What are short-term loans?

Short-term loans are financial products designed to be repaid relatively quickly, typically ranging from a few weeks to a few months. They are often used to cover unexpected expenses or bridge financial gaps until the next payday.

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

Yes, it's possible to obtain a short-term loan even with bad credit. Many lenders offer products specifically tailored for individuals with less-than-perfect credit scores. However, interest rates might be higher compared to those for individuals with good credit.

What is a same-day loan?

A same-day loan is a type of short-term loan where the application, approval, and funding process are expedited so that the borrower receives the funds on the same day they apply. These loans are useful in urgent financial situations.

Are short-term loans the same as short-term loans?

Short-term loans are a type of short-term loan. They are typically due on the borrower's next payday and are known for their high-interest rates and fees. While all short-term loans are short-term loans, not all short-term loans are short-term loans.

How can I apply for a short-term loan?

You can apply for a short-term loan through various lenders, including banks, credit unions, and online lenders. The application process usually involves submitting personal, financial, and employment information, and it can often be completed online.

What are the typical requirements to qualify for a short-term loan?

To qualify for a short-term loan, you generally need to be at least 18 years old, have a steady source of income, be a resident of the country where you're applying, and have a valid bank account. Specific requirements can vary between lenders.

What are the risks associated with short-term loans?

The risks of short-term loans include high-interest rates, potential for debt cycles if not repaid on time, and additional fees and charges. It's essential to understand the terms and ensure you can repay the loan by the due date to avoid financial challenges.

Fast & Easy Best Online Short-term Loans in Baton Rouge, LA

Best Online Short-term Loans in Baton Rouge

American Thrift & Finance Plan llc

Loan agency

5.00

3 reviews

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Address: 5235 Florida Blvd, Baton Rouge, LA 70806

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

Phone Number: +1 (225) 926-9090

Website: american-thrift.net/loan-application

Services:

Business loans Auto/Truck Loans Finance Plan Sale Real Estate

Audubon Credit Inc

Loan agency

5.00

1 reviews

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Address: 4410 Florida, North Blvd, Baton Rouge, LA 70806

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

Phone Number: +1 (225) 926-6792

Website: auduboncredit.com

Top Cash Advance

Loan agency

5.00

4 reviews

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Address: 6554 Siegen Ln, Baton Rouge, LA 70809

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

Phone Number: +1 (225) 351-7424

Website: topcadvance.com/locations/baton-rouge

Services:

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Diamond Credit Inc

Loan agency

5.00

1 reviews

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Address: 1001 Main St, Baton Rouge, LA 70802

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (225) 924-1105

Website: diamond-credit-inc.business.site

Capitol City Credit Inc

Loan agency

5.00

2 reviews

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Address: 3765 North Blvd, Baton Rouge, LA 70806

Phone Number: +1 (225) 383-0011

Advance America

Financial institution

5.00

10 reviews

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Address: 9620 Florida Blvd Ste 400, Baton Rouge, LA 70815

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (225) 925-1510

Website: advanceamerica.net/store-locations/louisiana/9620-florida-blvd-ste-400-baton-rouge-70815

Services:

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Advance America

Financial institution

4.90

31 reviews

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Address: 7064 Siegen Ln Space G, Baton Rouge, LA 70809

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (225) 291-4105

Website: advanceamerica.net/store-locations/louisiana/7064-siegen-lane-space-g-baton-rouge-70809

Services:

Mariner Finance

Loan agency

4.80

10 reviews

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Address: 10330 Airline Hwy Ste. A4, Baton Rouge, LA 70816

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

Phone Number: +1 (225) 201-1092

Website: marinerfinance.com/locations/louisiana/mariner-finance-location-in-baton-rouge-la

Services:

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ACE Cash Express

Loan agency

4.40

10 reviews

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Address: 5949 Plank Rd, Baton Rouge, LA 70805

Today's Business Hours: 8:00 AM - 8:00 PM

Phone Number: +1 (225) 359-6242

Website: acecashexpress.com/locations/louisiana/baton-rouge/717

Services:

Bill paying Business loans Cash for gift cards 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 Advances Cash Withdrawal Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Faxless Cash Advance Financial Protection And Innovation Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Online Cash Advances Online Loan Application Online Payment Pay Off Credit Cards Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Secured Loans Short Term Loan Short Term Loans Online Tax Preparation Term Lending Visa Debit Cards ACE Flare ACE Elite Tax Services Business Services

Tower Loan

Loan agency

1.30

10 reviews

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Address: 12211 Greenwell Springs Rd, Baton Rouge, LA 70814

