Payday Loans Utah | 5 Best Loans in Utah (Installment & Payday)


Financial difficulties can happen to anyone at any time. So, if you have temporary financial challenges, you may want to get fast loans such as payday loans in Utah. While payday loans are great, there are some important things you need to know as you choose a reliable lender.

Therefore, this guide will take a look at the best payday loan options available for you today.

#1 Utah Payday Loan in 2021 – Viva Payday Loans

Best Utah Payday Loans – Quick-Pick

  • Viva Payday Loans – Best Loan Provider for those with Bad Credit. Visit now
  • Credit Clock – Best for Quick Approvals. Visit now.
  • Money Lender Squad – Best for No Guarantors. Visit now.
  • Very Merry Loans – Good for Same-Day Payouts. Visit now.
  • Heart Paydays – Best for Low APR. Visit now.

What Are Utah Payday Loans?

A payday loan is a form of short-term loan that allows a lender to provide a small amount to the borrower. It is a high-interest credit that the borrower is required to repay with their next paycheck. Even if you have no or bad credit, you can still take advantage of this loan option to take care of your expenses.

Payday loans are also known as check advance loans or cash advance loans.

Common Uses of Utah Payday Loans

Generally, there is no restriction about the specific uses of payday loans in Utah. However, the common uses of payday loans include:

  • Settlement of a medical emergency
  • Payment of unexpected debt or debt consolidation
  • Car repairs
  • Recurring expenses such as food, utilities, rent, and credit card bills
  • Mortgage repayments
  • Payment of overdraft

How to Qualify for Utah Payday Loans (Eligibility Criteria)

Just like other types of loans, payday loans have some eligibility criteria. Therefore, to qualify for the loan, you must fulfill those important requirements.

Based on the information from Consumer Financial Protection Bureau, the eligibility criteria for payday loans are:

  • Be 18 years old or more
  • Have a valid identification
  • Possess an active checking account
  • Have a Social Security Number
  • Have proof of income

5 Best Utah Payday Loans – Fully Reviewed

Let’s review the best 5 payday loan platforms.

1. Viva Payday Loans – Overall Best Payday Loan Option in Utah

When it comes to payday loans, is one of the biggest names in the market. Although doesn’t lend anyone money directly, it connects borrowers to the most suitable lenders. After you have submitted your details, Viva Payday Loans will utilize its advanced loan matching system to select a competitive loan deal for you.

Whether you are looking for unemployed loans, no credit check loans, etc., you only need to spend about 5 minutes to submit your application for loans. Also, you will get a response about the approval of your loan application in less than 1 hour. Afterward, Viva Payday Loan will connect you with a lender.

Additionally, you don’t necessarily need to accept the loan deals from Viva Payday Loans. However, just like other payday loans in Utah, the loan is costly, so you should think about this before getting a payday loan from

Since they are not direct lenders, Viva Payday Loans does not have any specific figure for the APR rate, loan amount range, term range, fees, etc. Everything depends on the particular lender you are working with.

Here are some examples of loans from different lenders.

  APR Rate Loan Amount Range Loan Term Range Star Rating
Rise Credit 50% – 299% $500 – $5,000 2 to 24 mnths 10/10
LendUp 30% – 180% $100 – $500 2 to 24 mnths 10/10


  • Loans as much as $5,000
  • Work with several lenders including LendUp and Rise Credit
  • Recommended for people with bad credit or no credit
  • Can be used in many states in the US including Utah
  • Quick response guaranteed


  • Best deal not guaranteed
  • Expensive loan option
  • Not a direct lender

Overall, is one of the most reliable marketplaces for people looking for personal loans. It connects you with an interested lender. However, some of the deals may be too expensive; therefore, don’t rush into accepting a loan offer from any lender.

2. Credit Clock – Best for Wide Range of Loan Options

Credit Clock is a well-established short-term loan portal that provides bad credit loans, payday loans, and lots more. Even if you want no checks on your credit score before getting a loan, this platform can assist you. This online loan marketplace has numerous lenders who are dedicated to offering a wide range of loans from $200 to $5,000.

One of the biggest attractions about is its fast application and approval process. You don’t have to wait for several hours or days to know your fate concerning the loan. You can apply for loans, get approval, and receive the funds within 24 hours. Therefore, if you are looking for a quick loan to deal with any emergency expense, you should check out Credit Clock.

Take a look at examples of loans from

  APR Rate Loan Amount Range Loan Term Range Star Rating
GreenDay Depends on the amount borrowed $100 – $5,000 24 months 9/10
OppLoans 5.99-35.99% $500 – $4,000 9 to 18 months 10/10



  • Fast approval in just a few minutes
  • Payment within 24 hours of submitting an application
  • Good for individuals bad credit or no credit
  • Partnership with numerous lenders including OppLoans and GreenDay


  • No direct lenders
  • Only available for borrowers with a monthly earning of at least $1,000
  • Not available in some states

If you have a bad credit score and need a fast loan, Credit Clock is good for you. While the interest rates are usually high, the loan from can save you from different financial troubles.

