Payday Loans By Phone

(801) 955-1903

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Payday Loans in Utah

Money 4 You: Getting You the Payday Loan You Need

Financial emergencies have a way of catching people off guard. No one can plan for unexpected circumstances, leaving many in need of money that is on its way but not in their account yet. In moments of temporary need like these, there is no shame in seeking the assistance of Money 4 You. Here, you can get the cash you need now so that you can properly deal with your momentary circumstances.

At Money 4 You, we specialize in payday loans, which are advances on paychecks that have not yet come in. As short-term loans, payday loans provide you with the cash you depend on from your paychecks but at a time that is convenient for you as circumstances may demand. For over 18 years, Money 4 You has been helping people in Utah and Idaho through payday loans, and we can do the same for you!

Why work with Money 4 You?

  • Your First Loan is FREE
  • You Can Borrow Up to $3,000
  • Get Fast Approval
  • We Offer Convenient Payment Options
  • Potential Free Week On Every Loan (See rewards page for more information)

Experienced & Compassionate Payday Loan Specialists

Money 4 You knows its services are relied upon by dozens of customers in their time of need. That is why we designed our services to fit your needs and not to bolster our own revenue. Our interest rates are affordable, and we even offer the first week free of interest as part of our rewards program. The process toward obtaining your loan is always clearly stated so that you understand both what we promise and what we expect in return. Fees are affordable because we know that financial troubles can hit anyone at any moment.

We also offer referral and rewards programs to returning customers who exemplify responsibility and trust-worthiness. We believe in rewarding loyalty and will provide you with the fastest and best customer service in your time of need. Contact us at (801) 955-1903 today to apply for your payday loan over the phone!

Collection practices

If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements.

If we are unable to reach you or if we cannot collect a delinquent balance you owe, a notice may be reported to credit bureaus reflecting your late or non-payment. Such action may impact your credit rating. Pursuant to state and federal lending laws we may also seek legal recourse. Some delinquent accounts may be placed or sold to a third party collection agency that follows the Federal Debt Collection Practices Act. As noted above, late fees and returned item/NSF fees may apply as described in your loan agreement.

Renewal Policy

will not renew or refinance your loan without your express permission pursuant to the terms of your loan agreement. We strongly encourage you to reduce the principal of your loan by making early payment to potentially reduce the finance charges you may incur. For more information on loan renewals please check the Annual Percentage Rate Disclosure for your state.

Money 4 You will not renew or refinance your loan without your express permission pursuant to the terms of your loan agreement. We strongly encourage you to reduce the principal of your loan by making early payment to potentially reduce the finance charges you may incur. For more information on loan renewals please check the Annual Percentage Rate Disclosure for your state.

What is the potential impact to my credit score?

Non-payment will be reported to credit agencies and could affect your ability to obtain future loans with Money 4 You or other lenders, depending on the credit reporting companies and scores used by each lender to grant credit.

Loan limits are determined on an individual basis. Your credit limit will depend on a number of factors, some of which include your monthly income, the dollar amount you may have already borrowed from other payday loan companies (if any), and other credit worthiness factors. Many states have limits on the amount which can be borrowed. For more on loan amounts please check the Annual Percentage Rate Disclosure.

What are the implications of late payment or non-payment?

If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements we may assess a returned item fee of up to $30 if permitted by state law. You may also incur a fee from your bank or credit union.

Money 4 You will then attempt to contact you in order to make alternate payment arrangements. The customer may also incur additional fees. Specific late and non payment fee's in Utah –Money 4 You charges $20.00 Return Item Fee, with interest continuing to accrue for 70 days from the date of loan origination. . For more information on late and non payment fees please check the Annual Percentage Rate Disclosure and your actual final loan disclosure documents.

APR

We’ve included our fee schedule below for your convenience. Based on your loan amount and how long you need it for, you can figure out what fee amounts you will need to pay, along with the cost of the payday loan.

FEE SCHEDULE
Days Annual
Percentage Rate (APR)
Loan Amount
$100 $200 $300 $400 $500
Finance Charge
2 1825% $10 $20 $30 $40 $50
3 1216.67% $10 $20 $30 $40 $50
4 912.50% $10 $20 $30 $40 $50
5 730% $10 $20 $30 $40 $50
6 608.33% $10 $20 $30 $40 $50
7 521.43% $10 $20 $30 $40 $50
8 912.50% $20 $40 $60 $80 $100
9 811.11% $20 $40 $60 $80 $100
10 730% $20 $40 $60 $80 $100
11 663.64% $20 $40 $60 $80 $100
12 608.33% $20 $40 $60 $80 $100
13 561.54% $20 $40 $60 $80 $100
14 521.43% $20 $40 $60 $80 $100
15 521.43% $21.43 $42.86 $64.29 $85.72 $107.17
16 521.43% $22.86 $45.72 $68.58 $91.44 $114.30
17 521.43% $24.29 $48.58 $72.87 $97.16 $121.45
18 521.43% $25.71 $51.42 $77.13 $102.84 $128.55
19 521.43% $27.14 $54.28 $81.42 $108.56 $135.70
20 521.43% $28.57 $57.14 $85.71 $114.28 $145.85
21 521.43% $30 $60 $90 $120 $150
22 521.43% $31.42 $62.84 $94.26 $125.68 $157.10
23 521.43% $32.86 $65.72 $98.58 $131.44 $164.30
24 521.43% $34.29 $68.58 $102.87 $137.16 $171.45
25 521.43% $35.71 $71.42 $107.13 $142.84 $178.55
26 521.43% $37.14 $74.28 $111.42 $148.56 $185.70
27 521.43% $38.57 $77.14 $115.71 $154.28 $192.85
28 521.43% $40 $80 $120 $160 $200
Money 4 You
Located at
498 N 900 West Suite 230
Kaysville, UT 84037
Phone: (801) 955-1903
Website:
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