Best Time To Use Short-Term Loans

The unexpected can (and does!) happen to all of us—sometimes adding the surprise burden of financial stress. When the unforeseen happens, a short-term or payday loan can be a great way to get the money you need. And with a short-term loan’s simple qualification process and quick approval time, you can also avoid the consequences of late bills or missing payments—saving you money on overdraft and late fees as well. From emergency home or car repairs, to accidents resulting in medical bills and more, it’s not hard to find yourself in a situation where some extra cash could really help out. So, when is it a good time to think about a short-term loan? Let’s walk through some common situations where a payday loan can really help out, as well as highlight the benefits this type of loan provides.

 

 

Here in Utah, we’re no stranger to the extreme highs and lows of our dry desert summers and frigid Rocky Mountain winters. What if your furnace stops working in the middle of a winter storm? Or your air conditioner leaves you stranded in the summer? Scenarios like these are where a payday loan can be exactly what you need—helping you get the repairs you need taken care of so you and your family can not only live comfortably, but be safe from the extreme heat and cold of the seasons as well.

 

Utahns are an active group—seizing any opportunity to explore all the recreational opportunities our state provides. From camping and hiking to fishing, skiing, rafting, rock climbing, cycling, water skiing, and so much more, we live in a great state for outdoor activities. Unfortunately, accidents do happen and emergency room visits can be incredibly expensive. Medical bills are never fun for anyone, especially when they come out of nowhere. Add to that the stress of missing work and paychecks from a serious injury and it’s easy to see how quickly an accident can become a huge financial burden.  Having enough money at hand to cover the unexpected simply may not be in your budget. Getting a short-term loan can provide the funds you need quickly and easily, helping you stay on top of medical bills and expenses before they pile up sand letting you focus on your recovery.

 

Payday loans are a great tool to keep in your emergency financial toolbox for other scenarios as well:

• Household bills piling up
• Tuition and school supplies
• Emergency travel to care for sick family
• Unexpected moving costs
• Having major appliances break down
• Unexpected car repairs
• Big-ticket life events: weddings, last-minute vacations, etc.

 

There are many benefits to applying for a cash advance. The biggest one is that you’ll get the funds you need right away. Other benefits to consider when you’re thinking about a short-term loan include:

• You don’t need perfect credit for a payday loan—low credit is ok!
• Helps to build your credit
• Most loans do not require any collateral (house, car, etc.)
• Repayment flexibility
• No long-term commitments

 

Short-term loans are meant to help out in a pinch. They’re great if you need money fast and you’re capable of paying back the loan quickly. They’re also very easy to qualify for. Generally, the whole process of getting a short-term is fairly quick and painless.

 

 

Nice Guys Loans know that when times are tough, adding the stress and worry of money only makes the situation you’re in more challenging. It’s easy for anyone to find themselves in a situation where they just don’t have what they need to take care of a problem. With Nice Guys Loans, you not only get the cash you need, but the respect you deserve. Nice Guys makes it simple; get quick cash with same-day approval and funding in five easy steps. You’ll get the money you need with payment terms that work for you.

Short Term Loans in Utah

Utah Short Term Loans

No matter how much financial planning we do, there will often be a time where our expenses are more than we expected. Generally, people look to quick money options when trying to bridge a gap in their finances. For some, it is due to an unexpected or unforeseen expense that has come up. For others, it could simply be a time when current cash flow isn’t enough to sustain current expenses. This could be in between jobs or during a slower month of income. Whatever it may be, there are times where quick cash is needed. 

 

Quick Cash Options

When looking for a quick cash fix, there are a variety of options to choose from.

 

• Credit Cards. Using credit cards to pay for emergency expenses is a route many take. However, the health of your credit score is important and can greatly suffer if you are unable to pay your balance in the coming months.

• Cash Advances. Similar to using your line of credit, cash advances are used to take paper money out of your credit account. This is often used in cash-only situations where you need a sum of money quickly but don’t have enough in your bank account to cover the expense.

• Payday Loans. Payday loans are loans in which the borrower generally gives the lender a post-dated check to pay back the sum of money. Often this due date refers to the next pay period, hence the name payday loans.

• Short-Term Loans. Short-term loans are similar to payday loans in that they offer an opportunity for quick cash. But unlike payday loans, generally, these loan amounts are paid off in short-term installments over a course of 0-7 months. 

