Call us at 435-787-8208 Instant Deposit onto your Debit Card - Click here to Apply Now
  • New!
    Same-day deposit available

  • Instant Decision - Receive an immediate decision

  • Quick Application - Apply online in minutes

With a line of credit, you apply only once and can draw up to your available credit limit, repaying principal, interest and fees based on how much you’ve drawn.

When you need more funds, you can draw up to your available credit limit without reapplying.

No Paperwork. No Faxes. No Credit Checks

  • #1

    Apply in less than 5 minutes

  • #2

    Receive an instant lending decision. Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documentation like proof of income.

  • #3

    If approved, receive a credit limit and draw money from your line of credit — you can draw as many times as you want, whenever you want, up to your available credit limit (minimum $50 draw).

  • #4

    Request a draw and you will generally receive funds that same day.

  • #5

    Repay gradually over time or in full. Every billing cycle, you will have a minimum payment. You can pay more with no penalty in order to repay more quickly.

  • #6

    Increase your available credit as you repay, freeing up funds to draw, up to your credit limit.

  • #7

    Draw from your available credit whenever you need funds.

When you need emergency funding, you want an online lender with a proven track record. We have been in business here in Utah for 22 years.

Your Cash Loan Is Waiting

About Us

Fill out the form or stop by our Instant Cash Flow office at 630 S Main, Suite 120, Logan, Utah 84321.

Line of Credit Loans that help get your balance paid off. Whether you are looking Fast Cash Loans, Payday Loans, Online Loans, Cash Advance, Short Term Loans, or to Get Money Fast, is the place to get cash you need today.

We want you to pay off your loan and get yourself back on your feet. If you need us again, we’ll still be here.

Credit Limit:

$100 – $1,500

Late Fee:

If a minimum payment is 10 days late, you will be charged a $35 fee.

Transaction Fee:

When you draw, you will be charged 15% of the amount drawn.


Our interest rates are 35.99% APR. Minimum repayment period is 65 days and maximum repayment period is 365 days. An example of a 12 payment plan on a $100 loan, paid monthly, would be $10.05. We are not a payday lender.

You are only charged interest for the days you have the loan, therefore if you pay off early, it will be cheaper. This is a huge savings and benefit for our customers when comparing to our competition. Also, each payment you make goes towards interest and principal. is a better way to borrow extra cash. It’s not a payday loan. It’s an installment loan, which means you pay down the principal with each on-time payment. Borrow $100 to $1,500 and pay us back a little at a time.


We keep your personal data safe and secure.

We ask for some personal information when you apply with us, because we need to make sure that you’re you! But we also understand you may have concerns about the security and sharing of your data.

We keep your personal data safe and secure.

Payday loans, Cash Advance, Installment Loans, Line of Credit, Fast Cash, Online Security

Instant Cash Flow, Inc. is the parent company to and