Why do so many customers call our installment loans ‘The best alternative to Payday Loans?

Payday Loans Explained:

In addition to charging high interest rates, payday loans require full payment of the loan in two weeks (a balloon payment), if you can’t pay the loan back in two weeks you’ll be required to make an interest only payment to “rollover” the loan for another two weeks. This cycle continues without any principal being paid down so you stay in debt.

The 1st Choice Online Direct Lenders Solution

At 1st Choice not only do we make it easy to get the cash you need to pay off debts, consolidate bills or make major purchases, but we also apply each payment to principal AND interest – shrinking your loan with every payment – unlike Payday Loans.

The result: you and your family reduce your debt with every payment and get debt free that much faster – which is why our customers call us their 1st Choice.

Whether you’re using our Short-Term Installment Loans, Auto Equity Title Loans, Signature or Personal Loans - our direct lenders better-than-payday loans are designed to do one thing: get you the cash you need quickly so you can take care of business and move on with your life.

Visit one of our Utah or Idaho locations to learn more about our alternative options to a Payday Loan

The 1st Choice Advantage:

  • check_circle Payoff Bills Quickly
  • check_circle Consolidate Debts
  • check_circle Make Major Purchase
  • check_circle Fund Car/Home Repair
  • check_circle Get Approved in LESS THAN 5 MINUTES
  • check_circle No checking account required
  • check_circle Principal Shrinks With Every Payment
  • check_circle Secured and Unsecured Loans Available
  • check_circle No Credit Checks
  • check_circle Loans up to 24 months
  • check_circle Each Payment Pays Down Interest AND Principal
  • check_circle Visit our Installment Loans Page to learn more

Looking for cash fast? Check out our Title Loan options in

At 1st Choice Money Center, we give you the ability to consolidate your debt without paying high interest rates thanks to our lower interest Short-Term Installment Loans.

Don’t hesitate.

Act now to get the cash that you need.

Contact us at 877-CASH-365 to apply for a loan today.