 

What Is A Short-Term Loan? 

Short-term loans are a type of installment loan used to make up for a temporary lack of cash. Whether it is an emergency medical expense, rent, a car payment, or any other time-sensitive expense, these loans can be used to make the payment. They are referred to as “short-term” due to the shorter turnaround nature of the repayment. While there is no universal guideline to what short-term entails, generally it’s considered to be anywhere between 0-7 months.

Why Choose A Short-Term Loan?

Aside from the shorter length of terms, these loans offer other advantages that set them apart. 

 

• No collateral. Because short-term loans are unsecured, they don’t require any collateral. Collateral refers to an asset that the borrower provides to a lender in exchange for the sum of money. If the borrower were to fall short on their payments, the lender can seize the collateral.

• Wide range of uses. Some loans can only be used for a specific purpose. For example, an auto loan can only be used for payments having to do with your automobile. Short-term loans can be used for a variety of purposes and generally don’t have a use limitation.

• Better credit score. Since short-term loan amounts are reported to major credit reporting agencies, if you keep up with your payments then you can increase your credit score. However, if you fall behind or fail to pay, then your score could drop and you may develop a bad credit history.

• Access to cash quickly. Short-term loans are an excellent choice for emergencies because the entire process generally takes no more than 24 hours, or one business day. You can gain access to the money you need quickly and pay it off in a shorter turnaround than most other loan types.

• Quick application/approval process. Unlike longer-term loans, short-term loans have a relatively speedy application and approval process. Because no collateral is needed, generally you only need proof of identification and to show that you have an income to repay the loan. 

 

 

Paying Back A Short Term Loan

Short-term loans are characterized by the shorter turnaround time expected for repayment. As aforementioned, generally, short-term loans are to be paid back within 0-7 months of being borrowed. When you take a short-term loan, you and the intuition form which you borrowed will put together a series of terms for paying the sum of money back. More than likely, these will be installments spread out over the course of months paired with a set annual percentage rate (APR) that will build up over time.

Understanding APR

The annual percentage rate or APR as it’s most commonly known as the yearly interest rate that is charged when borrowing money. Depending on where you choose to borrow your loans, the APR will vary. Understanding how APR works is extremely important in not finding yourself in deeper debt than when you started. Because APR adds up, you’ll want to pay your loans off on time to avoid racking up an even larger sum.

Planning Your Loans

APRs and terms have to be disclosed before you take out a loan. This way, when you’re considering which institution to borrow from, you can compare and contrast the various leases and rates to ensure that you’re getting the rate that best fits your needs and current financial situation.

 

 

 

Nice Guys Can Help

Nice Guys loans can help get you out of a financial pinch. We offer quick and easy Utah installment loans without the hassle of major financial institutions. With simple online applications, same-day approval and funding, and the lowest APR and other rates among other payday loan companies, there is no better option. Choose your loan length and terms for an agreement that fits your needs. You deserve a loan company that treats you like a person, not just a user. Work with people, not corporations. Contact us and apply online today!

Payday Loans in Utah

Breakdown Of Utah Payday Loans

Unforeseen financial burdens happen to everyone. Sometimes, no matter how much we plan, an emergency can come out of nowhere and we’re left with the bill. In times of financial need, many look towards long-term financial solutions. Often, this refers to loans. In the United States, there are various types of loans, each with its own set of requirements and regulations. For a relatively small amount of quick cash, between $300-$1,000, many opt for the payday loan. 

 

What is a Payday Loan?

Payday loans are a type of bad credit loan, meaning you don’t necessarily need good credit to qualify. While payday loans are not explicitly defined and are subject to variation, they generally refer to a loan that is usually short-term and high cost. High cost refers to the annual percentage rate (APR) of the loans which in this case, can get up to 700%. However, because these loans are short-term the APR doesn’t have much time to build up. Generally, borrowers often use their payday as a due date to repay the lender, hence the name payday loan. 

 

How Do Payday Loans Work?

Payday loans can be accessed in one of two ways, an online payday lender or a physical branch of a financial institution. Depending on which state you reside in, there are different laws that dictate how much money you can borrow, and how much interest the lender can charge. Once approved for the payday loan, the repayment process begins. Most lenders request the payment to be made in full and within 14 days, or the next pay period. Some lenders even require a postdated check so they can pull the money from a checking account by the date indicated. 

