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Best Online Short-term Loans in Balch Springs

Running low on funds can be stressful! When unexpected expenses arise or payday seems too far away, short-term loans could be your lifeline. These quick cash advances are designed to offer you fast access to money right when you need it most. But finding the right lender can be overwhelming and full of hidden pitfalls. That's where we come in! Our "Best Cash Advance Short-term Loans" service ensures you get the cash you need with terms you can trust. Navigate financial emergencies effortlessly and regain your peace of mind today!

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Best Online Short-term Loans in Balch Springs

World Finance
Loan agency
5.00
10 reviews

Address: 4101 Pioneer Rd Suite 200, Balch Springs, TX 75180

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

Phone Number: +1 (972) 287-4181

Website: loansbyworld.com/locations/texas/balch-springs/75180/1613

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
ACE Cash Express
Loan agency
4.80
18 reviews

Address: 11923 Elam Rd Ste 102, Balch Springs, TX 75180

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

Phone Number: +1 (972) 913-5342

Website: acecashexpress.com/locations/texas/balch-springs/1816

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money orders Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Tax Services Business Services
Cliff's Check Cashing #9
Check cash
4.30
4 reviews

Address: 11401 Elam Rd, Balch Springs, TX 75180

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (972) 557-2274

Website: cliffscheckcashing.com

Services:

Bill paying Cashier's checks Installment loans Money transfers Payday loans Auto Insurance Cash Advance Cash For Gift Cards Credit Card Currency Exchange Debit Cards Moneygram Wire Transfer Prepaid Card Quick Loan Workers Comp

Alternatives to Short-term Loans in Balch Springs

Short-term loans offer financial solutions for urgent needs and come in various forms such as personal loans, installment loans, and title loans. Personal loans are unsecured and can be used for various purposes, often with higher interest rates due to the lack of collateral. Installment loans allow borrowers to repay the borrowed amount in fixed monthly payments over a specified period, making budgeting easier. Title loans require the borrower to use a vehicle as collateral, enabling quick access to funds but also posing the risk of losing the vehicle if the loan is not repaid. Each type caters to different financial situations and borrowing needs, offering flexibility but often at a higher cost compared to traditional loans.

Best Personal Loan

CashMax Title & Loan
4.70
10 reviews

Short-term personal loans are designed for individuals needing quick access to funds for personal expenses. They usually have a short repayment period, often ranging from a few weeks to a year. These loans are generally unsecured, meaning they don't require collateral, but as a result, they may come with higher interest rates compared to secured loans. Ideal for unexpected expenses or small cash flow needs, they provide flexibility and ease, making them a popular choice for those who can repay the loan quickly.

Best Installment Loan

B & B Pawn #2
4.00
10 reviews

For installment loans, a leading option combines both manageable terms and broader access to funds. These loans are characterized by their structured repayment plans, where the borrower pays back the loan amount in equal installments over a predetermined period, which can range from a few months to a couple of years. This setup helps in making budgeting easier for borrowers, as they know exactly how much they need to pay each month. Installment loans are typically chosen by individuals who require a larger amount than what is available via payday loans and prefer a more predictable and manageable repayment schedule.

Best Car Title Loan

TitleMax Title Loans
5.00
89 reviews

Title loans are a unique short-term loan type where the borrower provides their vehicle's title as collateral. These loans are generally quicker to obtain due to their secured nature, as lenders are more willing to offer them even to those with poor credit. The best title loans often offer low-interest rates and give borrowers the flexibility to maintain usage of their vehicle while repaying the loan. Borrowers should, however, remain cautious as defaulting on the loan could lead to repossession of their vehicle.

Loan Regulations in Texas

In Texas, short-term loan regulations are designed to protect consumers while providing access to quick funds. State-wide regulations govern the rates, terms, and eligibility criteria for these loans. The maximum amount that can be borrowed is not specifically capped in Texas, allowing lenders some flexibility in the loan amounts offered. However, the law does stipulate that the term of a short-term loan cannot exceed 180 days. Regarding rates, Texas does not have a specified maximum annual percentage rate (APR), leading to higher costs compared to some other states. Borrowers must be 18 years or older, have a valid ID, and provide proof of income to be eligible.

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

If you've recently secured a short-term loan, there are several essential services where you can allocate these funds effectively. You might use the loan to address urgent needs such as medical expenses, car repair services, or legal fees. Additionally, the funds can assist in managing costs related to funeral arrangements or purchasing necessary appliances.

American Restaurant
4125 South Belt Line Road, Balch Springs, TX 75180
+1 (972) 913-5300
Bodyshop
2147 South Peachtree Road, Balch Springs, TX 75180
+1 (972) 288-9301
Car Wash
14308 Carla Drive, Balch Springs, TX 75180
+1 (972) 913-9777
Club & Association
4622 Pioneer Road, Balch Springs, TX 75180
+1 (469) 335-3128
College/University
2429 Hickory Tree Road, Balch Springs, TX 75180
+1 (972) 329-8115
Community Center
2919 Balch Springs Road, Balch Springs, TX 75180
+1 (972) 286-9317
Dentist
12227 Lake June Road, Balch Springs, TX 75180
+1 (972) 216-8880
Do-It-Yourself Centers
12005 Elam Road, Balch Springs, TX 75180
+1 (972) 913-9491
Doctor
3515 Shepherd Lane, Balch Springs, TX 75180
+1 (972) 913-0200
Fitness Club & Center
4716 Pioneer Road, Balch Springs, TX 75180
Government Office
3117 Hickory Tree Road, Balch Springs, TX 75180
+1 (972) 557-6035
Library
12450 Elam Road, Balch Springs, TX 75180
+1 (972) 913-3000
Local Post Office
3400 Hickory Tree Road, Balch Springs, TX 75180
+1 (972) 286-5481
Pharmacy
11820 Elam Road, Balch Springs, TX 75180
+1 (972) 286-3530
Rent-a-Car Facility
Elam Road, Balch Springs, TX 75180
+1 (972) 913-1044

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.

Find Short-term Loans Near Me

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Balch Springs ZIP Codes

75180
75181
75253