Getting a Pay Day Loan in Ogden, Utah is Easy as 1-2-3

Getting a Pay Day Loan in Ogden, Utah is Easy as 1-2-3


Getting behind on the bills is something that happens to the best of us. With the rising costs of gas, food, heating, electricity and everything else we need to get through the day, it is tough keeping up with all of the various expenses that life throws our way. Payday loans in Ogden are the answer for when you need just a little more cash than you have and don’t have the credit to apply for a bank loan. We know that life throws curveballs our way sometimes and that we may need some extra help to get by. We service the UT area and can do everything for you online.


No Credit Checks

It takes years to build up a credit score and only a couple of bad reports to knock it back down again. Unfortunately, this usually means that you won’t be able to secure a loan from your local bank when you are struggling with your credit report. A payday loan is one of the best avenues to take when your credit is getting in the way of your financial responsibilities. We are the company for you! We do not require a credit or background check in order for you to be eligible for a loan. Our company has been in business for more than 18 years and we have many repeat customers who simply love our company and what we can do for them!


Cash When you Need it the Most

Payday loans are one of the best types of loan advances because they are fast and easy to obtain. Since there are no credit checks to go through, customers are expedited through the process. Simply pull up our website and open the application. Once completed, you will be given your answer within 15 minutes. The cash you are approved for goes directly into your bank account and can be used immediately. Best of all, we allow you to choose when your payback date is. This date can be anywhere from one to four weeks to give you more control over your finances.


How to Get a Payday Loan

As long as you are 18 years of age, hold an open and active checking account and have verifiable proof of income, becoming approved for payday loans in Ogden is easy. You will need a checking account that is at least a month old, your state issued an identification card that has a picture and proof of your social security number. You will need to have held your job for at least one month before you will be qualified for a payday loan. We have lenders all around UT that will help you get an amount of anywhere from $50-$3,000 for your needs! Get the loan that you need for whatever financial situation you are in. Your personal information is safe and secure when you use our encrypted system to apply.


Call or apply online today for a loan from Money 4 U Payday Loans. We can solve your financial worries quickly and easily!


About the Author:

Mr. Money Mike is the owner of Money for You Pay Day Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel ever since.


Getting a Pay Day Loan in West Jordan, Utah is Easy as 1-2-3

Money in hand

Utah residents earn a median income of $62,530 per year, although the incomes vary greatly from one part of the state to the next. Factors such as skills, experience, and industry also influence the annual income an individual receives.


Payday Loans Solve Financial Woes

When the wallet is empty and the bank account shows negative, the stress is great. How is it possible to live when there isn’t any money available? At Money 4 You, lending a helping hand is something that we enjoy. We like helping West Jordan residents see the bright of a day while minimizing some of the headache and stress in the process. Our fast and easy payday loan services gives you money just in the knick of time. Anyone in the West Jordan area can apply for and receive a payday loan, regardless of past credit history or other factors. Our payday loans are available without credit checks. Bad things sometimes happen to good people, and we understand that.


West Jordan Payday Loan Facts

Adults 18 and older who’ve found themselves needing cash can apply for a payday loan. For approval, you’ll need at least one month on the job with proof of income, a social security number, and a valid driver’s license or identification card. An application is the first step in getting a payday loan.

Payday loans are meant to fill the gap between paydays. You’ll write a post-dated check that is held until your next payday usually, this is no more than two weeks. The loan amount and a small interest fee is paid at this time since the check is deposited into your bank account.

When you work with our payday loan company, expect to hear yes on your application. We love saying yes because it feels good knowing that we are helping people in need. Money obtained from a payday loan can be used for any purpose, whether you need cash to cover expenses for the week, for an unexpected car repair, or even to fund a vacation. We never ask any questions!

We offer payday loans up to $3,000, with minimum amounts starting at $50. We do our best to provide the amount of money requested, however, base your loan approval amount on ability to repay the money. Our goal is to help you through your financial struggle, not add to them.


Complete an Online Payday Loan Application Today

Completing an online payday loan application is the first step in getting the money you need. The simple application takes just minutes to complete. Once submitted, we’ll review the details, and give you an answer within 24-hours. We love to say yes to your financial needs, and if approved for a payday loan, we’ll get the money in your bank account the very same day.