 

How Much Do Payday Loans Cost?

Because payday loans are high-cost, the APR associated with loans can look alarmingly high. But because these loans are short-term, if you pay the amount back on time, the accumulated interest isn’t too daunting. Typically, payday loans cost $15 for every $100 borrowed. For a 14 day or a 2-week loan, that’s a little under 400% APR. However, if you fail to repay the borrowed amount on time, the APR will continue to increase and you’ll end up paying far more than what you originally took out. 

 

What If I Can’t Pay Back My Payday Loan?

Aside from the APR continuing to compound, not paying back your payday loan may lead to other consequences. The most obvious is the amount you’ll need to repay will be far more than what you originally borrowed. Depending on your lender and where you live, you may be charged extra fees. These include a late fee, a nonsufficient fund fee, and even a bank fee. Additionally, failing to pay back a payday loan can have an impact on your credit score. While some lenders have a rollover option, it is best to pay your lender the full amount on time.

 

What Do I Need to Take Out a Payday Loan?

Payday loans are a good option for those who don’t have the best credit. In order to take out a payday loan, you must be at least 18 years old, have an ID, active bank account, and proof of income. This could be a bank statement or a pay stub. Additionally, some lenders will ask for a Social Security number. However, this is not foolproof. You may still be rejected even with meeting all the requirements. Depending on where you live and the lender you choose, there may be other restrictions for taking out a payday loan. 

 

The Difference Between Nice Guys and Typical Payday Loans

Perhaps the biggest catch in taking out a payday loan is having to repay the entire amount by your next payday. In life, unforeseen situations come up all the time. And sometimes, paying back that entire loan with your next paycheck is just not feasible. Nice Guys offers short-term online installment loans that make the repayment process much easier. Instead of the total amount being due at your next pay period, you can stagger the payments in installments.

 

To get approved, you apply online and one of our customer service representatives will generally get back to you the next business day. Once approved, you can choose how long you want to pay back the loan, up to 7 months. These payments can be split weekly, bi-weekly or monthly, and will typically match your paydays. Not to mention, Nice Guys offer lower interest rates than any others on the market. If you’re looking for a lender in Salt Lake City, Utah that understands your situation, give Nice Guy Loans a call!

Bad Credits Loans in Utah

Your Guide To Bad Credit Loans in Utah

Looking for a quick fix to your bad credit? Consider getting a bad credit loan. Bad credit loans are an effective way of gaining access to the funds you need without waiting for approval. The application process is simple and can be completed in less than five minutes. Below is what you need to know about bad credit loans.

 

 

What is a bad credit loan?

A bad credit loan is an unsecured personal installment loan that does not require any collateral and can be accessed easily by people with bad credit.

Though the lender does not require collateral, they will need to assess your credit history and score before offering the funds. A variety of bad credit installment loans are available, including personal loans, debt consolidation loans, and more.

 

What to expect with bad credit loans in Utah

Because bad credit loans are unsecured and do not require collateral, approval can be fast and straightforward. The process is typically simple, where you take some basic steps to have the loan transferred to your bank account within seconds.

When applying for a bad credit loan in Salt Lake City, Utah, it’s important to note that not all financial institutions work the same way. Some may require that you meet with a representative in person or over the phone. However, many lenders offer the option to apply online. This is through an application portal where you fill out your information from the comfort of home.

But, where you submit your application is just the first step. If you’re approved, it will be time to find out how much money you’ll need to repay. This amount will vary based on if the loan is short-term or long-term and the lender you choose to work with.

However, it’s important to note that some lenders will require you to meet their criteria. For example, you may be required to have a minimum credit score to qualify for the loan.

 

How can I find bad credit loans that are right for me?

Finding a lender that can meet your needs isn’t difficult. Many banks and financial institutions offer this type of financing, so it’s possible to find one nearby who can lend to you.

However, if the process seems overwhelming or too complicated, it may be best to work with an online lender. These organizations can typically offer a quick approval process and have funds transferred to your account in a business day or less. In addition, their terms are more flexible and have the lowest rates among traditional lenders.

 

Why you Might Need a Bad Credit Loan

Bad credit loans can be used for a wide variety of reasons, including:

 

Emergency Expenses

When you’re faced with an unexpected expense, it can be difficult to manage unless you have some extra funds set aside. A bad credit loan can help you get the money you need to cover this cost.

