifications are pretty straightforward:
  • Employment income
  • Older than 18 years
  • Bank account with access to online banking


Verification

We would love to take people at their word but that's not an effective way to do business. Instead we verify things using two methods: credit reports and banking screenshots.

We pull your credit file to confirm a few details, but we don't rely heavily on your score as such. If you have a habit of not repaying other payday lenders that will count against you though.

The final element of our verification is the screenshot. Once the form has been filled out and submitted we'll give you a link for an application to install on your phone or computer. Simply run that program and follow the instructions that will be shown to you. It shouldn't take much longer than five minutes from start to finish.
Borrowing Responsibly
When Not To Use Them
Payday loans are relatively high interest loans, and they are for fairly small amounts. This is because they aren't intended to deal with long term problems and they aren't intended to deal with large problems. If either of those are what you're looking for then you would be better served to speaking to a traditional bank. At most, consider using a payday loan to bridge the time between today and getting a regular bank loan.

How You Are Protected
The State of Utah has taken relatively few steps in terms of consumer protection when compared to other states. We have our own internal code of conduct that we abide by, however.
  • We lend a maximum of $1500 or half your paycheque.
  • We only charge 15% of the principal. There are no hidden fees.
  • We allow you to cancel within 48 hours with no penalty or interest owing.
We Lend Across Utah
Major Cities
Logan Layton Murray Salt Lake City Sandy South Jordan Taylorsville West Jordan West Valley City Draper Lehi Orem Provo St. George Ogden