3. Money Lender Squad – Best For No Guarantors in Utah

If you are looking for a loan with a low APR, you should visit Money Lender Squad. This online loan portal requires no guarantor; hence, you can take care of your payday loan without involving any third party.

It is important to understand that Money Lender Squad is not a direct lender. The platform will allow you to apply for a loan by completing an online form in a few minutes. Basic personal information and supporting documents will be required. The matching service of will help you to look for lenders that will probably be interested in approving your loan. However, you should note that you are guaranteed of getting loans from any particular lender.

When your loan application is approved by a lender, you will get more details about the loan. If you agree to the loan terms, you will receive the money in your valid checking account by the next working day.

These are examples of loans from Money Lender Squad:

  APR Rate Loan Amount Range Loan Term Range Star Rating
Rise Credit 89% – 449% $300 – $3,500 2 to 24 mnths 10/10
OppLoans 99% – 160% $500 – $4,00 2 to 48 mnths 10/10


  • No guarantor needed
  • Simple and easy-to-use interface
  • Fast, reliable, and automated system for matching borrowers and lenders
  • Extended loan terms
  • No additional or hidden loan charges


  • High interests for people with lower credit scores
  • No direct contact with the lenders

The platform has been servicing the needs of various borrowers for many years. So, if you need loans but your credit score is low, you shouldn’t hesitate to visit for fast and timely assistance. However, you have to be ready to deal with exorbitant interest.

4. Very Merry Loans – Best for Quick Approval and Same Day Payouts

Very Merry Loans is another top-quality loan portal that serves as a link between borrowers and lenders. This online loan portal works with some of the biggest and most reliable lenders in the US. As a result of this, borrowers have vast loan options. Based on your needs and eligibility, you can borrow about $200 to $5,000 through

You need to create a profile on the platform by supplying basic information about yourself. Also, you have to provide evidence that you will be able to repay the loan when due. Notably, the eligibility criteria for Very Merry Loans are straightforward. So, it is easy to know whether your loan will be approved or not.

Using the information provided, Very Merry Loans will look for various lenders that may be willing to offer the money you need. If a lender approves your loan application, you can get a same-day loan. However, in a few cases, the payment may be slightly delayed, but you will still get it within 24 hours.

Look at the following example of a loan from Very Merry Loans.

  APR Rate Loan Amount Range Loan Term Range Star Rating
CashNet USA Depends on the state and the amount borrowed $500 – $1,000 8 – 31 days 9/10



  • Available for the unemployed and people with non-traditional income streams such as freelancers
  • Easy to use
  • Extended loan repayment periods can be used
  • Recommended for borrowers with bad credits


  • Only available for people that earn a minimum of $1,000 every month
  • Interest for 30-day loans is too high
  • Not a direct lender

If you are a bad credit borrower or unemployed, Very Merry Loans is one of the best online loan portals you can use for obtaining same-day loans. This website also caters to the need of people with traditional incomes. Hence, it is a one-size-fits-all loan platform for everybody.

5. Heart Paydays – Best for Low APR

Are you tired of going from one online or offline loan broker to another? Heart Pay Days gives borrowers access to lots of credit lending firms such as ACE Cash and LendUp. It gets rid of the rigors involved in borrowing money as you can get everything done in the comfort of your home.

To sign up and complete an online application form, you only have to spend about 5 minutes. Afterward, will assist you to look for interested lenders in the US. Once a lender has approved your loan request, you can expect the money to be in your account within 60 minutes to 24 hours.

On, fast loans are available for everyone including the unemployed, bad credit borrower, as well as those living on government benefits. The APR, loan amount range, terms, and fees vary from one lender to another. So, before accepting any loan on this online portal, carefully check the terms.

Let’s look at this example of loans from

  APR Rate Loan Amount Range Loan Term Range Star Rating
ACE Cash As high as 35.99% Up to $5000 Up to 24 months 9/10



  • Quick disbursement of loan within 1 hour
  • All processes completed online
  • Lots of reputable lenders are available
  • Higher loan approval rates than most alternatives
  • Available both traditional and non-traditional income earners


  • Not a direct lender
  • Some loans come with exorbitant fees

In a nutshell, Heart Pays Days enables borrowers to obtain loans without any hassle. As long as you meet the eligibility criteria of this platform, you are guaranteed a fair opportunity to get fast payday loans that will offer temporary financial relief.

Features of Payday Loans

Before you get a quick payday loan from any lending institution, you should know the following features of this loan option:

High interest and annual percentage rates

When compared to many other loan options, payday loans have some of the highest annual percentage rates (APR). Similarly, the interest rates of the loans are usually high. Exorbitant interest and APR are some of the major challenges with getting payday loans.