 

Debt Consolidation

If you currently have several high-interest rate credit cards, a debt consolidation loan could be helpful. These loans allow you to combine your debt into one efficient monthly payment that is easier to manage.

As seen with these examples, a bad credit loan can provide the flexibility and ease of access you need to cover your bases when it comes to personal finance. However, you must always repay your loan on time. Keep that in mind when deciding between short-term and long-term. You want to pick a payment schedule that works for you. If you don’t repay it on time, it could become challenging to get additional financing in the future.

 

The Process of Applying for a Bad Credit Loan

To apply for a bad credit loan, you’ll need to provide basic information about yourself and your employees. This will include your name, address, phone number, Social Security Number, the amount of money you want to borrow, and the purpose of the loan.

Once this is provided, it’s time to submit an application where you’ll need to input your bank account information. You’ll also be required to disclose whether or not you’ve applied for a loan within the past ninety days, and if so, how many times.

After this is completed, it’s time to wait for approval from the lender. Once approved, money will typically be available in less than a business day. If you’ve submitted everything correctly, approval shouldn’t be a problem, and you’ll have the money that you need to cover your expenses.

If you’re interested in a bad credit loan, it’s important to understand the process so that you can apply online from the comfort of your own home. In addition, take steps to improve your credit score over time so that future loans will be more manageable.

 

Average Fees for Bad Credit Loans

When it comes to bad credit loans, lenders typically charge average fees. However, the exact cost of the loan will vary depending on your lender and whether or not you are approved.

The average fee for a bad credit loan is $17.00 for every $100 in borrowed funds. However, the fees associated with this type of financing vary across lenders. This means that some companies may have lower fees than others, so it’s crucial to compare rates before applying for a loan.

 

Payment Options

There are a variety of payment options available with bad credit loans in Utah. Typically, lenders will let you make payments on the loan for up to five years. In addition, many companies offer borrowers to make weekly or monthly payments until the loan is paid off.

Because bad credit loans typically have high interest rates, flexible repayment terms can help you avoid going deeper into debt. By giving borrowers options for how they repay their loans, lenders allow borrowers to avoid defaulting on their loans.

 

What’s the difference between a bad credit loan and a payday loan?

Payday loans are different from bad credit loans because they require repayment in a single lump-sum payment. This type of financing is often used to cover unexpected expenses like medical bills or car repairs.

However, these loans typically have high-interest rates and fees, leading people to struggle to pay them off. Unlike payday loans, bad credit loans don’t require repayment in a single lump sum. Instead, you’re given the option to repay your loan in several installments, which can help you avoid going deeper into debt.

 

The Bottom Line

Bad credit loans in Utah are a great option if you have some debt that is preventing you from getting out of the hole. It can be challenging to find someone willing to lend money when your credit score is low, but it’s not impossible.

Nice Guys Loans holds and A+ rating from the Better Business Bureau, and is licensed by the Utah Department of Financial Institution.

 

Quick Loans Utah

Your Guide To Quick Loans In Utah     

When looking to get quick cash, one of the options available is a quick, online, Utah installment loan. With this type of loan, consumers will have the opportunity to get financing for living costs, repairs, medical expenses, and home improvement projects. 

Quick loans in Utah are widely available to those with poor or even no credit history. As well as offering quick cash, these short term installment loans are offered online with reasonable rates compared to other financing options. Quick installment loans can be an ideal option for those who need short-term additional funds immediately. 

What Is A Short Term Loan?

Before getting a short-term loan, it is important to know what this type of loan is and how it works. A short-term loan is a type of financing loan that provides consumers with an amount of up to $5,000. With this type of loan, you are able to get quick cash to pay bills and meet other financial obligations that you don’t have sufficient funds for. An example of this type of loan would be a quick loan of $1,000 to pay for a home repair. Another example is getting $2,000 to pay for some unexpected medical expenses. By getting this type of financing, you can pay unexpected expenses more easily. 

 

What Is An Installment Loan?

An installment loan is a short-term loan that you pay over a period of up to two years. Compared to other types of loans such as payday loans, you have more time to pay off the entire balance. As a result, you can get the funds you need to cover expenses as well as pay them back on the most affordable terms. 

 

What’s The Difference Between A Payday Loan And A Short Term Loan?

