man handing over payday loan cash

Can I Get Payday Loans In Provo, UT With Bad Credit?

If you're interested in payday loans in Provo, UT, chances are you wondered about the process and whether or not you can get this loan if you have poor credit. While traditional bank loans require good credit, that isn’t the case with Provo, UT payday loans. In fact, you can get payday loans Provo, UT no credit check easily. So, if you are in need of quick money for your emergency expenses, learn how to get payday loans in Provo, UT by reading this article right now.

The Meaning Of An Unsecured Payday Loan

An important thing to understand about Provo, UT payday loans is that they are an unsecured loan. This means that a borrower does not put up collateral in exchange for the money they are getting in the loan. This means you do not have to worry about getting any personal items to use to secure the loan. Instead, we use your income and your ability to repay the payday loan to determine quickly if you qualify for approval. And another thing to note is that payday loans don’t require you to have good credit.

How Do I Get A Payday Loan Even With Bad Credit?

Bad credit can make acquiring a loan difficult. So, why is it that bad credit doesn't completely ruin your chances of getting payday loans in Provo, UT? Well, this is because we use your income to determine if you qualify. Of course, this means you have to be able to prove that you have a paycheck to repay the loan, to begin with. If you have a steady income that you can prove, we have a way to know that you will have enough money to pay us back by your next paycheck.

woman researching Provo payday loans

Even if you don't have a good credit history, but you can prove that you have enough income to pay back the payday loan, we know there's a good chance of getting our loan repaid on time. In fact, we won’t even report your loan to any major credit bureaus. This does mean that your loan won’t have any impact on your credit. So if you wanted this loan to improve your credit, it won’t have a direct impact. Of course it will help you with emergency expenses – which then could help raise your credit.

What You Need To Apply For A Payday Loan

So, now that you know that you can still get a payday loan even if you have bad credit, you might be wondering how to get payday loans in Provo, UT with the required items. Don't worry, the requirements are pretty simple, and easily accessible by just about anyone. In fact, we don’t require you to bring in too many items for us to determine if you qualify for approval. The following items are required to qualify:

  • Your driver’s license or state-issued ID,
  • A most recent pay stub from your work,
  • A blank check from a checking account in your name.

Why Are These Required Items Necessary For Provo, UT Payday Loans?

If you are wondering why you need these things, the reasons are pretty simple. To apply for a loan in Utah, you need to be a legal resident of the state, so you need a way to prove your identity. A driver's license is the most common form of ID, but you can use a state-issued ID if you don’t have one. Just make sure it also confirms that you aren’t a minor. We cannot legally give minors this kind of loan, so you must be at least 18 years old.

Because getting a payday loan requires you to actually have to receive a paycheck to borrow against, you need a way to prove you have a job with a steady income. That is why a recent pay stub comes into play. However, we might be able to accept other forms of income, just ask us for more information. Finally, you'll need a checking account in your name for us to have a clear picture of your finances. To prove that you have such a thing, you just need a blank check from that checking account.

bad credit payday loan

Getting A Payday Loan With Utah Title Loans, Inc.

So, now you know how a payday loan can be acquired even if you have bad credit. Bad credit or not, you can get what you need with us, and with ease! Our payday loan process is super simple. All you have to do is submit an inquiry form on our website to get started. A representative will then contact you to set a meeting at the nearest store location – which you can find the Google maps to the Provo, Utah stores on our website.

Simply bring the required items to that meeting so the representative can verify them and determine how much you qualify for and if you qualify for approval. If you are approved, we will then go over the loan terms and answer any remaining questions you have. We will also help you finish the paperwork. Once done, you'll get your money either that day or the following business day. Needless to say, it's about as quick and easy as you can possibly get!

Get The Provo Payday Loan You Need Right Now

As you can see, getting payday loans in Provo, UT isn’t difficult. Plus, our loan representatives are all here to help you out! There really is no reason for you to deal with your emergency expenses alone when our payday loans can help you out – even if you have bad credit! So, reach out to us if you need a payday loan here in Provo! Why wait? If you are in need of emergency cash, complete the online form or give us a call now!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.