Let us Solve Your Financial Dilemmas

When you need money, it is stressful and hard to think about anything else. We understand your struggles and want to make them better. We’d love to provide you with a payday loan in the amount that you need. Complete your application, or contact us today, and we’ll solve your financial dilemmas finally.


About the Author:

Mr. Money Mike is the owner of Money for You Pay Day Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel ever since.


Why We Are the Best Pay Day Loan Company in Utah


Are you in need of a payday loan? Do you live in either Utah or Idaho? You need to look no further than Money 4 You Pay Day Loans Utah.

Who Needs Payday Loans?

Many people find themselves in a position, through no fault of their own, in which they don’t have enough money to cover the bills that may be due on a regular basis. This usually happens when someone loses their job, gets their hours cut or suffers a major medical problem. People in all walks of life face these problems.

A loss of income, whether yourself or a spouse, can detrimentally impact you and your family’s well-being. Things like electric bills, medical bills and even the mortgage or rent may not get paid. This is the main reason many families go into debt or sometimes bankruptcy, which can impact credit, proper living conditions or possibly marriages. According to a study done by the Utah State University, financial problems are responsible for the breakup of at least 30 percent of all marriages. This can throw whole families into disarray, including those with children or taking care of aging parents and others.

Sometimes, the only way of getting oneself out of these predicaments is to seek out a payday advance loan. These short term lending agreements provide those in need with the options to lower their debt and pay off bills while they look for another job or simply get back on their feet again. Everybody finds themselves in predicaments from time to time, looking at a payday loan can be the best option for you.


How Does a Payday Loan Work?

In order to get a payday loan, there is certain criteria one must meet. You need to have employment records and a certain amount of paycheck stubs or proof of payment to qualify. Money 4 You Payday Loans makes an assessment to find the most logical amount it can loan you. You agree to pay back the loan in a specified amount of time and you are given the loan if you qualify.

You, the borrower, are responsible for paying back the principle along with interest in the specified amount of time. Since many of these loans are given on a short term basis, it’s important to know that the sum of money the lender gives you must be paid back in this time frame. In the state of Utah this is, at most, ten weeks from the time the loan is provided.

Why Choose Money 4 You Payday Loans Utah?

Money 4 You Payday Loans Utah is your prime option for obtaining a short term loan from a locally owned and operated company. We make sure to provide our borrowers with the best rates and most calculated re-payment options on the market.

Starting as a single shop in Sunset, Utah, the company has grown to 21 storefronts in two states. We try to extend our small-town nature to all of our locations, working with our clientele to make the best decisions for their financial situation and providing a source for relief from unwanted bills and expenses.

A payday loan can be one of the foremost options to solve your financial dilemma. The best way to contact Money 4 You Payday Loans Utah is to either go to one of its branches and speak to a payday loan specialist or reach out to the company via its website or by phone.


About the Author:

Mr. Money Mike is the owner of Money for You Pay Day Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel ever since.




How to Get a Pay Day Advance Online

Young Couple Sitting On Sofa Using Digital Tablet

If you are like many others in Utah, you may be able to manage your budget through tight control of your finances. However, issues can and do arise from time to time that can throw your finances for a loop. This may include everything from unexpected medical bills to car repairs, home repairs and more. If you need extra money fast, learning how to get a pay day advance online is a great step to take to help you overcome your current challenges.

Find the Right Lender

When you need access to a very large amount of money, heading to the bank to apply for an installment loan is necessary. However, if you only need a few hundred dollars to get by until your next paycheck arrives and if you need access to that money without delay, applying for an online payday advance is a great solution. The first step in the process is to find a reputable lender to work with. has been serving Utah residents for decades, and we are rated the top lender in the area of customer service. We strive to provide you with an exceptional solution that can put money in your account without delay.

Complete the Online Loan Application

While we strive to provide exceptional customer service to our valued clients, we go a step above and beyond by making the entire loan application process simple and easy. When you are stressed out by a tight financial situation, the last thing you want to do is to deal with a hassle when applying for a loan. Through our website, you can easily complete the loan application within a matter of minutes. More than that, you will not have to fax or email any documentation to use. We want the entire loan application process to be stress-free so that you can easily get the money you need.

