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Best Online Short-term Loans in Alton

Stuck in a financial bind? Short on cash before payday? Our Best Cash Advance Short-term Loans are your quick and easy solution! Unexpected expenses can throw your budget off track, leaving you stressed and worried about how to make ends meet. Don't let financial hiccups keep you up at night. Our short-term loans provide fast funds to cover your immediate needs, freeing you from financial pressure. Apply today and get back on solid ground with our simple, user-friendly service designed to get cash in your hands when you need it most. Your financial peace of mind is just a click away!

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Best Online Short-term Loans in Alton

Sun Loan Company
Loan agency
5.00
10 reviews

Address: 192 Alton Square Mall Dr d, Alton, IL 62002

Today's Business Hours: 8:30 AM - 5:30 PM

Phone Number: +1 (618) 433-2815

Website: sunloan.com/locations/sun-loan-company-alton-illinois-83

Services:

Business loans Flex loans Installment loans Payday loans Signature loans Title loans Appliance Repair Loans Automobile Repairs Bad Credit Loans Car Maintenance Car Repair Loans Consumer Finance Home Appliance Home Repair Loans Lender's Loan Military Lending Monthly Payments Loan Moving Loans Payment Schedule Loan Secured Loan Small Loans Travel Loans Unsecured Loans
Heights Finance
Loan agency
5.00
10 reviews

Address: 228 Regional Dr, Alton, IL 62002

Today's Business Hours: 8:30 AM - 5:30 PM

Phone Number: +1 (618) 462-0139

Website: heightsfinance.com/loan-office-location/heights-finance-in-alton

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Loans Auto Repairs Consolidation Credit Credit Insurance Dealer Financing Disability Insurance Easy Loans Finance Cars Finance Finance Personal Loans Financing Program Fixed-Rate Loans Life Insurance Loan Advisors Local Loan New Loan Property Insurance Quick Credit Refinance My Current Loan
World Finance
Loan agency
4.70
10 reviews

Address: 1752 Homer M Adams Pkwy, Alton, IL 62002

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (618) 465-9330

Website: loansbyworld.com/locations/illinois/alton/62002/1010

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repair Building Credit Car Repairs Current Loan Financial Services Loan Applications Loan Options Loan Payment Plan Local Loans New Loan Pawn Shop Loans Tax Filing Tax Preparation Services Tax Returns
Security Finance
Loan agency
4.20
2 reviews

Address: 1637 Washington Ave, Alton, IL 62002

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (618) 465-6611

Website: securityfinance.com/locations/alton-il-0822

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Financial Solutions Health Insurance Income Tax Preparation Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
OneMain Financial
Loan agency
3.40
10 reviews

Address: 215 E Center Dr d, Alton, IL 62002

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (618) 465-2566

Website: onemainfinancial.com/branches/il/alton/62002/330

Services:

Business loans Flex loans Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loans Moving Loans Emergency Loansmoving Loans Family Support Financial Loans Financial Protection And Innovation Funeral Loans Higher Loan Home Improvements Housing Counselors Loan Calculator Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Loans Mortgage Originated Mortgage Payment Motor Vehicle Motorcycle Loans Payment Plan Personal & Auto Loans Personal Finance Personal Loans Online Real Estate Mortgage Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Tax Returns Total Finance Unsecured Loan Unsecured Loans Vacation Loans Wedding Loans
OneSource VIP Services
Financial institution

Address: 2710 College Ave Suite B, Alton, IL 62002

Phone Number: +1 (618) 744-0330

Website: onesourcevipservices.com

Services:

Affidavit & oath notarization Business tax preparation E-notary services General notary document preparation Notary legalization services Notary signing services Tax planning Wills & trusts notarization Amended Tax Return Bookkeeping For Small Businesses Business Consulting 30 Minutes Business Documents Client Servicing Credit Repair Credit Restoration Debt Consolidation DemLetter Employment Verification Graphic/Web Design Health Care Immigration Application Living Trusts Llc File Mobile App Mobile Notary Services Notaries Travel Paternity Affidavits Payment Plan Picture Identification Card Proof Of Residency Retirement Plan Structured Settlements Tax Preparation Tax Refunds Travel Agent Unemployment Compensation V I N Verification Will Prepare
America 1 Funding
Loan agency

Address: Alton, IL 62002

Today's Business Hours: 10:00 AM - 5:30 PM

Phone Number: +1 (618) 208-4384

Alternatives to Short-term Loans in Alton

Short-term loans are financial solutions designed to address immediate cash needs, typically with repayment terms under one year. Personal loans offer quick funding without requiring collateral and can be used for a variety of purposes, although they often come with higher interest rates due to their unsecured nature. Installment loans are repaid over a set period with regular payments, providing a structured payoff plan that can help with budgeting, with terms often ranging from a few months to several years. Title loans, secured by the borrower's vehicle title, allow for quick access to funds but carry the risk of losing the vehicle if the loan is not repaid, and these typically have high interest rates and short repayment durations.

Best Personal Loan

Regional Finance
5.00
4 reviews

Personal loans are a popular type of short-term borrowing option typically used for consolidating debt, covering emergency expenses, or financing major purchases. These loans are unsecured, meaning they don't require collateral, and are offered by banks, credit unions, and online lenders. The best personal loans often come with competitive interest rates, flexible repayment terms, and no additional fees, making them suitable for individuals looking to borrow smaller amounts with manageable repayment plans.

