FAQs

What if I have Bad Credit?

We specialize in persons with “all types of credit”. We’re not like a bank that expects a perfect credit profile. There are a few things that may cause you to be denied, such as Tax Liens, Civil Judgments or Wage Garnishments.

Does Desert Rock Capital run a credit report?

No, we don’t run a credit report.  We specialize in persons with Bad Credit, No Credit, and past Bankruptcies.

How long does it take to get a loan?

Normally your entire loan transaction will be completed in less than 30 minutes.

What should I bring with me to apply?

A copy of your 2 most recent Pay Stubs, current State issued ID, Social Security Card and Proof of Residence within the last 30 days.

How are the payments set up?

Payments are due every two weeks.

Does my credit line ever increase?

Absolutely. As you develop a good payment history with Desert Rock Capital, you are welcome to apply for an increase.

What if I don’t have a checking account?

That’s ok! We do not require a bank account to loan you money!

How do I apply?

Apply now: Online, by Phone (801) 377-3333 or Come-In to one of our Locations!