There is a difference between payday loans and short-term quick loans. One of the main differences between the two types of loans is the payment terms. A payday loan will usually require you to pay back the entire balance within 30 days. Compared to a payday loan, short-term loans offer a longer payback period. This type of loan will allow you to pay back the entire balance within 7 months to 26 months. Another difference is that payday loans usually charge an interest rate that is well in the double digits. Short-term quick loans are usually offered at rates that are below 10%. As a result, short-term loans are easier to pay back and have more flexible terms compared to payday loans. 

 

What If I Have Bad Credit Or No Credit?

One of the best things about quick loans is that they are available to those who have credit issues. For those with bad credit, short-term loans can provide needed financing at low-interest rates. As a result, you won’t have to worry about paying a very high interest rate that can make it more difficult to pay back in the future. As well as those with bad credit, a short-term loan can also help someone who has no credit history. Using a quick loan can allow you to get funding for everyday expenses or liabilities that you can pay back on affordable terms. This allows you to build your credit history and get your credit rating up over time. Today, there are plenty of short term loans for those with either bad credit or no credit at all. 

 

Who Is Nice Guys Loans?

When it comes to looking for a provider of short-term quick loans, there are many companies that you can consider. One of the short-term loan companies in Utah that stands out among the rest is Nice Guys Loans. This company has been in business for several years and is one of the leading short-term loan providers in Utah. With Nice Guys Loans, you can get financing at affordable rates, generous terms, and loan amounts that are sufficient to meet your financial needs. 

 

How Does It Work?

The process of getting a quick loan from Nice Guys Loans is very simple. First, you visit the website and apply online. It is important to fill out the application as completely as possible. After you fill out the application, you will then be contacted by Nice Guys Loans within one hour and told whether or not you have been approved. As soon as you are approved, you will get a contract emailed to you and then you just need to e-sign it. With the contract, you will be given the payment terms. These can include a period of 7 months to pay back the loan and either a weekly or bi-weekly payment schedule. 

 

What Are the Qualifications?

Like all types of loans, there are certain qualifications that you will need to meet. One of the qualifications that you will need is to have proof of income. You will need to send a pay stub as well as information about your employer. For those who are self-employed, a business license, business bank account, and tax returns will be sufficient. With a proven source of income, you should qualify for a short-term loan. 

 

Who Do We Service?

Nice Guys Loans serves people from all walks of life in the state of Utah. This company serves individuals, families, and business owners. Nice Guys Loans may also serve students as well. The main type of customer we serve are working adults who are in need of quick cash. Whether that is to cover the cost of everyday expenses such as bills or unexpected liabilities such as medical bills and car repairs. Nice Guys Loans focuses on serving the residents of Utah. 

 

How Do I Know If It’s Trustworthy?

Whenever you are looking to get a quick loan in Utah, it is important to do your research. You need to see which companies offer the loans you’re looking for. The first step in this process is to research the track record of the company. You will want to make sure that the company has no negative complaints as well as no history of fraud. It is important to make sure that the company has all the appropriate credentials and licenses. Fortunately for consumers, Nice Guys Loans meets all of these criteria so this company can be trusted to meet your short-term financial needs.

Nice Guys Loans holds and A+ rating from the Better Business Bureau, and is licensed by the Utah Department of Financial Institution.

Different Types of Loans

If you’re looking to borrow money, you have some options! There are many different types of loans—each with their own use case, pros, and cons. Before you borrow money it’s best to understand the type of loan agreement you’ll be entering. In this article, we’ll be covering some of the most common types of loan agreements available.

Before you accept a loan, consider why you need the money and be sure to select the best type of loan for your situation. Always carefully check the terms and conditions of the financial arrangement. And make sure that the long term effects of the loan align with your existing income and obligations.

Common Types of Loans:

1. Home Equity Loans
2. Unsecured Personal Loans
3. Secured Personal Loans
4. Student Loans
5. Small Business Loans
6. Credit Card Loans
7. Auto Loans
8. Short Term Loans

 

 

1. Home Equity Loans

A home equity loan is a secured loan. With this kind of loan, you’ll use your house as collateral to borrow additional funds. Lenders base the amount of this kind of loan on the equity that you currently have available in your home. It will be the difference between what your home’s market value is and the amount that you owe for your home. In most cases, lenders will limit the loan to no more than 85% of your available equity.

