Need Fast Cash?
Apply for a personal loan. Everyone is approved.
State-issued ID, Social Security card or ITIN, and your last pay stub are all you need to get started.
Locally owned &
operated
Everyone
approved
SSN or ITIN
accepted
Decisions in
minutes
Loyal customers earn
lower rates over time
Not ready to apply? Send us a message
*Fields Are Required
Call (801) 972-6363
We're happy to answer any questions.
The Basics, At a Glance
Approval in minutes-
most decisions happen while you wait
Walk out with cash
no waiting days for funds to clear
SSN or ITIN / Tax ID welcome
choose whichever you have
West Valley City's
Family-Owned Lender
Action Rent To Own and Loans is a small, family-owned business right here on 3500 South. We're not a national chain reading from a script — we're your neighbors. When you walk through our doors, you're talking to real people who live, work, and shop in West Valley City just like you do.
Because we're local and independent, we have flexibility to work with your situation, your schedule, and your budget. We've been helping West Valley families bridge the gap between paychecks for years, and we'd be proud to add you to the Action Family.
Short application. Quick decision. Cash in hand the same day. We respect your time.
Bad credit, no credit, no Social Security number —none of these are dealbreakers. We approve everyone. Bring your SSN or ITIN, and let's talk.
You'll work with the same friendly faces every time. We know our customers by name, and we'll work with you to keep your payments manageable.
Get Your Loan in
Three Simple Steps
Choose the products you need with payments you can afford.
Real Life. Real Solutions.
A personal loan from Action RTO can help with just about any short-term financial need. There's no judgment about how you use the money — it's yours to handle however you need to. Common reasons our West Valley City neighbors come to us include:
- Car repairs and unexpected vehicle expenses
- Utility bills, rent gaps, or catching up on past-due accounts
- Home repairs and emergency household expenses
- Bridging the gap between paychecks
- Holiday, birthday, or back-to-school expenses
- Travel for family emergencies
- Medical or dental bills
Easy Requirements,
Easy Approval
We've kept our application requirements as simple as possible. Just bring these three things and we'll take it from there:
- A valid state-issued photo ID
- Your Social Security card
OR ITIN / Tax ID number - Your most recent pay stub
Proudly Serving West Valley City and the Salt Lake Valley
Our store on 3500 South is convenient for residents across the Salt Lake Valley. We regularly help neighbors from:
- West Valley City
- Kearns
- South Salt Lake
- Salt Lake City
- Magna
- Murray
- Taylorsville
- West Jordan
Frequently Asked Questions
Most of our customers are approved within minutes and walk out the same day with cash in hand. The whole process — from filling out the application to getting your money — usually takes less than half an hour.
No. We approve everyone. Bad credit, no credit, past bankruptcies — none of it disqualifies you. We look at your situation today, not your history.
Yes. We accept either a Social Security card or an ITIN / Tax ID number. You don't need a Social Security number to get a loan with us.
Just three things: a state-issued photo ID, your Social Security card or ITIN, and your most recent pay stub. That's the whole list.
Our APRs range from 59% to 650%, with the rate you receive based on the loan terms and your customer history with us. Long-term customers who pay on time earn lower rates over time — make three consecutive on-time payments and your rate goes down. We'll walk you through the exact rate, fees, and payment schedule before you sign anything.
Yes. We reward on-time payments. After three consecutive on-time payments, your rate is lowered, and continued on-time payments can lower it further. Many of our long-term customers borrow at our lowest rates.
We're at 2111 W 3500 S in West Valley City, UT 84119. Give us a call at (801) 972-6363 to confirm hours.
You're welcome to call us at (801) 972-6363 with any questions. To complete your application and pick up your funds, you'll need to stop by the store with your documents.
Rates, Terms & Examples
Upon approval, loan amounts can range from $5 - $5,000
APR range: 59% to 650%. The APR you receive depends on loan terms and customer history. Rates and terms vary for new customers versus long-term customers, and on-time payments lower your rate over time.
Sample loan amounts
(one-week term):
-
$500 loan at 59% APR
approximately $5.77 in interest for one week -
$500 loan at 651.79% APR
approximately $62.50 in interest for one week
These examples are for illustration only. Your actual rate, payment, and terms will be disclosed in writing before you sign your loan agreement.
Utah Consumer Lender License #151212