Why our installment loans are the best alternative to payday loans?

If you need money immediately, consider one of the 1st Choice Money Center payday loan alternatives before you agree to borrow from a payday lender. Our programs put cash in your hand immediately, even if you have bad credit or no bank account. The best part is that, when you choose us for your quick cash loan needs, you won’t get stuck in the vicious repayment cycle that most payday lenders impose.

Our payday loan alternative programs let you pay off your loan over time, in easy and affordable monthly payments with no large balloon payment restriction.

Payday Loans Explained:

When you borrow from a payday lender, you are required to repay your loan – plus interest – on or before your next payday. For most people, that’s just two weeks. It might sound doable but, often, borrowers simply don’t have the funds to pay off the full balance in only two weeks.

If you can’t pay your full balance, you must start making regular interest-only payments at the default (aka grossly inflated) interest rate. For most borrowers, making the interest payments is all they can do. Meanwhile, the principal balance of your loan remains unpaid.

These predatory practices can cause significant financial harm, all because you needed quick cash to repair your car, pay a bill, cover your tuition, or any number of other pressing reasons.

The 1st Choice Online Direct Lenders Solution

To help good people avoid the potential pitfalls of payday lending, 1st Choice Money Center developed a range of loan programs that make good financial sense for most any borrower.

Applying is easy and you can have an approval in minutes, even if you have bad credit and no checking account. Depending on your loan, you could have up to two full years to repay your loan. You make affordable monthly payments of principal and interest, so you’re paying down your loan balance each month. You can easily work your payments into the monthly budget and, once you make your last payment, your loan is paid off – no giant balloon balance to worry about.

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.

If you have bad credit or no credit, our loan programs can even help you boost your credit score!

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

How Do You Get a Payday Loan Alternative?

You can apply for your 1st Choice Money Center loan online, over the phone, or in any of our many quick cash loan locations. You don’t have to provide any lengthy applications or piles of backup documents. To get one of our signature loans, for example, you only need check stubs and a valid ID for proof of address and identity.

We have friendly, knowledgeable loan advisors standing by to answer your questions and help you get the right loan for your needs. Contact us today to learn more about why our loan programs are the perfect alternative to traditional payday loans.

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.