Short loan terms

Since a payday loan is designed to cater to your financial needs until your next paycheck, this loan option doesn’t have a long term. Typically, the loan will last for about two to four weeks. However, some lenders can provide extended loan terms to interested borrowers.

Varying repayment options

If you want to repay your payday loans in Utah and other places in the US, there are various methods you can explore. The repayment options may include a post-dated check, online payment gateway, next payday check, and direct debit from your active bank account.

However, you should note that some lenders may not use a few of these repayment options. Therefore, consider the repayment option of a lender before accepting a loan.

Additional fees

Failure to repay your loan at the right time can lead to several additional fees. For instance, you can incur late fees if you don’t pay back your loan when due. Other additional fees you may need to deal with include nonsufficient funds charges and rollover fees.

Easy Access

Unlike mortgage and other loan types that require time-consuming processes, payday loans are easy to access. The process is straightforward as you are only required to submit basic personal information before obtaining the loan. Hence, it is one of the easiest loans to access in Utah and other states in the country.

Nevertheless, it is paramount to realize that the features of payday loans usually vary from one state to another in the country. For example, in Utah, lenders are not allowed to charge interest for more than 10 weeks after the initial date of offering a loan. Also, the state doesn’t restrict the maximum loan for a payday loan. However, these rules don’t apply in many other states in the US.

Types of Payday Loans

Bad Credit Loans

A bad credit payday loan is a personal loan for individuals with poor credit scores. Generally, if your credit score is low, most lenders will be unwilling to approve your loan. However, with a bad credit payday loan, your low credit scores will not stop you from getting an unsecured loan to settle medical bills, utilities, and so on.

Get a bad credit payday loan here >

No Credit Check Loans

Just as the name indicates, a no credit check loan is a loan that doesn’t require the lender to check your credit scores. Since there are no checks of credit scores, lenders can quickly approve your loan. In most cases, the lenders will only look at your personal information and income proof to confirm whether you can pay back the loan or not. It is noteworthy that the loan amount of no credit check loans is usually small.

Get a no credit check payday loan here >

Direct Lenders Loans

With direct lender loans, the lenders are directly in charge of managing the lending process. In other words, the borrowers will contact the lenders directly without visiting a loan portal such as , Credit Clock, and Very Merry Loans. Although direct lenders may offer lower fees, many borrowers may find it difficult to get approval.

Get a direct lenders payday loan here >

Same Day Deposit Loans

When you are approved for a same day deposit loan, the money will be sent into your bank account the same day. Some lenders can even deposit the money in your account within 60 minutes of being approved. It is the best loan option for individuals that are in a hurry to get loans.

Get a same day payday loan here >

Unemployed Loans

Unemployed payday loans are loans for people that don’t have any traditional income. For instance, if you work as a freelancer or earn from property rental, government benefits, trust payments, and allowances, you may not be considered to be gainfully employed. While other loan options may not be accessible for you, you can take advantage of unemployed payday loans.

Get a unemployed payday loan here >

SSI Benefits Loans

SSI (Supplemental Security Income) benefits are for individuals age 65 or above or that suffer from blindness or other disability that prevents them from working for a minimum of one year. If such people need loans, they should consider using SSI benefit loans.

Get a SSI benefits payday loan here >

Payday Loans and Title Loans

Payday loans and title loans are two common types of short-term loans available. However, these two loan types are significantly different.

Foremost, a title loan is a secured loan as you are required to use your vehicle as collateral. As long as the loan has not been fully repaid, the lender will have your car title. However, the car will still be in your possession as you can drive it whenever you want. But if you don’t pay back the loan, the lender has the right to sell the car to cover the debt.

A payday loan, on the other hand, is an unsecured loan as you don’t need collateral to obtain the loan. This means that you will only submit some personal information about yourself as well as proof of your ability to repay the loan. Afterward, the lender will approve your loan and pay you. For payday loans, there is no risk of losing your car or any other possession.

Advantages and Disadvantages of  Payday Loans in Utah


  • Easy to access with fewer eligibility criteria than other loan types
  • Quick response, approval, and pay-out
  • Your credit history has little or no impact on your chance of getting a payday loan


  • High interest
  • Possibility of court case if you fail to repay on time

How to Get Payday Loans from Viva Payday Loans

Step 1: Visit Viva Payday Loans

The first step is to visit Viva Payday Loans.

Step 2: Complete the Application form

On the website of Viva Payday Loans, you need to complete an online application form. You are required to provide the following information:

  • The loan amount you want and the purpose of the loan
  • Your credit profile
  • Your personal information – full name, phone number, email address, home address, and date of birth
  • Source of income as well as the details of your current employer
  • Your earning information – monthly income, frequency and method of payment, and next payday
  • Your bank account details

Step 3: Get your decision

After submitting your application, you need to wait for a few hours as Viva Payday Loans will contact various lenders. Then, you will get a response about whether your loan application has been approved by a lender or not.

Step 4: Receive your loan

Once you have been approved for a payday loan, the lender will send the money into your bank account.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans



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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

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