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Utah Loans

Utah Loans

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Nice Guys Loans is your one-stop shop for quick and easy short-term loans.

The name Nice Guys Loans says it all. Nice Guys Loans was formed by people who had experience in the payday loan industry. They were sick and tired of seeing the way customers were treated by these payday lenders and the interest and fees that were charged. They wanted to create a way for customers to get money quickly and easily but still be treated with respect.

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Utah Loans

Short-term installment loans are defined as loans in which the terms run over a relatively short amount of time, and the full sum that’s owed is paid back in segments. Generally, these loans last between 6 and 12 months, but some can span over the course of 3 years.

Our Loans

At Nice Guys, we specialize in short-term installment loans. We believe that you should be able to access your money quickly and easily. We’ve narrowed down our process to five easy steps with no hidden fees or hoops to jump through.

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Installment Loans

Choose your own lease terms at Nice Guys. We offer up to 7-month loan terms with options to pay weekly or biweekly for the entirety of your agreement. If you choose to skip a payment, just let us know and we will adjust the terms. And with no early pay-off fees, you can get your loan repaid even sooner.

Cheaper Option

Compared to other options, Nice Guys offers the lowest annual percentage rates in the area. Our APRs typically run 255%, less than half of what some competitors charge. Pay off your loan without any account-draining hidden charges that come with big bank loans.

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Get Treated With Respect

We believe that customer satisfaction is key. After working in the payday loan industry, we were frustrated with how people were being treated. We pride ourselves on treating our clients with respect both through our customer service and through providing quality, upfront loans. As locals, Nice Guys is here to support the community and the neighborhoods that we grew up in.

How It Works

The loan process at Nice Guys is both simple and accessible. With online applications, there’s no need to get to a bank or other financial institution. Just head to our website and find the “Apply Online” tab. Fill out the application to the best of your abilities and you’re already halfway there. We will contact you within an hour and let you know your approval status. If you’re approved, you’ll receive a contract via email. All you need to do is e-sign it, send it back, and watch the money show up in your account. Your contract will hold all the details of your
payment terms.
Once your loan is approved, be sure to schedule your payments so that you’re always on time. All payments are scheduled via ACH payments and pulled from your checking account or debit card. For those times where you need to skip a payment or decide to refinance the loan, just give us a heads up by 2 pm the business day before your payment would go through.

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How It Works

The loan process at Nice Guys is both simple and accessible. With online applications, there’s no need to get to a bank or other financial institution. Just head to our website and find the “Apply Online” tab. Fill out the application to the best of your abilities and you’re already halfway there. We will contact you within an hour and let you know your approval status. If you’re approved, you’ll receive a contract via email. All you need to do is e-sign it, send it back, and watch the money show up in your account. Your contract will hold all the details of your
payment terms.
Once your loan is approved, be sure to schedule your payments so that you’re always on time. All payments are scheduled via ACH payments and pulled from your checking account or debit card. For those times where you need to skip a payment or decide to refinance the loan, just give us a heads up by 2 pm the business day before your payment would go through.

Rates & Fees

The rates and fees associated with short-term loans can be pretty steep. Because the loan term is so short, high-interest rates are the main way banks and financial institutions profit. At Nice Guys, we have the lowest rates of anyone around. We only charge $15 per month for every $100 borrowed, which is an annual percentage rate of 255%. And if your credit is good, it can be even lower! With no application or early pay-off fees, you can focus on paying back the money owed.

Serviced Areas

Nice Guys proudly serves the state of Utah—popular serviced areas include Salt Lake and Utah County.

SALT LAKE COUNTY

– Alta
– Bluffdale
– Brighton
– Cottonwood Heights
– Draper
– Herriman

– Holladay
– Midvale
Millcreek
– Murray
– Riverton
Sandy

Salt Lake City
South Jordan
– South Salt Lake
Taylorsville
West Jordan
West Valley City

UTAH COUNTY

– Alpine City
– American For
– Cedar Fort
– Cedar Hills
– Draper
– Eagle Mountain
– Elk Ridge
– Fairfield
– Genola

– Goshen
– Highland
Lehi
– Lindon
– Mapleton
Orem
– Payson
– Pleasant Grove

Provo
– Salem
– Santaquin
– Saratoga Springs
– Spanish Fork
– Springville
– Vineyard
– Woodland Hills

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Apply Today

If you’re in a pinch for cash, look no further than Nice Guys Loans. With an easy online application, you can get your loan and be on your way within 48 business hours. For information give us a call or check out our website.

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