Desert Rock Capital is a Utah-based lender offering personal installment loans with no credit check and no collateral required. Loans are structured with predictable biweekly payments over up to 36 biweeks and no balloon payments. There are no prepayment penalties, allowing early repayment after 2 weeks, 2 months, or anytime during the full term. Locations include Salt Lake City, Orem, Provo, and St. George.