Borrowers usually take out an equity loan to pay for home improvement expenses or high medical bills. Before going with this type of loan, make sure that you can afford the payment. If you were to default on a home equity loan payment, you could lose your home. The average fixed rate for a 15-year loan is around 5.8%.

 

2. Unsecured Personal Loans

Consider applying for an unsecured loan if you have good credit. This type of loan does not require collateral, and often has few restrictions on use. If you are in credit card debt and paying high interest rates, this kind loan is often used as debt consolidation to save money on interest.

When you take out an unsecured loan with a lower interest rate, you’ll be able to pay off your debt more quickly. If you need to finance a large purchase, such as a home renovation or a medical expense, then an unsecured loan may be the best option. The average rate for this type of loan ranges from 5% to 36% depending on your credit report.

Consumers with a high credit score will receive the lowest interest rates. If your credit is on the low side, then you may still qualify for a personal loan, but you will probably pay a higher rate. Be sure to shop around for the best rate if this is the case.

 

3. Secured Personal Loans

Secured personal loans are usually an option for borrowers who have no or poor credit. They are often a great way to establish or rebuild your credit history. A secured loan is one that requires collateral like the deed to a car or an upfront deposit. The lender will use the collateral to secure your loan.

A secured personal loan may feature a lower rate than unsecured loan options. This is because the collateral decreases the lender’s risk of lending money. If you have collateral and know that you’ll be able to repay the secured loan in full and on time, then a secured loan may be an affordable way to borrow money.

Keep in mind that when you put up collateral for a loan, you are at risk of the lender taking possession of it. For instance, if something unexpected happens that causes you to be unable to repay the loan, the lender could take your vehicle or the deposit. The average interest rates for personal loans range from 10% to 28% based on your credit rating.

 

4. Student Loans

Loans for students are available for those who need financial assistance to attend a college or university. You can take one student loans through the U.S. Department of Education. Private financial institutions, such as banks and credit unions, also offer them.

Federal student aid is available in different forms. For instance, you can apply for a direct subsidized loan or a direct unsubsidized loan. You may qualify for a subsidized loan if you have a financial need and require help to cover the cost of college. Unsubsidized loans are available to those who do not have a financial need for additional help. The average interest rate for a student loan is around 5.5%.

 

5. Small Business Loans

Most banks offer small business loans. This type of loan is usually requested by someone who is just starting a business or expanding their current one. This kind of loan generally requires you to provide a formal business plan for the lender to analyze and grant approval.

Often, the lender of small business loans needs the owner to give them a personal guarantee as well as a business plan. This means that you may need to put up a personal item as collateral to protect the lender against default. Business loans usually include payoff terms that range from five to 25 years. According to statistics, the average small business loan amount in 2018 was around $660,000.

 

6. Credit Card Loans

Most credit cards have a cash advance feature that lets the card member withdraw cash as a short-term loan. While this is a convenient way to get your hands on a little extra cash, it’s not usually the most affordable option. Credit companies frequently charge a fee for the convenience. These companies may also charge higher interest rates on cash advance withdrawals. The average interest rate for this kind of loan is around 25%.

 

7. Auto Loans

Auto loans are a type of secured installment loan designed to help you pay for a vehicle. When you take out an auto loan, the financial institution will generally deliver the funds to you in a lump sum. You’ll pay for the car using the loan, and then, you’ll make payments to the auto loan lender. This type of loan will include interest. The average rate for a 60-month auto loan is around 5.25%.

 

8. Short Term Loans

Short term loans typically used to supplement income in-between pay periods. These loans can often have an APR between 400% and 600%. The loans are typically tied to a bank account with the payment automatically drawn on each due date. These loans are similar to unsecured personal loans, but are typically held for short periods of time.

At Nice Guys Loans our fees are often less than half of typical short term loan providers. Our loans are unsecured and can be set in installments matching pay days—either weekly, bi-weekly or monthly up to 7 months

Even with bad credit, or no credit, Nice Guys Loans will work with you. Our rates are considerably lower than many payday loans and short term lenders. If you’re interested in working with us, you can apply online here.

 

---

 

Financial Help

At Nice Guys Loans, we offer some of the best short term loans with rates that are considerably lower than other lenders offering similar financial products. At Nice Guys Loans, we provide a fast and affordable way for consumers to borrow money.

If you’re interested, feel free to learn more about how our loans work and our rates and fees. And if you have any questions, and would like to speak with a member of our team, give us a call today!

801-836-3333