Online Loans in Utah




It’s no easy feat to deal with the expenses that sometimes come with an emergency, especially when you don’t have the savings to cover it. If you’re facing this type of situation, an online loan in Utah may be able to help! With a CreditFresh Line of Credit by CBW Bank, Member FDIC, you may be able to qualify for an online loan between $500 and $3,500. While you could face hidden terms and unexpected fees with some online loans in Utah, the terms of a CreditFresh Line of Credit are transparent and straightforward.

The process of submitting a request for an online loan in Utah through CreditFresh is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit. Simply request a draw on your personal Line of Credit from your available credit and the funds can be in your bank account as soon as the next business day!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Loan Amount: $500 to $3,500

Loan Type: Line of Credit

Lender: CBW Bank

Minimum Payment: Billing Cycle Charge + Required Principal Payment

Funding Time: 1 Business Day3

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Benefits of Choosing CreditFresh Online Loans in Utah




Access Credit When you Need it
  • Provides you with the financial flexibility you need to tackle emergency expenses.
  • Have access to your available credit when you need it by requesting a draw online.
  • Funds can be in your bank account as soon as the next business day.

Excellent Customer Service
  • Our dedicated Customer Service team is here to help!
  • You can reach us 7 days a week for any questions relating to our services and/or products offered through the CreditFresh website.
  • We’re here to help you access the funds you need when an emergency strikes.


Transparent, Easy-to-Understand Product
  • Clear repayment terms and no hidden fees.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

CreditFresh Online Loans in Utah – The Details

If you’re in the midst of dealing with an emergency expense that can’t wait but you don’t have an emergency fund in place to cover the costs, an online loan in the form of a line of credit may be the safety net you need to tackle this expense! This could include things like an unexpected auto repair, an emergency medical bill, or an essential home repair.

If you’re looking to submit a request through CreditFresh, click here to submit a request or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $3,500.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed. If you request a draw, funds will typically be deposited into your bank account by the next business day3.

Repayment of Your Online Loan in Utah

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a Periodic Statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your Periodic Statement will show your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your Periodic Statement (see details below); and
  • A required principal payment which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties.

The Cost of a CreditFresh Online Loan in Utah

For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your Periodic Statement.

Billing Cycle Charge Table:

If the “Average Daily Principal Balance” appearing on you Periodic Statement is:

If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:

If you are paid monthly, your Billing Cycle Charge will be:

$0.01 - $9.99 $5.00 $10.00
$10.00 - $249.99 $15.00 $30.00
$250.00 - $499.99 $30.00 $60.00
$500.00 - $749.99 $40.00 $80.00
$750.00 - $999.99 $55.00 $110.00
$1,000.00 - $1,249.99 $70.00 $140.00
$1,250.00 - $1,499.99 $85.00 $170.00
$1,500.00 - $1,749.99 $95.00 $190.00
$1,750.00 - $1,999.99 $105.00 $210.00
$2,000.00 - $2,249.99 $115.00 $230.00
$2,250.00 - $2,499.99 $120.00 $240.00
$2,500.00 - $2,749.99 $135.00 $270.00
$2,750.00 - $2,999.99 $145.00 $290.00
$3,000.00 - $3,249.99 $160.00 $320.00
$3,250.00 - $3,500.00 $175.00 $350.00

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Frequently Asked Questions


What are the minimum requirements to qualify for an online loan in Utah offered through CreditFresh?

In order to request an online loan through CreditFresh, you must:

  • Be of legal age to contract in Utah
  • Be a US citizen or a permanent resident
  • Be a resident of Utah
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the US armed forces and their dependents.

Will I need a bank account to be approved for this online loan in Utah?

Yes, you’ll need to have an active bank account to be approved for this online loan.

Will I need to make an appointment to submit a request for this online loan?

No, you will not. To start this process, simply click here. Submitting a request is simple and may take only a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Are online loans offered through CreditFresh in other states?

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, Delaware, Florida, Illinois, Indiana, Kansas, Kentucky, Michigan, Missouri, Nebraska, Ohio, South Carolina, Texas, and Washington in addition to Utah.

How is a line of credit different than an installment loan?

The main difference between these two types of loans is that a line of credit is a revolving form of credit. What this means is that if you’re approved, you can draw any amount from your available credit, either in small amounts or all at once as needed. As you pay down your balance, you can continue to borrow money when you need it from your available credit. Being able to request draws, repay and redraw as needed may make emergency loans online useful when you’re faced with an unexpected expense.

We’re here to help!

It’s rarely easy to deal with an emergency expense and the decision to submit a request for a line of credit is a big one. If you need more information on the process of requesting an online loan in Utah through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information about the CreditFresh Line of Credit by visiting our general FAQ page.