Best Installment Loan

USA Mortgage
0.00
0 reviews

Installment loans, another form of short-term borrowing, require the borrower to repay the loan amount in fixed monthly payments. The top option for these loans typically comes from lenders that prioritize transparency, with clearly defined terms and reasonable interest rates. It's advantageous to choose institutions with positive customer service reputations to facilitate any necessary communications throughout the repayment process. Peer-to-peer lending platforms have emerged as a competitive alternative to traditional installment loan sources, offering potential borrowers lower rates due to lower overhead costs.

Best Car Title Loan

Community Title & Escrow Ltd
4.60
10 reviews

Title loans cater to borrowers who own a vehicle outright and are willing to use it as collateral. A favorable option for the best title loan is a reputable auto title loan that offers competitive interest rates and transparent terms. Such loans allow borrowers to leverage the equity in their vehicle while continuing to drive it. However, it's important for borrowers to assess their ability to repay, as failure to do so could result in the loss of the vehicle.

Loan Regulations in Illinois

Illinois short-term loan regulations are designed to protect consumers while offering them accessible short-term financial solutions. The state laws cap short-term loan amounts at $1,000 or 25% of the borrower's gross monthly income, whichever is less, to prevent borrowers from taking on unmanageable debt. The maximum term for a short-term loan in Illinois is 120 days, providing more flexibility compared to many other states.

Regarding the costs, lenders are restricted to charging a maximum of $15.50 per $100 borrowed, with a $1 verification fee. Eligibility criteria for these loans generally include proof of income, a bank account, and valid identification. These regulations ensure a balanced approach, providing immediate financial assistance to those in need while safeguarding them from excessive debt and predatory lending practices.

Short-Term Loan Calculator

day(s)
%
$

Estimated Payment

$327.12
Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Where to Use Short-term Loan

Short-term loans can be a practical solution for covering unexpected expenses across various local service sectors. Borrowers may use these funds to address urgent medical bills, essential car repairs, legal fees, funeral costs, or necessary appliance services. This financial option can provide immediate relief and support during pressing situations.

Car Repair and Service
912 Milton Road, Alton, IL 62002
+1 (618) 477-8178
Car Wash
2519 Washington Avenue, Alton, IL 62002
+1 (618) 462-4415
Club & Association
405 East 4th Street, Alton, IL 62002
+1 (618) 465-6913
Concert Hall
2450 Henry Street, Alton, IL 62002
Do-It-Yourself Centers
Homer M. Adams Parkway, Alton, IL 62002
+1 (618) 465-5803
Doctor
3 Professional Drive, Alton, IL 62002
+1 (618) 465-7177
Fast Food
2994 Homer M. Adams Parkway, Alton, IL 62002
Government Office
1211 Henry Street, Alton, IL 62002
+1 (618) 463-3551
Hospital
1 Memorial Drive, Alton, IL 62002
+1 (618) 463-7305
Hotel
1800 Homer M. Adams Parkway, Alton, IL 62002
+1 (618) 465-8885
Library
250 Washington Avenue, East Alton, IL 62024
+1 (618) 259-0787
Local Post Office
200 Smith Avenue, East Alton, IL 62024
+1 (800) 275-8777
Museum
829 East 4th Street, Alton, IL 62002
+1 (618) 433-2631
Pharmacy
2524 State Street, Alton, IL 62002
+1 (618) 466-5633
Rent-a-Car Facility
650 West Saint Louis Avenue, East Alton, IL 62024
+1 (618) 259-7881

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically designed to be repaid in a short period, usually ranging from a few weeks to a few months. It is often used for urgent financial needs and can be accessed quickly compared to long-term loans.

Can I Get a Short-Term Loan with Bad Credit?

Yes, you can get a short-term loan even if you have bad credit. Many lenders specialize in offering loans to individuals with less-than-perfect credit. However, these loans may come with higher interest rates and fees to offset the risk for the lender.

What Are Same-Day Loans?

Same-day loans are designed to provide borrowers with quick access to funds, often within the same day of application. These are typically short-term loans, such as short-term loans, where the lender expedites the approval and disbursement process to meet urgent financial needs.

What Are Short-term Loans?

Short-term loans are a type of short-term loan that typically must be repaid by your next payday. They are often used for emergency expenses and are known for their fast approval process. However, they can carry high fees and interest rates, so it’s important to use them sparingly and responsibly.

What Are the Interest Rates for Short-Term Loans?

Interest rates on short-term loans can vary widely depending on the lender and the borrower’s credit profile. They are usually higher than traditional loans due to the increased risk for the lender. It’s advisable to compare different lenders and read the terms carefully before agreeing to a loan.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person with a financial institution or a direct lender. You will typically need to provide personal identification, proof of income, and bank details. Once the application is reviewed and approved, funds are usually disbursed quickly.

What Are the Risks of Short-Term Loans?

Short-term loans can be risky due to their high costs, including high interest rates and fees. If you are unable to repay the loan on time, you could face additional fees and a negative impact on your credit score. It’s crucial to borrow only what you need and can afford to repay.

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Alton ZIP Codes

62002
62018
62035