1st Choice Money Center

1st Choice Money Center is a Utah-based loan company that specializes in quick loans for people with a short-term need of extra cash. The company has been in business offering a variety of fast loans for Utah residents for eight years, and does not require background credit checks for their loan services, a bonus for customers with bad credit seeking loans. They offer loans of as little as $50, to be deposited in your bank account in 24 hours, and no waiting for your loan application to be reviewed and approved. The requirements are relatively simple and standard for most quick loan companies. The customer needs to hold a full-time job, a checking account that has been open for at least 3 months, and a valid I.D. (such as a driver's license).

The customer has great flexibility in the type of loan he can get. 1st Choice Money Center provides loans up to 20% of the customer's monthly take home pay, for any number of days between 1 and 60. The customer can choose between a payday loan, an installment loan, and a title loan, and once he picks the duration and amount of his loan, his loan fee and other rates are computed automatically for his review. Annual Percentage Rates are listed in a chart for easy review in the customer's own time. If the customer finds they are satisfactory, he can get his loan through the secure application process quickly and with fast results. He can get instant cash through in-store applications and usually within 24 hours through an online application, as long as the application is made before 2:00 PM on Mondays through Thursdays. Requests made after 2:00 PM during the week, or on Friday after 2:00 PM, or on the weekends will be approved on Tuesday of the following week.

When the time comes to repay the loan, the customer has several options. Usually, 1st Choice Money Center will automatically withdraw the required payment from your checking account electronically on the due date, but the customer can opt for other payment plans. The simplest alternative is to pay in cash at any of 1st Choice Money Center's locations, on or before the due date. This has the added bonus of allowing the customer to pay back the loan earlier than the set due date, if he can. No extra interest will be charged; he only needs to pay the interest accrued while he had the loan money. If the customer still cannot pay off the loan by the due date, 1st Choice Money Center offers the possibility of an extension on the loan for a few extra days until the customer can get the required cash. As long as the extension request is made before the time of the due date (at least 2 days prior to the due date, if the request is filed online), 1st Choice Money Center will usually grant the request once the customer pays at least enough back to cover the interest he has accumulated. The additional interest during the extension period will be higher, so 1st Choice Money Center recommends that the customer try to pay off as much of the debt as possible to avoid running up extra interest.

Finally, 1st Choice Money Center uses SSL (Secure Socket Layer) technology for protection of their customer data. All information transferred through the Internet from customer applications is encrypted and safe from fraud. Customers should take care to read the Terms and Conditions page as well as the Privacy Notice to ensure they understand the legal details of loan applications and Internet financial transactions. 1st Choice Money Center promises that all non-public personal information about their customers will remain confidential from third parties, and even takes steps to maintain the internal security and privacy of the customer. All necessary steps are taken to protect the financial and personal information of their customers.

If the customer finds it more convenient, he can also apply in person at any of the 15 store locations, including Salt Lake City, Taylorsville, Tooele, Provo, and Kearns. Customers can simply call 1-877-CASH-365 to contact a 1st Choice Money Center representative, or visit the website at www.easymoneyutah.com to browse the list of available stores to find one near him. The email address for information is info@easymoneyutah.com, and there is an online form for general inquiries. Addresses and phone numbers are listed for each local store, or he can apply online from the comfort and convenience of his own home.