Most people hit a financial rough patch at some point in life. Accidents, job changes, medical bills, and other unplanned expenses happen to good people all the time, and your credit score might carry that story long after you’ve moved on.
It’s frustrating, but it doesn’t have to define your future. That’s what we’re here for!
Utah First proudly offers second-chance loans for all credit types. Instead of limiting your opportunities based on your credit score, we look at the full picture (your goals, income, ability to repay) to help you access the best lending options for your colorful credit while you bounce back.
Whether you’re rebuilding, establishing credit for the first time, or just need a lender who treats you with respect, Utah First has your back! We make loans to people we believe can repay them, no matter their credit score.
Our boutique lending experience is based on:
Here’s what you can count on when you work with us:
Our team is obsessed with saying “yes” and wants to approve your next loan, especially if you’ve been told “no” at another institution.
Apply online, give us a call, or swing by a branch to see what our financial experts can do for you. We make the process simple, supportive, and pressure-free!
Yep — all of them! We work with members across the entire credit spectrum, complicated history and all. Approval is based on your overall financial picture, not just a number, so a rocky past doesn’t automatically close the door to new opportunities.
It might cause a small dip from a credit inquiry, but it’s nothing to spiral about. Our team will tell you exactly what to expect upfront so you can make the call with all the information you need. We’re big fans of no surprises around here.
Glad you asked! Utah First offers personal loans, auto loans, and a variety of other options depending on what you need. Tell us what you’re trying to accomplish, and our team will help you figure out the best fit.
Then you’ve come to the right place. Many people walk through our doors (or visit our site) after getting turned down somewhere else. We see it as an opportunity to take a closer look. Apply, and let us see what we can do!
You can apply online, call us, or stop by a branch. However you prefer to do things, we’ve got a friendly lending expert ready to help you figure out the best path forward at whatever pace works for you.