CASH 1 offers loans for bad credit or no credit in Utah. An unsecured business startup loan may allow small business owners to get financing with bad credit and no collateral.Learn more about the options. If you have bad credit, finding a loan may be difficult. You may be able to get business loans with bad credit, but it might be more expensive to borrow. Learn more about your options. Desert Rock Capital specializes in signature loans for people that have bad credit, no credit, and past bankruptcy. Be on your way to easy fast cash. Happy Money is the best personal loan lender for bad credit in Utah, offering a MoneyGeek score of 94 out of 100. In general, you'll need to have a credit score of 620 or above and meet other qualifying factors.