Wait for Your Money to Arrive

With some payday lenders, you may have to wait a day or two to get loan approval and a few additional days to get the money you need. This is not your experience when you work with us. In many cases, you will receive a rapid response about your loan approval status from us. Because we accept bad credit borrowers, many of our loan applicants find the financial solution they need from us. In addition, we often can provide you with cash in as little as 15 minutes. When you are short on cash, you do not have time to wait to get the money you need, and we are the fast solution you are looking for.

Applying for a payday advance is a great step to take to overcome your financial stress, and is your best solution. We are a trusted, established lender that has refined the payday loan application process for your benefit. Our team is committed to providing you with a wonderful experience, and we want to help you get the money you need without delay. To begin the loan application process, complete the online application now.


About the Author:

Mr. Money Mike is the owner of Money for You Pay Day Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel ever since.

How to Get a Pay Day Advance (payday loans)


A pay day loan, also known as a payday advance or a cash advance, is a loan that you take out against your next check. When you apply and receive one of these loans, you have until your next payday to come in and pay it off. Millions of people now use these loans to cover the bills and expenses they face between checks.


How Long Do You Have to Pay Off a Loan?

One question that many borrowers have before they apply is how much time they have to pay off their loans. Many companies will look at your pay schedule and then require that you pay back the loan and any interest when you get your next check. We understand that you might have that cash earmarked for other bills like your mortgage or water bill, which is why we give you the freedom to pick your repayment terms. Some of our borrowers come in the following week and pay off their loans because they needed just a little extra help. Other borrowers take weeks or even months to pay us back. We work with you to decide on the best repayment plan for your unique situation.


How Much Can You Borrow at One Time?

Borrowers often turn to use because they need a small amount of cash and cannot go through a bank. Even if you have a good credit score and an account with a local bank, that bank will generally not loan out smaller amounts. It may even limit you to loans unless you want to buy a new car or home. With our loans, we will base your amount on factors like the amount you bring home with each check and your total expenses without pulling your credit report. Some borrowers take out loans in amounts as little as $50, but others borrow thousands of dollars at one time. We can often get that cash to you the same day that you apply or by the next business day.


How Can You Apply for a Loan?

Thanks to the online application available at, you can now apply for a pay day advance online in minutes. This application asks for your full name, phone number, email address, location you want to work with and the size of the loan you want. Once you apply, we’ll contact you about the length of your loan and the interest charged on your payday loan. You can borrow up to $500 and pay only $14 in interest, though the rate depends on both the size and duration of your loan. We can even deposit the loan right into your bank account. When you apply today, you’ll find out in minutes if you qualify for one of our loans to help you between paychecks.


At, you can get all the money you need between paychecks in less time than you ever expected. Visit our site to learn more about the payday loan process and to fill out our online application for a payday advance.

About the Author:

Mr. Money Mike is the owner of in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel ever since.

Holiday Savings & Prep: Layaways


Here at Money4You, we’re everything about making your monetary life much easier. And with the vacations showing up, that indicates discussing how to pay for all those goodies without breaking the bank. So today, we’re going to talk about layaway plans.

Pros of Layaway Strategies

1. Interest-Free Purchasing
While layaway does come with costs, you won’t be charged interest on your purchases. That can save you a lot of money. For example, expect that you charge a $900 TELEVISION to a credit card with 18% interest. If you take 2 months to pay the total off, you’ll have paid one month’s interest, or $162. This makes the $5 service charge more appealing.

2. Availability of High-Demand Items
Layaway comes in handy throughout the hectic holidays when popular electronic devices and toys can sell out rapidly. Putting a popular product on layaway now guarantees you will have it for the holidays.

3. Offered Online
Some sellers offer layaway for online purchases. That saves you the annoyance of dealing with holiday season shopping, waiting in long lines, or going to a number of shops trying to find a popular product.

