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Best Online Short-term Loans in Ankeny

Need quick cash to cover unexpected expenses? Short-term loans can be your lifesaver! You're not alone when emergencies pop up and your paycheck isn't enough to cover them. This is where our Best Cash Advance Short-term Loans step in to offer a fast and easy solution to your financial challenges. Avoid the stress of financial shortfalls and get the money you need quickly. With our straightforward process, securing a short-term loan has never been easier. Rely on us for the peace of mind and financial flexibility you deserve!

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Best Online Short-term Loans in Ankeny

Direct Bad Credit Loans
Loan agency
5.00
3 reviews

Address: 2413 SE Delaware Ave, Ankeny, IA 50021

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (515) 585-8783

Website: directbadcl.com/locations/ankeny

Services:

Installment loans Payday loans Signature loans Bad Credit Loans Loans Personal Loans No Credit Check Loans Online Loan Personalised Service Short-Term Loan Unsecured Loans
Advance America
Financial institution
5.00
10 reviews

Address: 115 N Ankeny Blvd, Ankeny, IA 50023

Phone Number: +1 (515) 963-9366

Services:

Business loans Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repair Loans Consumers Loans Credit Counseling Credit Reporting Debt Management Electronic Bank Emergency Loans Expanded Loan Financial Plan Financial Services Fund Transfer Home Loans Money Orders Money Services Money Transfer Service Moneygram® Services Netspend® Visa® Prepaid Card New Loan Online Cash Advances Online Lending Online Loan Application Online Personal Loan Personal Finances Refinance Loan Refinance Options Short Term Loan Single Repayment Loan Small Loans Store Cash Advance Term Lending Vehicle Insurance Wire Transfer
Advance Personal Loans
Loan agency
5.00
7 reviews

Address: 1720 SW White Birch Cir, Ankeny, IA 50023

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (515) 498-3931

Website: advanceploans.com/locations/ankeny

Services:

Installment loans Payday loans Signature loans Loans Personal Loans No Credit Check Loans Online Bad Credit Loans Online Personal Loans Personalised Service Quick Cash Quick Online Loan Short-Term Loan Unsecured Loans
Check Into Cash
Loan agency
4.20
10 reviews

Address: 625 N Ankeny Blvd, Ankeny, IA 50023

Phone Number: +1 (515) 963-0952

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advance Cash Now Cash Today Check Cashing Services Credit Card Credit Solutions Customer Support Dollar Loans Easy Loan Easy Online Lending Financial Services Home Improvements Home Loans Identity Verification In Store Cash Loans Loan By Phone Loan Funds Loan Lending Loan Options Loans Funds New Loan Online Lending Online Loan Application Payment Plan Prepaid Card Quick Cash Quick Money Registration Loan Registration Loans Retail Loans Short-Term Loans Small Loan Store Cash Advance Term Loans Western Union Transfer Money
Network Funding, LP
Loan agency

Address: 1517 N Ankeny Blvd, Ankeny, IA 50023

Phone Number: +1 (515) 965-1707

Alternatives to Short-term Loans in Ankeny

Short-term loans come in various forms, primarily including personal, installment, and title loans. Personal loans are unsecured and typically used for unforeseen expenses, offering flexibility in terms of use and repayment, but they often come with higher interest rates due to the lack of collateral. Installment loans require regular, scheduled payments and are generally tied to a fixed interest rate, making them predictable and easier to budget for over a specified term. Title loans, on the other hand, are secured loans where the borrower uses their vehicle’s title as collateral, providing quick access to funds but posing the risk of losing the vehicle if the loan is not repaid on time. Each of these short-term loan types comes with its own set of benefits and drawbacks, tailored to the borrower's specific financial needs and situations.

Best Personal Loan

Gershman Mortgage - Ankeny, IA
5.00
10 reviews

Short-term personal loans are a popular option for individuals seeking quick access to cash for unexpected expenses or emergencies. These loans are typically unsecured, meaning they do not require collateral, and they have shorter repayment terms compared to traditional loans. One of the best choices in this category is LightStream, known for its low-interest rates and flexible loan amounts that cater to different financial needs. LightStream also offers same-day funding in many cases, making it convenient for borrowers who need immediate access to funds.

