Home page Arkansas City

Best Online Short-term Loans in Arkansas City

Need cash and can’t wait for payday? Short-term loans are your quick fix. Life’s unexpected expenses can be a real headache. But fret not! Our Best Cash Advance Short-term Loans service steps in to save the day, providing you with fast and hassle-free access to funds when you need them the most. Don’t let money troubles weigh you down—get back on your feet in no time. With us, solving financial hiccups is simple and stress-free. Explore our services today and experience the convenience of timely financial support.

Table of content
Jump to

Best Online Short-term Loans in Arkansas City

Helping Hand Quick Cash
Loan agency

Address: 2401 N Summit St Suite C, Arkansas City, KS 67005

Phone Number: +1 (620) 442-8999

Website: helpinghandquickcash.com

Services:

Business loans Installment loans Line of credit Payday loans Quick Cash

Alternatives to Short-term Loans in Arkansas City

Short-term loans can be broadly categorized into personal, installment, and title loans, each serving distinct financial needs. Personal loans are unsecured loans that generally do not require collateral and may be used for various purposes, from consolidating debt to unexpected expenses, offering flexible terms. Installment loans, similar to personal loans, are usually repaid in fixed payments over a short period and often come with fixed interest rates, making them predictable and easy to budget for. Title loans, on the other hand, require the borrower to use their vehicle title as collateral, often providing quick access to cash but typically carry higher interest rates and risk of repossession if not repaid on time. Each loan type has its advantages and considerations, making it essential for borrowers to assess their financial situation and repayment ability before committing.

Best Personal Loan

The Stock Exchange Bank
5.00
2 reviews

One of the best options for a personal short-term loan is a payday loan. Payday loans are unsecured loans that offer quick cash infusion, usually intended to be paid back on the borrower’s next payday. These loans are appealing for those who have an urgent, short-term financial need and do not have access to other credit options. However, they typically come with high interest rates and fees, making them an expensive form of borrowing if not paid back quickly.

Best Car Title Loan

Security 1st Title
0.00
0 reviews

Title loans, which use the borrower's vehicle title as collateral, are another type of short-term loan, typically chosen by those who need quick cash and may not have another borrowing option due to poor credit. One of the best and widely used options for title loans is the single-payment title loan. In this type, borrowers provide the title of their vehicle and receive a loan amount that is a percentage of their car’s value. While these loans offer an easy and fast approval process, they come with high-interest rates and the risk of losing the vehicle if the loan is not repaid on time. Borrowers should ensure they can meet the repayment terms before opting for this type of loan.

Loan Regulations in Kansas

Short-term loans are regulated in Kansas to protect consumers while providing them with quick financial relief. These state-wide regulations stipulate that the maximum loan amount is $500, and the minimum loan term is 7 days, with a maximum term of 30 days. The finance charges for these loans are capped at 15% of the amount borrowed.

To be eligible for a short-term loan, borrowers typically need to provide proof of income, a valid government-issued ID, and an active checking account. The state also requires payday lenders to provide clear terms and conditions in their loan agreements, ensuring borrowers are fully informed about the fees, interest rates, and repayment expectations.

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

After securing a short-term loan, individuals can utilize these funds with various local service providers to address urgent needs. For instance, they can cover expenses related to medical treatments, car repairs, legal consultations, funeral arrangements, and purchasing or repairing home appliances. These essential services allow for immediate action and resolution during unexpected or critical situations.

Car Repair and Service
1112 West Madison Avenue, Arkansas City, KS 67005
+1 (620) 307-5912
Car Wash
501 North Summit Street, Arkansas City, KS 67005
+1 (620) 442-6656
Club & Association
225 East 5th Avenue, Arkansas City, KS 67005
+1 (620) 441-4300
College/University
2575 Greenway Road, Arkansas City, KS 67005
+1 (620) 307-6680
Community Center
615 West Birch Avenue, Arkansas City, KS 67005
+1 (620) 441-4416
Dentist
102 West Kansas Avenue, Arkansas City, KS 67005
+1 (620) 442-1820
Fitness Club & Center
212 West Central Avenue, Arkansas City, KS 67005
+1 (620) 441-0126
Government Office
1407 West Madison Avenue, Arkansas City, KS 67005
+1 (620) 441-4460
Hotel
3232 North Summit Street, Arkansas City, KS 67005
+1 (620) 442-7700
Library
120 East 5th Avenue, Arkansas City, KS 67005
+1 (620) 442-1280
Local Post Office
210 East Washington Avenue, Arkansas City, KS 67005
+1 (620) 442-1080
Mobile Phone Shop
2401 North Summit Street, Arkansas City, KS 67005
+1 (620) 441-0724
Movie Theater
119 West 5th Avenue, Arkansas City, KS 67005
+1 (620) 442-8036
Museum
110 South Summit Street, Arkansas City, KS 67005
+1 (620) 442-5895
Pharmacy
201 South Summit Street, Arkansas City, KS 67005
+1 (620) 442-3500

FAQ

What are Short-Term Loans?

