Bad Credit Loans In Utah Near Me

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1136 reviews)

Get personalized rates in 60 seconds for bad credit loans in Utah, without affecting your credit score.

Our customers say Excellent

4.6 out of 5 based on 1136 reviews

Our customers say Excellent

4.6 out of 5 based on 1136 reviews

Online Loans For Bad Credit In Utah

Bad credit loans in Utah have similar structures to that of loans in Utah extended to residents with good credit. Differences usually lie in the interest rates, repayment periods, and requirements. For example, if a lender categorizes you as a bad credit applicant, they may want to see more documentation to support income, residency, and other factors. The loan itself though, should work as it should, not differently because you have bad credit.

While there are several types of loans on the marketplace, for the most part loans are usually either secured or unsecured. Loans backed by collateral are known as secured loans. Loans backed by creditworthiness, rather than collateral, are unsecured loans. While secured loans can be easier to qualify for, they don’t always fit the bill for what you need. Personal loans are usually unsecured installment loans that come with no spending restrictions and funding times as soon as 1-2 business days, although funding times can vary. For these reasons and more, personal loans for bad credit are highly sought after in Utah.

Example personal loans in Utah

9.99%³

APR

60 mos.

Loan term

$9,766

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of Utah have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

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How do bad credit installment loans in Utah work?

Whatever loan structure you end up with, chances are it will need to be repaid in installments. Examples include auto loans or personal loans. Installments loans are funded as a lump sum and repaid in equal monthly installments with interest over a predetermined period. Favored for their straight forward structure, installment loans are a top choice for borrowers. In Utah, your selection of lenders or banks may vary as can regulations on interest rate caps, but an installment loan should work the same.

What credit score is needed for a bad credit loan near me?

If you have spent some time researching loans in your area, kudos - knowledge is empowering when it comes to financial decisions. You may have found yourself typing "what credit score is needed for a bad credit loan near me" over and over, but haven't seen any solid answers.

That's because credit score requirements can vary between lenders. Bad credit loans in Utah from traditional banks can have much more rigid credit score criteria than some online lenders.

The takeaway? Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

How do you find an online bad credit loan near me?

Because the idea of actually finding a bad credit loan can be overwhelming, you might be tempted to search "online bad credit loans near me" and click on the first thing that pops up - but don't. Taking your time to do your research and learn what different lenders may have to offer will greatly benefit you in the long run. Loan amounts, rates, and terms can vary widely based on the type of loan, the lender themself, and your financial situation.

How to choose the best Utah personal loan for bad credit for you

Taking the time to figure out what you may need to prioritize in a bad credit loan in Utah can help set the foundation for a successful financial future. Ask yourself how much you need to borrow, what percentage of interest are you comfortable paying, and how much you can afford monthly. Beyond that, compare offers. Comparing offers can give you the confidence you need to choose an offer knowing it's fair based on your personal circumstances.

Other States with Bad Credit Loans

See Also:

Find Banks Near Salt Lake City, Utah

Check Offers for Bad Credit Loans in Utah

Online Loans For Bad Credit In Utah: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

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Simple process

Very simple online application process. They made getting a loan for an unexpected furnace purchase hassle free.

CS, 18 hours ago

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The application was simple

The application was simple, timely and convenient

John Krasnowiecki, 2 days ago

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2nd bathroom and new siding underway

Easy online application and quick response time. Options for loan terms and money transfers in a timely manner. All things that helped us get our 2nd bathroom added and new siding for our home

Frederick WORKMAN, Jan 10

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Quick and easy.

John Sacoolidge, Jan 3

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No hassle Lender selection

No hassle at all it was easy to find and choose who you want for a lender based on available offers that were presented.

Jammie Petroski, Jan 3

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The process was positive and easy

The process was positive and easy. I will use again when needed.

Jeffery Patrick, Jan 1

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Working with Acorn was FAST!

Working with Acorn was a fast and easy online experience that resulted in a short term, lower interest rate option. The funds showed up on the date selected in my contract and the entire process went smoothly as they kept me up to date via email. I will certainly use Acorn again in the future for all of my home improvement projects, thanks! Billy Powell

Billy Powell, Dec 30

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Excellent & Easy

You gave me several loan options. I found a company I trusted. I applied for the loan. I received the loan. I received the money when I was told I would receive the money. Everything went smoothly. Thank you.

Edward A, Dec 29

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It was fast and easy

It was fast and easy. There was a lot of lender options. I had a question called you guys and he was very helpful. I would recommend you guys to everyone!

andrew, Dec 28

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My review

The experience was quite good.

Milton Sargent, Dec 27

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Incredible easy to work with

Margaret Lewis, Dec 27

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It was quick and easy just has you…

It was quick and easy just has you said. Thank you I appreciate it.

Alberta Battles, Dec 27

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Peace of mind when moving

Easy to understand and simple.

Mario, Dec 20

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The process was easy to do

The process was easy to do. You get results fast... They work with you.

Valued Customer, Dec 19

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The loan was successful

June Williams, Dec 16

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Excellent deliverance of funds

Excellent deliverance of funds, timely manner. Highly recommend.

Elizabeth Callava, Dec 14

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Quick and easy process

Bro Hugh, Dec 12

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Fast and easy everything went perfect

Fast and easy everything settled. We were so worried. It was very nice to have another outlet to go to for our major purchase on our septic tank. Thank you so much. We are very happy.

Dawn White, Dec 10

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the application process

The rear of the application process

Polly Davis, Dec 5

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Wonderful experience

Sunipa Majumdar, Dec 3

Rated 4.6 / 5 based on 1136 reviews.

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What can I do with a $10,000 personal loan?

A $10,000 personal loan has a number of uses, including (but not limited to):

Home improvement Buying a car Wedding costs

Debt consolidation Medical bills Startup business costs

FREQUENTLY ASKED QUESTIONS

Still have questions?

Find Bad Credit Loans in Utah at Acorn Finance

We cannot stress enough how imperative it is to build your credit before applying for loans when possible - but when it's not, our financial partners may be able to loan you the money you need. Check offers online today!

Can you get a bad credit loan in Utah with no credit check?

We're not going to beat around the bush - getting a bad credit loan in Utah with no credit check likely is not the best option. Some alternatives such as payday loans or vehicle title loans can be approved without a credit check though. Educate yourself on the potential hazards of these loans before proceeding. You'll be glad you did.

Is it possible to get a guaranteed personal loan for bad credit in Utah?

Guaranteed loans are backed by a third-party, such as a cosigner. Examples of these loans are federal student loans, SBA loans, or mortgages. Personal loans can also be guaranteed loans if they are backed by a cosigner or co-borrower. At Acorn Finance, you can check loan offers with a cosigner to see if this improves your chance of qualifying and or help you return better offers.

Are bad credit installment loans in Utah worth it?

Because you're in the driver seat of your own life, it will be up to you to decide. Consider the pros and cons that come along with a bad credit installment loan for you. If they can put you ahead personally and financially, the choice should be rather obvious.

What lenders offer personal loans for bad credit in Utah?

While there are fewer options for subprime or bad credit lenders in Utah, you'll want to prioritize working with reputable lenders. At Acorn, most of the lenders on our platform have a credit score cutoff of 600 or above. Our network of financial partners includes the following and more: