“I have been going to this location for short-term loans for the past 20 years! Monica and her team have always been exceptional and extremely easy to work with. They’re always going the extra mile and putting extra effort into making sure…”
Helping Utahns through tight spots — for over twenty years.
Loans For Less makes title loans, signature loans, and auto equity loans simpler and friendlier. Two Utah locations, no credit check, and a long-standing promise: lower rates than the competition.
Real reviews from real borrowers.
A 4.3-star average across 50+ customer reviews — here’s a recent slice from Google.
“I have dealt with this company for about 4 years now. Monica and Valerie are the best. I am on my 3rd loan and I will never go any place else. They have worked with me on many issues and I could not appreciate them more. Thanks ladies for all you do. You are appreciated.”
“Loans for Less has been a godsend. I’m on my second loan in a year. Valerie is so helpful and kind. The payments are reasonable and the service is quick. I highly recommend.”
“This is an amazing company to work with. Loans for Less came in such a time of personal need for me & they have saved me over & over again!! Great rates on title loans and they work with you if you get in a pinch!!!”
“I’m thoroughly impressed with Loans for Less — their efficient processing, friendly demeanor, and commitment to being available whenever I need them make them stand out!”
“Valerie was exceptionally nice and professional, and they made the process so easy and pleasant. It’s a great option if you have a short-term need.”
The right loan for the situation.
Three loan types. Two Utah locations. Loans against cars, trucks, boats, motorcycles, RVs, ATVs — or simply against your signature.
Use your title as collateral.
Up to 75% of book value. No credit check. Keep driving your vehicle. Already have a title loan? We’ll pay it off for up to 75% less.
No title required.
Faster, simpler, smaller. Borrow on your word — rates up to 75% less than check-loan companies.
Still paying off your car?
We can pay off your existing auto loan from your bank, credit union, or finance company and lend you the equity in the vehicle.
Beyond cars and trucks.
If you own the title, we can probably lend on it. Bring the title and we’ll let you know on the spot.
Caught in a higher-rate loan?
We pay off existing title loans regularly. Walk in with the paperwork and we’ll quote a lower rate or tell you straight that we can’t.
Three steps. About 10 minutes in the store.
Online or in person.
Fill out our short application or stop by either store. No credit check is run as part of the application.
We’ll call you back.
We’ll confirm your loan amount over the phone and let you know if we need anything else before you come in.
Bring the vehicle & sign.
Bring your vehicle to the store, sign the paperwork, and leave with cash in about 10 minutes. You keep the vehicle.
Our model isn’t built on default fees.
Title lending has a reputation. We’ve spent over twenty years building ours in the opposite direction.
Lowest possible rate, always.
Our brand promise since day one. Bring a competitor’s quote and we’ll compare in writing.
We want you to pay us back.
Our model is not based on expecting people to default and being able to charge more fees or repossess a car.
Up-front, fair, and honest.
You get the terms in writing before you sign anything. No surprise fees, no fine-print traps.
Respect, every visit.
You may need a loan today; that doesn’t change how we treat you. Every customer, every time.