What types of loans do you offer?

We offer hard money loans, including apartment building loans, bridge loans, commercial building loans, and more.

How quickly can I receive funding?

Funds are typically available within days of approval.

Is a high credit score required for hard money loans?

No, many hard money lenders do not require high credit scores.

What documentation is needed for a hard money loan?

While some documentation is required, it is typically less extensive than traditional loans.

What loan products does Granite Loans offer?

Granite Loans provides installment signature loans with a simple application process, which can be completed online or over the phone.

What is an installment loan?

An installment loan is a sum of money borrowed from Granite Loans that is repaid with interest through equal payments.

What is a Signature Loan?

A signature loan allows you to obtain a personal loan based on your signature and proof of income, up to $1,000, with terms up to 180 days.

How soon will I get my money?

Once your application is approved by 6 p.m. ET, funds can be electronically deposited the next business day.

What are the primary requirements to obtain a loan?

You must be at least 18 years old, a U.S. citizen or Permanent Resident, a Utah resident, currently employed or have steady income, and have a bank account.

Granite Loans does not charge an application fee, and all fees are disclosed during the application process.

How do I sign my loan agreement?

You can sign your loan agreement by logging into your account and reviewing the agreement.

What kind of bank account is required to apply for a loan?

A bank account that accepts ACH transfers is required for applying, but other funding methods may be available.

How do I know if I am approved?

You will be notified of your approval status after your application is reviewed.

Are loans with Granite Loans secure and confidential?

Yes, all transactions are conducted on secure servers, ensuring complete confidentiality of your information.

Can I cancel my loan?

Yes, you can cancel your loan without penalty within 3 business days after the effective date by contacting Customer Care.

How often will my payments be due?

Payments are typically due bi-weekly, aligned with your pay cycle.

What if I pay late or miss a payment?

You should contact Customer Care as soon as possible for assistance.

How do I make an early payment?

You can make early payments without penalties; simply contact Customer Care.

How do I payoff my loan in full?

You can pay off your loan in full at any time without penalties, via Customer Care or your online account.

Tips for short-term installment loan borrowers?

Consider budgeting your paycheck, paying down the principal, and being aware of your loan length to minimize financing costs.

How can I be sure that I am getting a good price for my gold?

Utah Gold Buyers provides a live gold and silver feed on our website so you can see the current rates.

How do I determine what karat my gold is?

Gold jewelry is usually engraved with its karat, indicating the percentage of gold. We also have equipment to check the purity.

Do all Salt Lake City gold buyers pay the same?

No, prices can vary significantly among buyers, and few pay top dollar for gold and silver.

How and when do you pay for the gold?

After assessing the weight and purity, we make a cash offer. If accepted, we also collect identification and provide immediate cash.

How is gold purity determined?

Purity is measured in carats, with 24 karat gold representing 99.9% pure gold. We evaluate it using specific measurements.

How do I find what the price of gold is today?

You can check our live prices on the website or call us for an up-to-date quote.

How many karats is pure gold?

Pure gold is defined as 24 karats and can be further refined to specific fineness levels.

What must I do to sell my gold?

Visit our store with a valid ID and the gold items you wish to sell; we're happy to provide estimates and directions.

Will I get more for gold if it has diamonds in it?

Yes, we offer better prices for gold with diamonds, estimating small diamonds at around $70 per carat.

What is your return policy?

We offer a 30-day return policy for all items.

Do you offer any warranties on your products?

Yes, we provide a free lifetime warranty on all our jewelry.

Can I order customized jewelry?

Yes, we offer customization services for special designs.

What are the requirements for a title loan?

You must be 18 years or older, own the vehicle outright (no liens), and the vehicle must be in working condition.

How quickly can I get my loan funds?

Most borrowers receive their loan funds within a day of applying.

Is my credit score an issue for approval?

No, credit checks are not the sole basis for approval since the loan is secured by the vehicle.

Can I pay off my loan early?

Yes, there are no prepayment penalties.

What types of items can I pawn?

You can pawn a variety of items including jewelry, electronics, tools, and collectibles.

Do I need good credit to get a pawn loan?

No, pawn loans do not require a credit check, making them accessible for anyone.

What are the store hours?

Our store hours are Monday to Saturday from 9 AM to 6 PM and Sunday from 11 AM to 5 PM.

How can I apply for a title loan?

You can apply for a title loan online by visiting our website, calling us, or coming into one of our locations.

What documents do I need?

Typically, you will need your vehicle title, a valid ID, and proof of income.

How quickly can I get my funds?

Most customers receive their funds within the same day of approval.

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