Loan Regulations in Iowa

In Iowa, state-wide regulations for short-term loans are in place to ensure fair and responsible lending practices. These regulations include a cap on the maximum loan amount, which is set at $500, aiming to prevent borrowers from entering a cycle of debt. To be eligible for a short-term loan in Iowa, applicants generally need to demonstrate a stable source of income and have an active bank account, with some lenders also considering credit history.

The loan terms are typically short, and often set to align with the borrower's next paycheck, usually within 31 days. When it comes to rates, Iowa regulates the interest and fees that can be charged on short-term loans. The maximum finance charge is $15 on the first $100 loaned and $10 for each additional $100, thus setting a clear framework for borrowers and lenders. These regulations are designed to provide a balance, offering quick financial solutions while protecting borrowers from excessive fees and unmanageable debt in Iowa.

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

Once a short-term loan has been secured, it can be utilized to cover essential expenses from various local service providers, ensuring the swift resolution of urgent needs. For instance, these funds can address medical bills, offer financial relief for necessary legal services, or facilitate car repairs. Additionally, the loan can be allocated towards urgent funeral costs or essential appliance repairs, providing much-needed support in times of immediate financial pressure.

Car Accessories
314 Southwest Pleasant Street, Ankeny, IA 50023
+1 (515) 964-0279
Car Wash
909 East 1st Street, Ankeny, IA 50021
+1 (515) 289-9100
Club & Association
209 East 1st Street, Ankeny, IA 50021
+1 (515) 554-9695
College/University
2006 South Ankeny Boulevard, Ankeny, IA 50023
+1 (515) 965-5488
Community Center
Southeast Lorenz Drive, Ankeny, IA 50021
+1 (515) 965-6485
Dentist
225 Southeast Oralabor Road, Ankeny, IA 50021
+1 (515) 630-1816
Fitness Club & Center
225 Southeast Oralabor Road, Ankeny, IA 50021
+1 (515) 964-5121
General Practitioner
North Ankeny Boulevard, Ankeny, IA 50023
Government Office
1210 Northwest Prairie Ridge Drive, Ankeny, IA 50023
+1 (515) 964-0508
Hospital
311 N Ankeny Blvd, Ankeny, IA 50023
+1 (515) 964-1671
Hotel
2510 Southeast Tones Drive, Ankeny, IA 50021
+1 (515) 644-6164
Library
Southwest District Drive, Ankeny, IA 50023
+1 (515) 965-6460
Local Post Office
121 Southeast Shurfine Drive, Ankeny, IA 50021
+1 (712) 563-3412
Mobile Phone Shop
Southeast Delaware Avenue, Ankeny, IA 50021
+1 (515) 635-3188
Movie Theater
1580 Southwest Market Street, Ankeny, IA 50023
+1 (515) 423-0979

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically repaid within a short period, usually a few weeks to a few months. These loans are designed to meet immediate financial needs and are often used in emergencies or unexpected situations.

Can I get a short-term loan with bad credit?

Yes, many lenders offer short-term loans to individuals with bad credit. Although the interest rates may be higher compared to those with good credit, these loans provide an opportunity for individuals to access funds when they need them most.

What are same-day loans?

Same-day loans are short-term loans that promise quick approval and funds disbursement, often within the same day of application. They are ideal for situations where you need immediate financial assistance and cannot wait for the traditional lending process.

How do short-term loans work?

Short-term loans are a type of short-term loan that is typically due on your next payday. Borrowers write a post-dated check for the loan amount plus fees or authorize an automatic withdrawal from their bank account to repay the loan.

What are the requirements for obtaining a short-term loan?

The requirements can vary by lender, but generally, you need to be at least 18 years old, have a steady source of income, and possess an active checking account. Some lenders may also require proof of identification and contact information.

What are the risks associated with short-term loans?

Short-term loans often come with higher interest rates and fees, which can lead to a cycle of debt if not managed properly. It's essential to read the terms carefully and ensure you can repay the loan on time before borrowing.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in person at a lender's physical location. The application process typically involves filling out a form with your personal, financial, and employment information. After submission, you will receive a decision shortly, often within the same day.

Find Short-term Loans Near Me

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Ankeny ZIP Codes

50007
50021
50023
50073
50226
50313
50317