Short-term loans are financial products designed to provide quick access to funds for a temporary financial need. They are often easier to qualify for than traditional loans and typically have shorter repayment terms, often ranging from a few weeks to several months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans often have more flexible credit requirements, which can make them accessible to those who may not qualify for other types of financing. However, it's important to note that these loans may come with higher interest rates due to the increased risk to the lender.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan where the approval and disbursement of funds occur on the same day of application. These loans are particularly beneficial for individuals who need immediate financial assistance for emergencies or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are short-term loans that provide small amounts of money and are typically due on your next payday. These loans are often used for emergency expenses, and the repayment is usually expected in one lump sum. Short-term loans are known for their quick processing times but often come with higher fees and interest rates.

What Are the Eligibility Criteria for Short-Term Loans?

Eligibility criteria for short-term loans can vary by lender, but commonly include being at least 18 years old, having a steady source of income, possessing an active checking account, and providing a valid ID. Some lenders may also evaluate credit scores, although many are willing to work with bad-credit applicants.

How Fast Can I Receive Funds from a Short-Term Loan?

Funds from a short-term loan can often be received as quickly as the same day or within a few business days, depending on the lender and the time of application. Online lenders tend to provide faster turnaround times than traditional financial institutions.

Are There Risks Associated with Short-Term Loans?

Yes, short-term loans can come with several risks, including high interest rates, short repayment terms, and significant penalties for late or missed payments. It's important to fully understand the terms and conditions of the loan before agreeing, and ensure that you can reasonably meet the repayment obligations.

Find Short-term Loans Near Me

Jump to city name:

AbileneAgraAldenAlmaAlmenaAlta VistaAltamontAmericusAndaleAndoverArkansas CityArmaAtchisonAtwoodAugustaAxtellBaldwin CityBasehorBaxter SpringsBazineBel AireBelle PlaineBellevilleBeloitBendenaBenningtonBentonBernBird CityBisonBlue MoundBlue RapidsBogueBonner SpringsBucklinBucyrusBuhlerBurlingtonBurrtonBushtonCaneyCarbondaleCawker CityCedar ValeCentraliaChanuteChapmanCheneyCherryvaleChetopaCimarronClaflinClay CenterClearwaterClydeCoffeyvilleColbyColonyColumbusColwichConcordiaConway SpringsCopelandCottonwood FallsCouncil GroveCourtlandCunninghamDe SotoDentonDerbyDightonDodge CityDwightEastonEdgertonEdnaEdwardsvilleEffinghamEl DoradoElk CityElkhartEllinwoodEllisEllsworthElwoodEmporiaEnterpriseErieEsbonEskridgeEudoraEurekaEverestFairwayFort LeavenworthFort RileyFort ScottFowlerFrankfortFredoniaFrontenacGalenaGalvaGarden CityGarden PlainGardnerGarnettGasGirardGlascoGoddardGoesselGoodlandGorhamGrainfieldGreat BendGreenleafGreensburgGridleyGrinnellGypsumHalsteadHanstonHartfordHarveyvilleHavenHavilandHaysHaysvilleHealyHeplerHeringtonHesstonHiawathaHill CityHillsboroHoisingtonHolcombHoltonHopeHortonHowardHoxieHoytHugotonHumboldtHutchinsonIndependenceIngallsIolaJamestownJenningsJetmoreJohnson CityJunction CityKansas CityKechiKensingtonKincaidKingmanKinsleyKiowaLa CrosseLacygneLakinLancasterLansingLarnedLawrenceLeavenworthLeawoodLeboLenexaLenoraLeonardvilleLeotiLewisLiberalLincolnLindsborgLoganLong IslandLongtonLouisburgLucasLyndonLyonsMacksvilleMaizeManhattanMankatoMaple HillMarionMarquetteMarysvilleMatfield GreenMcconnell AfbMclouthMcphersonMeadeMedicine LodgeMelvernMerriamMiltonvaleMinneapolisMinneolaMissionMission WoodsMound CityMound ValleyMoundridgeMullinvilleMulvaneNatomaNeodeshaNess CityNew StrawnNewtonNickersonNiotazeNorth NewtonNortonNortonvilleOakleyOberlinOfferleOlatheOlpeOlsburgOnagaOsage CityOsawatomieOsborneOskaloosaOtisOttawaOverbrookOverland ParkOzawkiePalmerPaolaParkPark CityParsonsPaxicoPhillipsburgPittsburgPlainsPlainvillePleasantonPomonaPotwinPrairie VillagePrattPretty PrairiePrincetonQuinterRansomRileyRose HillRossvilleRussellSabethaSalinaSatantaScandiaScott CitySedanSedgwickSenecaSeverySharon SpringsShawneeShawnee MissionSilver LakeSmith CenterSolomonSouth HutchinsonSpearvilleSpring HillSpringsSt FrancisSt JohnSt MarysSterlingStilwellStocktonSubletteSylvan GroveSyracuseTescottThayerTonganoxieTopekaTribuneTroyUdallUlyssesUniontownValley CenterValley FallsVictoriaVillageWakeeneyWaltonWamegoWathenaWaverlyWeirWellingtonWellsvilleWestmorelandWetmoreWhite CityWichitaWinfieldWinonaYates CenterYoder

Arkansas City ZIP Codes

67005