While credit scores are essential, it's still possible to get an unsecured loan with bad credit with online lenders like Jora. Money Fit helps Salt Lake City residents find debt relief through trusted, nonprofit services.Unlike other online secured loans for bad credit that use a car or home as collateral, secured credit cards use a cash deposit. It will be hard to qualify for debt consolidation loans in Utah with bad credit. We are ok with bad credit, no credit, bankruptcy, divorce, and debt. CreditNinja provides fast, same-day funding options for individuals with low or bad credit. In Utah, many credit counseling and debt management programs are free. Utah residents who need debt relief have several options. Finding an emergency loan with bad credit and guaranteed approval is not possible, but qualifying for a fast loan with a bad credit score is! Title loans are secured loans where borrowers use their vehicle title as collateral.