We loan 50% more & charge 70% less.
Salt Lake City & Ogden · since 2005

Helping Utahns through tight spots — for over twenty years.

Stop paying higher rates — Loans For Less, Salt Lake City and Ogden, since 2005

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.

20+ yrsLoaning to Utahns
$25,000Title loan ceiling
What customers say

Real reviews from real borrowers.

A 4.3-star average across 50+ customer reviews — here’s a recent slice from Google.

4.3 / 5
across Google & Yelp
★★★★★

“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…”

Tyler Christensen · Google · 2 weeks ago
★★★★★

“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.”

Julie Hansen · Google
★★★★★

“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.”

Sarah Davidson · Google · 3 weeks ago
★★★★★

“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!!!”

Elizabeth Caldwell · Google · 1 week ago
★★★★★

“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!”

Shanna Mollett · Google
★★★★★

“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.”

ShawnMory McMillion · Google · 6 days ago
What we lend

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.

Car title loan Up to $25,000

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.

Signature loan Up to $2,500

No title required.

Faster, simpler, smaller. Borrow on your word — rates up to 75% less than check-loan companies.

Auto equity loan On the equity you own

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.

Boat / RV / ATV / Motorcycle Same terms apply

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.

Refinance Up to 75% off

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.

How it works

Three steps. About 10 minutes in the store.

Apply

Online or in person.

Fill out our short application or stop by either store. No credit check is run as part of the application.

Confirm

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.

Cash

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.

Over 20 years in Utah
Two locations SLC & Ogden
~10 minutes in the store
No credit check & older cars OK
What we do differently

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.

Ready to apply?

Get started in about three minutes.

Fill out the short form online or call either location. Same-day decisions when we can; we’ll always tell you straight if we can’t help.