Salt Lake City Financial Resource Guide

Do You Need Emergency Cash in Salt Lake City?
An OppLoans Guide to Getting The Help You Need

Salt Lake City is frequently named as one of the best places to live in the whole county.(1) There are good jobs, an affordable cost-of-living, arts and culture and oodles of natural beauty. But this doesn’t mean that everyone living in Salt Lake City has it so good. There are still many individuals and families whose low incomes, poor credit histories and meager savings mean that every day can be a struggle. It’s hard for them to find good housing or healthcare and they lack the access to financial resources that would help them cover emergency costs. Some have trouble affording the cost of food to feed them and their families. Luckily, there are places where they can get help. From government programs to community groups to local nonprofits, there is always someone in Salt Lake City who’s ready to reach out and lend a hand.

Getting Help in Salt Lake City

Asking for help isn’t easy, but there are lots of situations where people have no other choice. If someone can’t afford to feed their family, they need to ask for help. If someone is struggling to find safe, reliable housing that won’t break their budget, they need to ask for help. If someone is battling an addiction to drugs or alcohol, they need to ask for help. Fortunately, there are many different ways in in Salt Lake City for people to get the help they’re looking for. From addiction to housing to food assistance to the needs of our country’s veterans, there’s always assistance available in Salt Lake City.

Borrowing Money in Salt Lake City

For people who don’t have a lot financial resources or access to traditional financial institutions, getting a loan to cover emergency expenses can be rough. Oftentimes, they’ll end up dealing with a predatory lender who will issue them a high-interest, short-term loan that they will struggle to repay on time. And when these lenders offer to “rollover” or extend the terms of the loan, it can very easily lead to the borrowers getting trapped in a cycle of debt. In times of emergency, the last thing that someone wants to do is create more trouble for themselves down the road — but that’s exactly what will happen if they take out a predatory loan. Here are some resources to keep you informed about the kinds of loans that one might find in Salt Lake City. Some will hurt, but others might help.

Personal Installment Loans in Salt Lake City
Lower rates, better terms and a loan that fits your budget.

Instead of taking out a predatory loan with high interest rates and short repayment terms, take out a loan that has affordable rates and terms that will help your budget. Take out a personal installment loan from OppLoans. These loans are the best way to cover unexpected expenses without putting your financial future in jeopardy. Our personal installment loans range from loans from $1,000 to $10,000 and come with interest rates that are generally 70-125% lower than other personal lenders. Our generous term lengths vary between 6 and 36 months, which means that you will have a series of fixed, regular payments that won’t bust your budget and leave you scrambling.

OppLoans always strives to deliver fast, flexible, fair and five-star service:

  • Fast: Apply online and find out if you’re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Flexible: We offer longer terms, larger loans, and affordable, fixed payments. Your monthly payment will be the same throughout the life of the loan.
  • Five-Star: Customers rate us 4.9 out of 5 stars for our friendly service. We also provide discounts for credit education.

With OppLoans you can start building a better credit history right now; just fill out an easy online application. If you’re approved, you can have your funds as early as the next business day.

  1. “Best Places to Live 2016.” Men’s Journal: Expert Advice. Accessed March 12, 2016. https://www.mensjournal.com/expert-advice/best-places-to-live-2016-20160308/the-wall-street-of-the-west.
  2. “How Payday Loans Work.” PayDay Loan Consumer Information. Consumer Federation of America. Accessed March 12, 2016. https://www.paydayloaninfo.org/facts.
  3. “Car-Title Loan Regulation.” Consumer Federation of America. Accessed March 12, 2016. https://www.consumerfed.org/pdfs/Resources.CTL.StateLawTermChart12.2.12.pdf.
  4. “Car Title Lending.” Center for Responsible Lending. ResponsibleLending.org. Accessed March 12, 2016. https://www.responsiblelending.org/state-of-lending/reports/7-Car-Title-Loans.pdf.

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.

Need a Loan? Live in Utah?

Need more to help you through a difficult financial situation? Opportunity Loans offers a range of cash loans in Utah to suit different personal lending needs and help you get back on track.

Apply Online

Let’s Talk Details

Opportunity Financial’s goal is to provide the most flexible and affordable loan based on your personal financial needs. We will never charge a pre-payment penalty and your payment amount will always be fixed throughout the life of your loan. In addition, our loans never have origination or application fees. Of course, we also have to work within the boundaries of all applicable state and federal regulations.

Costs and Terms of a Typical Installment Loan in the State of Utah

Loan AmountRepayment TermAPR
$500-$4,0009-24 Months160%

Governing Law

If you have questions or concerns about your loan, please contact the Opportunity Financial Customer Support Team by phone at (800) 990-9130, Monday-Friday, 7 a.m.- 7 p.m. Central Time, or by sending an email to: apply@opploans.com.

If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Department of Financial Institutions
PO BOX 146800
Salt Lake City, UT 84114-6800
Phone: 801-538-8830
Fax: 801-538-8894
www.dfi.utah.gov

More Resources

View our Utah License

See more local Utah guides, and learn more about loan options in Utah.