Get $100–$5,000 Today! No Credit Score Drama

Get $100–$5,000 Today!
No Credit Score
Drama

We make borrowing simple. Flexible payment plans. Instant approval. Funds in your account in as little as 24 hours.

WHAT MAKES US DIFFERENT?

WHAT MAKES US DIFFERENT?

Money As Soon As Today

We know time matters when you're in a bind. That’s why we review your application quickly — most decisions happen within a few business hours with 3 simple steps. No dragging it out, no endless paperwork.

Flexible Repayment Plans

Life isn’t one-size-fits-all — and neither are our loans. Whether you need a short-term option or want to spread it out over months, we work with you to find a plan that won’t wreck your budget.

 

No Judgment, 
Just Help

We’ve all had tough months. Whether you’re dealing with a surprise expense, car trouble, or just need a little breathing room — we’re here to help, not lecture. Our job is to get you back on track, fast.

 

GETTING STARTED IS SIMPLE AND SECURE

  • Apply Online

    Get started by completing our easy and secure application, online, in-store, or over the phone.

  • Get Approved

    After you submit your application, receive a pre-approval within minutes.

  • Access Your Money

    If you are approved, you are ready to take your first Cash Advance!
Title

  • Hablamos español

  • Same-day* funding option

  • Work with troubled credit

GETTING STARTED IS SIMPLE AND SECURE

  • Apply Online

    Get started by completing our easy and secure 

    application, online, in-store, or over the phone.

  • Get Approved

    After you submit your application, receive a 

    pre-approval within minutes.

  • Access Your Money

    If you are approved, you are ready to take your first Cash Advance!
Title

Bad Credit? Don’t Sweat It.

Why More People Are Choosing Fast Funds

At Fast Funds, we’re here to help everyday people tackle life’s unexpected expenses with fast, simple cash solutions and real human support. 

 

We know not everyone has perfect credit or a savings cushion — and that’s exactly why we exist. Every situation is different, and we’ll work with you to find the money you need, when you need it most.

Borrow $500–$5,000

Cash That Fits Your Situation

Flexible Repayments

Payments built around your budget

Pre-Approval In Minutes

Most approved same-day

Real Human Support

Talk to someone who gets it

Bad Credit? Don’t Sweat It.

Why More People Are Choosing Fast Funds

At Fast Funds, we’re here to help everyday people tackle life’s unexpected expenses with fast, simple cash solutions and real human support. 

 

We know not everyone has perfect credit or a savings cushion — and that’s exactly why we exist. Every situation is different, and we’ll work with you to find the money you need, when you need it most.

Borrow $100–$5,000

Cash That Fits Your Situation

Flexible Repayments

Payments built around your budget

Pre-Approval In Minutes

Most approved same-day

Real Human Support

Talk to someone who gets it

FAQs

What is a personal loan?

A personal loan is a type of installment loan. Once approved, you receive the proceeds of the loan or cash all at once and repay the loan on a schedule. Payments can be scheduled on a monthly, semi-monthly, or biweekly basis according to the terms and payment plan of your loan agreement.

 

This type of loan can be taken out for your own personal reasons. The funds go directly into your own hand or bank account, granting you freedom in how to spend your money. 

How do personal loans work?

Personal loans are a simple form of short-term loan. They are also a form of installment loan so you can make smaller loan payments on a regular basis rather than paying the loan back all at once.

 

Personal loans require an application and approval process to see if you meet the proper qualifications for borrowers. But once you're approved, you can visit a Fast Funds store to pick up your cash or set up a direct deposit to your bank account or debit card.

What are the rates and fees?

Traditional installment loans are typically paid back within a matter of weeks.

However, Fast Funds Personal Loans have a 6-month term which allows us to offer a lower Annual Percentage Rate (APR) than our traditional installment loans with monthly payments!

How do I qualify for a personal loan online?

To qualify for a Utah loan online you just need to fill out the online application. 

All you need for the online application are the following items:

  • A Government Issued ID
  • Proof of Bank Account
  • Proof of Direct Deposit
  • Proof of Income
  • Valid Phone Number

How much can I borrow?

Our goal is to help you get approved for the maximum credit amount possible. 

We use a number of underwriting tools to determine credit eligibility and to establish a credit limit. We can let you know what you qualify for in just a few minutes online or in one of our stores.

How much time do I have to repay the loan?

By spacing out the loan payments over a 6-month period Fast Funds is able to offer more flexible affordable payments.

 

Each payment that you make goes toward the principal (your initial loan amount) and the interest, so 6 months later your loan is paid in full!

Where can I get a personal short-term loan online?

Fast Funds is an online lender, which makes loan approval fast and convenient. If approved you can get your funds deposited into your online bank account or to your debit card.

How soon can I get my personal loan in Utah?

For online customers, if your loan agreement is signed prior to 5:00 PM Mountain Time (MT) you should receive your loan proceeds by the next business day. Any loan agreements that are approved after 5:00 PM will not fund the next day, but the following business day. When your funds deposit will also vary on weekends.

 

For in-store customers, if your loan agreement is signed and approved then you can walk out with your loan funds immediately.

Is there an origination fee?

No, there is no origination fee for personal loans that use automatic ACH payments.

Can I refinance?

If approved, refinancing is available for customers who qualify. After your fourth successful loan payment, you can request to refinance your loan anytime to access credit that is still available to you.

Can I make early payments?

Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early. And benefit from NO early termination fees.

What happens if my payment is late or I fail to make a payment?

If a customer misses a payment or is late making a payment then Fast Funds will work with the borrower to help them get back on track. Our friendly loan agents are eager to help our customers whenever they can.

 

Fast Funds may attempt to contact you using one or more authorized contact methods to arrange for payment. Authorized contact methods may include phone calls, emails, or text messages.

 

Ask how our hardship program can help you.