4. Easy Acceptance Criteria
Unlike a charge card, layaway programs do not carry out earnings or credit checks before approval. To be eligible for layaway you just require identification revealing that you are at least 18 years of age and enough money for the down payment. Hence, even people with previous credit problems can be eligible for a layaway program.

Cons of Layaway Plans

1. Postponed Gratification
Unlike the majority of purchases, layaway strategies require that you make payments for weeks, or sometimes, even months, before you get access to the product.

2. Fees
Merchants typically charge a cost to put an item on layaway, which is usually quite low. It might however be more than you would pay in credit card interest if you simply charge the merchandise rather, especially for lower cost items. Likewise, if you change your mind later on and choose to drop the plan, merchants will charge a cancellation or restocking fee.

3. Opportunity Costs
With layaways, in order to get your product paid off on time, you may need to start shopping in October, well in advance of a few of the very best sales and discounts of the holiday shopping season.

4. Losing Your Investment
In today’s tough economic environment, it’s not unusual for a retail chain to go bankrupt with little warning (recall CompUSA or Circuit City). If you have a layaway plan established at a store that winds up closing its doors, it will be tough to recover your product or your cash.

Can’t get a layaway? You still have options! An installment loan can help you get back on track.

What if Payday Loans Didn’t Exist?


The payday market’s critics like to accuse lenders of hiding exorbitant interest rates or fees in the paperwork that often snares the most vulnerable clients in a cycle of debt. Excellent payday loan providers clearly disclose their loan terms and conditions, such as the dollar amount of any fees and the APR. Moreover, payday lenders are controlled and monitored by state agencies as well as the new federal Consumer Financial Protection Bureau (CFPB). However, there’s no denying that payday lenders have a terrible reputation. So what if we just got rid of them completely?

If Payday Lenders Disappeared Completely

Even those who loathe the industry confess it satisfies a consumer demand. Roughly 12 million Americans take out a payday advance loan each year, spending more than $7 billion, according to the Pew Charitable Trusts. What then will people who are underbanked do? Well, let’s look at their options:

  1. BANKS: Critics and the CFPB have been quite public in saying the very best option would be for traditional banks, with all their regulations, to take over payday lending. Banks are easily accessible, have plenty of money, and can make loans at much lower interest rates and still be successful. However, payday advance loans are seen as very risky and costly. The expenses for underwriting and processing such small loans would eat into banks’ profits despite the high rate of interest they carry. So banks aren’t interested.
  2. CREDIT UNIONS: There are currently some experimental options going on to attempt to replace payday loans. One program offered through credit unions is called the Payday Alternative Loan (PAL), where a client can obtain a loan under $1,000 at 28% interest and a flat charge of $20. But interest in the program has been restricted. The federal regulator for the PAL program approximates only 20% of cooperative credit unions supplied such loans and the total loans made only added up to $123.3 million last year, which is nothing compared to the roughly $7 billion the mainstream payday lending market performed in the same year. What will everyone else do for short term loans?
  3. PAWN SHOPS: A 2015 Cornell University study discovered that states that prohibited payday advance loans saw more activity at pawn stores and more bank accounts being closed involuntarily, probably due to individuals over-drafting their accounts. However, pawn shops still charge high interest rates, so they don’t offer an improvement over payday loans. They just change the legalities.

How Payday Loans Help

Payday loans aren’t people aren’t looking for a hand-out. They need to have a job, a checking account, and proper identification. Most of them work hard to handle their finances so that all their obligations are met. But when something unforeseen appears, such as a flat tire, an unexpected illness, or a desperate home repair, they need help.
Some rely on loved ones or pals for help in a crunch. But when that isn’t enough, they face the terrible choice of deciding what will hurt the least: losing their home, their car, their job, or their electricity. Payday loan providers offer a better way out.

Critics of payday lending mention the high rate of interest they charge. A $15 fee on a $100 advance for two weeks amounts to a 391% yearly interest rate. That’s huge when considered as an annual rate, but keep in mind that these loans only last a few weeks. It’s likewise significant that the interest on a typical payday advance is much lower than the fees for a bounced check or a late mortgage or credit card payment.

The truth is that millions of Americans have an extremely beneficial experience with the short-term lending item, and that’s why the industry has survived so long.