1st Choice Money Center provides lending services across Utah with flexible access to both online loans in Utah and in-person branch support. Whether you are located in Salt Lake City, Provo, Ogden, or surrounding areas, you can access loan options designed to support short-term financial needs with clear and structured repayment terms.
Online loans are available statewide. However, online applications require a bank account and direct deposit. For borrowers without a bank account, in-person alternatives are available at Utah branch locations.
Utah Loan Services Overview
Utah residents can apply for a range of loan products including personal loans and installment loans designed to support unexpected expenses, planned purchases, or financial gaps. Applications can be completed online or in person depending on borrower preference and eligibility. All loans come with structured monthly payments, transparent terms, and no prepayment penalties.
Learn more about available loan products:
Personal Loans
Personal loans are available to Utah borrowers online and in person. These are a strong fit for covering unexpected expenses like car repairs, medical bills, home improvements, or other short-term financial needs. Repayment terms go up to two years, with monthly payments of principal and interest.
Installment Loans
Installment loans are our most popular product in Utah. You repay in fixed monthly installments over a set period with no lump-sum payment and no balloon balance at the end. Every payment reduces your principal, so you’re always making progress toward paying it off.
Online Loans
Prefer to handle everything digitally? Our online loans in Utah let you apply from anywhere in the state, get a decision fast, and receive funds directly to your bank account. A bank account with direct deposit is required.
Signature Loans
A signature loan is a type of personal loan that, in many cases, requires only your signature to get approved. These are a good fit for Utah borrowers who have steady income but may not have collateral. Repayment terms go up to two years with fixed monthly payments of principal and interest. Available online and in person.
Bad Credit Loans
A less-than-perfect credit score doesn’t automatically disqualify you. 1st Choice Money Center offers bad credit loan options for Utah borrowers who meet basic income requirements. Eligibility is based primarily on income. A minimum net income of $1,000 per month is typically required for signature loans. Making on-time payments may also help build your credit history over time.
No Bank Account? In-Person Options Available
If you don’t have a checking account, you may still qualify for a loan at one of our Utah branch locations. Learn more about our Utah no bank account loan options available in person only.
Online Loans in Utah
1st Choice Money Center’s online loans Utah service allows eligible borrowers to apply from anywhere in the state, including Salt Lake City, Provo, Ogden, West Jordan, Sandy, Layton, and surrounding communities. Once approved, funds are delivered directly to a bank account through direct deposit, making it a convenient option for those who prefer a digital process.
This option is designed for borrowers who want a streamlined application experience without visiting a branch. However, online loans are not available without a bank account. In those cases, Utah branch locations provide in-person alternatives.
Educational resources on loan processes and financial planning are available through our blog section for borrowers who want to better understand their options before applying.
Not sure which option is right for you? Our branch teams are available to walk you through the process in person, or you can apply online in just a few minutes.
Utah Branch Locations
1st Choice Money Center has 18 branch locations across Utah, with additional communities served throughout the state. These branches provide support for borrowers who prefer face-to-face assistance or who do not have a bank account for online loan processing.
Branches with In-Person Service:
- Bountiful — 517 W 500 South, Bountiful, UT 84010 | (801) 298-9399
- Kearns — 4140 W 5415 South, Kearns, UT 84118 | (801) 840-2225
- Layton — 1550 N Main Street, Layton, UT 84041 | (801) 773-0129
- Midvale — 7210 S 900 East, Midvale, UT 84047 | (801) 565-7919
- Midvale — 7173 S 700 West, Midvale, UT 84047 | (801) 561-7648
- Murray — 552 W 4500 South, Murray, UT 84123 | (801) 262-8277
- North Salt Lake City — 880 W 200 North, Salt Lake City, UT 84116 | (801) 521-0425
- North Salt Lake City — 1740 W 700 North, Salt Lake City, UT 84116 | (801) 532-2721
- Orem — 55 W Center Street, Orem, UT 84057 | (801) 221-8898
- Provo — 984 S University Avenue, Provo, UT 84601 | (801) 373-2049
- Provo — 1700 N State Street, Provo, UT 84604 | (801) 375-0087
- Rose Park — 1244 S Redwood Road, Salt Lake City, UT 84104 | (801) 886-1888
- Salt Lake City — 1423 S 300 West, Salt Lake City, UT 84115 | (801) 487-4121
- South Salt Lake City — 1050 E 3300 South, Millcreek, UT 84106 | (801) 487-3245
- Taylorsville — 4132 S Redwood Road, Salt Lake City, UT 84123 | (801) 955-0880
- Tooele — 980 N Main Street, Tooele, UT 84074 | (435) 882-8104
- West Jordan — 1377 9000 South, West Jordan, UT 84088 | (801) 569-0757
- West Valley City — 3069 Colt Plaza Drive, West Valley City, UT 84128 | (801) 967-2150
Additional Communities Served:
Not near a branch location? Apply online from anywhere in Utah:
Why Utah Residents Choose 1st Choice Money Center
Borrowers across Utah choose 1st Choice Money Center because of clear loan structures, flexible repayment options, and multiple application methods. Whether applying online or in person, the focus remains on transparency and responsible lending practices. We offer:
- 20+ years serving Utah communities
- Licensed lender in Utah
- No prepayment penalties — pay off your loan early with no added fees
- Fixed monthly payments of principal and interest
- Online and in-person options depending on your needs
- Bad credit options available — income-based eligibility
We support a wide range of credit profiles and provide structured loan options designed to help manage short-term financial needs without unnecessary complexity.
Utah FAQs
Can I apply for a loan online in Utah?
Yes. Utah residents can apply online from anywhere in the state. A bank account with direct deposit is required. Once approved, funds are deposited directly to your account.
What if I don't have a bank account?
Borrowers without a bank account can still apply in person at a Utah branch location. Learn more about our no bank account loan options. This option is not available online.
What types of loans does 1st Choice Money Center offer in Utah?
Utah residents can apply for personal loans, installment loans, and online loans depending on eligibility and preference.
Do I need good credit to qualify?
Not necessarily. 1st Choice Money Center offers options for borrowers with bad or no credit history. Eligibility is primarily income-based. Visit our bad credit loans page to learn more.
Is there a penalty for paying off my loan early?
No. There are no prepayment penalties on installment loans at 1st Choice Money Center. You’re free to pay off your balance early without any added fees.
Apply for Utah Loans Today
Whether you are looking for online loans in Utah or prefer in-person support at a local branch, 1st Choice Money Center offers flexible lending solutions designed to meet a variety of financial needs. Apply online today or visit a Utah location to get started.
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