A payday loan is a short term loan designed to help you get from one paycheck to the next, for unexpected financial situations that may come up like auto repairs or to avoid NSF charges from a bank. When you borrow from us we will hold your personal check from 1-28 days until you get paid. We then deposit and clear your personal check at your bank.
Loan Fees are determined by the amount and length of the loan. For example: for a $100 loan for one week, our fee would be $10 or 521.43 Annual Percentage Rate. You can view our Fee Schedule for detailed information.
Our minimum requirements are that you have had your job and checking account for at least 1 month and that you bring state issue picture ID and proof of your social security number for your first loan.
We give loans from $50 to $1000(in Utah $3000) . After completing an application, we can tell you exactly how much you qualify for.
Just fill out an application on-line, apply by phone or at a
location near you! To fill out an application on-line click the link below for your state.
Utah Payday Loan Application
Idaho Payday Loan Application
Click on the state below for a link to the locations in your state.
Utah Locations
Idaho Locations
Monday - Friday: 9am-6pm
Most locations are open Saturdays from 9am-3pm
Closed Federal and State holidays and Sundays
Yes, you may pay off your loan early without penalty and you may be entitled to a rebate for unused interest. Pay offs may be done in person at any of our locations.
Yes, in Utah you can extend your loan up to 10 weeks from the origination date. In Idaho you can extend your loan up to 3 times. Extension Fees are determined by the amount and length of the loan. For example: To extend a $100 loan for one week, our fee would be $10 or 521.43 Annual Percentage Rate. If you request an extension and we grant that request, you may obtain an extension by paying at least enough to cover interest earned up to that point(usually the financed charge previously disclosed). We also recommend that you pay as much extra as you can to reduce your principal balance. See our Fee Schedule for detailed information.
We respect the privacy of our customers and are committed to treating customers information responsibly. We collect "nonpublic personal information" about you from your application or other forms and from consumer-reporting agencies. We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law. We protect the confidentiality and security of your nonpublic personal information by restricting access to your information to our employees who need to know in order to provide service to you. We maintain physical, electronic, and procedural safeguards to protect your personal information.
| We welcome your feedback. To contact us e-mail us at m4u@xmission.com or call (801) 593-0865. We are registered and authorized to do payday loans by the State of Utah and the State of Idaho. For questions or complaints, for the State of Utah contact the Utah State Department of Financial Institutions at www.dfi.utah.gov or (801)538-8830. For the State of Idaho contact the Idaho State Department of Finance at http://finance.state.id.us/ or (208)332-8002. |