Online Payday Loans Near Me in Provo, UT

Online Payday Loans Near Me in Provo, UT

So, do you urgently need a short-term loan in Provo? Know that you always have a choice:

  • apply for a loan online (advantages),
  • find a direct lender near you (list).

Payday Loans Online 24/7 [Provo]

Apply Online

What are the main benefits?

  • Fast: instant application review and approval in a few minutes.
  • Easy: short form and minimal requirements for the borrower.
  • Anytime: applications accepted 24 hours a day, 7 days a week.
  • Short-term loans: up to $1,000.
  • Installment loans: up to $5,000.
  • Transparent terms: no hidden or additional fees.
  • Safe: personal information is 100% protected (SSL).
  • Any credit score: including no and bad credit history.

Locations served:

  • Postal Codes & ZIP Codes: 84601, 84602, 84603, 84604, 84605, 84606
  • Area Codes: 385, 801

List of Direct Lenders in Provo, Utah (or nearby)

Company Phone Address ZIP
Check `n Go +1 801-373-9076 180 N University Ave #270, Provo, UT 84601
Cash In Minutes +1 801-919-3200 424 Freedom Blvd 200 W, Provo, UT 84601
Utah Title Loans +1 801-812-0100 615 W Center Street, Provo, UT 84601
Money Access +1 801-318-8550 315 600 E, Provo, UT 84606
1st Choice Money Center +1 801-373-2049 984 S University Ave, Provo, UT 84601
Dollar Loan Center +1 801-851-5452 1326 S University Ave, Provo, UT 84601
Check City +1 801-373-7171 1221 N 500 W, Provo, UT 84604
1st Choice Money Center +1 801-375-0087 1700 N State St #19, Provo, UT 84604
Regional Finance +1 801-691-7924 333 W 2230 N # 100, Provo, UT 84604
Money Express +1 801-373-7144 705 W Center Street, Provo, UT 84601
World Finance +1 385-250-0796 222 N University Ave, Provo, UT 84601
Best Financial +1 801-373-5626 909 N Freedom Blvd #A, Provo, UT 84604
TitleMax Title Loans +1 801-373-0445 1556 N State Street, Provo, UT 84604
Utah First Credit Union +1 801-320-2600 310 N 100 W Street, Provo, UT 84601
Freedom Credit Union +1 801-375-2120 815 N Freedom Blvd, Provo, UT 84604
UCCU +1 800-453-8188 1535 Freedom Blvd 200 W, Provo, UT 84604
Deseret First Credit Union +1 801-655-5689 695 E 800 N, Provo, UT 84606
Solución Hispana +1 801-375-2729 274 S 700 E Street, Provo, UT 84606
LendNation +1 801-224-9300 419 S State Street, Orem, UT 84058
A.M.I.G.O Loan +1 801-615-5776 1190 N Main St #16, Springville, UT 84663

Basic Information You Need to Know

When unexpected expenses hit, short-term loans can provide quick financial relief in Provo. Whether you need cash for emergency car repairs, medical bills, or other urgent costs, understanding your borrowing options is crucial. Below, we cover loan terms, local lenders, online solutions, regulations, and safety tips to help you make an informed decision.

Loan Terms, Amount, Rates, and Fees in Provo, UT, USA

Short-term loans in Provo typically include payday loans, installment loans, and title loans. Here’s what you can expect:

  • Loan Amounts:
    • Payday Loans: 100 to 1000 dollars (based on income)
    • Installment Loans: $500 to $5000 (longer repayment terms)
    • Title Loans: Up to 50% of your vehicle’s value
  • Repayment Terms:
    • Payday loans: Due in full on your next payday (usually 2-4 weeks)
    • Installment loans: 3 to 12 months (fixed monthly payments)
  • Interest Rates & Fees:
    • Utah caps payday loan fees at $10 per $100 borrowed (equivalent to a 260% APR for a 14-day loan).
    • Late fees and NSF charges may apply if you miss payments.

Pro Tip: Always confirm the total repayment cost before signing any loan agreement.

Fast Payday Loans Near Me (In-Store Cash Advances)

If you prefer in-person borrowing, these Provo direct lenders offer same-day cash advances:

✅ Check City – Multiple locations, fast approval
✅ Money 4 You Payday Loans – Walk-in loans with quick funding
✅ Check Into Cash – Payday and installment loans available
✅ Local Credit Unions – Some offer small-dollar loans at lower rates

How It Works:

  1. Bring ID, proof of income, and a bank account.
  2. Get approved in minutes.
  3. Receive cash or a check the same day.

Get an Online Loan – Quick & Easy Application 24/7

Need cash without leaving home? Online lenders provide fast solutions:

✔ Instant Approval – Apply in minutes, get a decision fast
✔ Bad Credit OK – Some lenders work with low credit scores
✔ Direct Deposit – Funds often arrive within 1 business day

Top Online Lenders in Utah:

  • LendUp
  • CashNetUSA
  • 24Biz.Biz

⚠ Watch Out For:

  • High APRs (some exceed 400%)
  • Automatic renewals (can lead to debt cycles)

Short-Term Credit Regulatory Authority in Provo, Utah

Utah has specific laws governing short-term loans:

🔹 Fee Cap: Payday lenders can charge only 10 per 100 borrowed (no interest rate cap).
🔹 Loan Term Limits:

  • Payday loans: Minimum 10 weeks (unlike other states with 14-30 days).
  • No cooling-off period between loans.
    🔹 Lender Licensing: All lenders must be registered with the Utah Department of Financial Institutions (DFI).

Before borrowing, verify a lender’s license on the DFI website.

Are Online Pay Day Loans Safe?

Online pay day loans can be convenient but come with risks:

✔ Safe Practices:

  • Licensed lenders (check DFI database)
  • Secure websites (look for “https” and a padlock icon)
  • Clear loan terms (no hidden fees)

❌ Red Flags:

  • No physical address (could be a scam)
  • Upfront fees (illegal in Utah)
  • Pressure to borrow more than needed

Alternatives to Consider:

  • Credit union payday alternative loans (PALs)
  • Payment plans with creditors
  • Emergency assistance programs

Final Thoughts

Short-term loans in Provo, UT can help in emergencies, but they’re expensive. Before borrowing:
✔ Compare lenders for the best rates.
✔ Read the fine print (avoid rollovers).
✔ Explore safer alternatives if possible.

Need help? Contact the Utah DFI or a nonprofit credit counselor for guidance. Borrow responsibly!