Today's Business Hours: 8:30 AM - 6:30 PM

Phone Number: +1 (225) 261-0158

Website: towerloan.com/branch/central

Services:

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Tower Loan

Loan agency

1.00

1 reviews

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Address: 10030 Sullivan Rd, Baton Rouge, LA 70818

Phone Number: +1 (225) 261-0158

Website: towerloan.com

Services:

Business loans Cash for gift cards Installment loans Line of credit Payday loans Signature loans Title loans Apply For Loans Online Auto Loans Auto Repairs Automobile Financing Building Credit Car Repairs Cash Advance Cash Personal Loans Consolidate Debt Consumer Finance Consumer Loans Conventional Loans Credit Card Debt Credit Card Loans Credit Reporting Current Loan Debt Refinance Loan Disability Insurance Existing Loan Finance Loans Financial Education Financial Planning Home Equity Loans Home Home Improvement Loans Home Mortgages Home Renovations Home Repair Loans Investment Schemes Lender's Loans Lending Loans Lending Online Life Insurance Loan Brokers Loan Origination Loan Payments Loans For Bad Credit Marketing Services Medical Bills Merchant Services New Car New Furniture New Loan Office Tower Loan Online Lenders Online Loan Application Other Personal Loan Pay Off Credit Cards Payment Collection Payment Plans Personal Finance Personal Lending Personal Loans For Many Purposes Personal Loans For Various Purposes Personal Loans Online Property Insurance Quick Cash Refinance My Loan Refinance Your Loan Refinancing Your Loan Renovation Project Repayment Plans Retirement Plans Revolving Credit Sales Financing Simple Online Loan Student Loan Take Out Loans Travel Insurance Travel Loans Unsecured Personal Loans Vacation Loans

Alternatives to Short-term Loans in Baton Rouge

Short-term loans are financial solutions designed for those needing quick funds, typically repayable within a year. Personal loans are unsecured, allowing borrowers to use the funds for various needs without collateral, but they often come with higher interest rates due to the lack of security. Installment loans require borrowers to repay the borrowed amount in fixed monthly installments over a predefined period, providing predictability in payments. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral, offering immediate access to cash but posing a risk of losing the vehicle if repayment terms are not met.

Best Personal Loan

GMFS Mortgage

5.00

39 reviews

Short-term loans are a versatile financial tool designed to provide quick access to funds for personal, installment, and title loan needs. Short-term personal loans are often unsecured and offer borrowers a chance to cover unexpected expenses, manage cash flow, or consolidate high-interest debt. These loans typically have a swift application process and quick funding, making them an attractive option for those in need of immediate financial assistance. Examples include payday loans and cash advances that, while convenient, often come with high interest rates and fees.

Best Installment Loan

1st Take Business Credit LLC

5.00

5 reviews

Installment loans are a type of short-term loan where the borrower agrees to pay back the loan amount in fixed monthly payments over a predetermined period. This predictability can ease the financial burden on the borrower, as they can budget their payments more effectively. The best installment loans offer competitive interest rates and flexible terms to meet the borrower's needs. These loans are typically available from banks, credit unions, and online lenders, making them quite accessible.

Best Car Title Loan

Corey Kling, Cardinal Financial Baton Rouge

5.00

5 reviews

Title loans are a form of secured short-term borrowing that use the borrower’s vehicle title as collateral. This type of loan is geared toward individuals in need of fast cash access who own a vehicle outright. The loan amount is often based on a percentage of the vehicle's value and provides a quick funding solution while still allowing the borrower to retain use of the vehicle during the loan term. Title loans can be risky due to high interest rates and the potential for losing the vehicle if the loan is not repaid, making it crucial for borrowers to carefully consider their repayment ability before committing.

Loan Regulations in Louisiana

Short-term loan regulations are designed to protect consumers while offering accessible short-term credit solutions in Louisiana. The state allows a maximum short-term loan amount of $350, with loan terms capped at 30 days. This helps prevent borrowers from falling into long-term debt cycles. The finance charges are regulated as well, with lenders allowed to charge up to 16.75% of the loan amount in fees, up to a maximum of $45. Additionally, borrowers are limited to taking out one short-term loan at a time.

Eligibility for these loans typically includes proof of income and an active checking account. Lenders might also check the borrower's credit history. These regulations provide a framework that balances the immediacy of financial needs with responsible lending practices, ensuring that short-term loans remain a viable and regulated option for those in need in Louisiana.

Short-Term Loan Calculator

Loan Amount:

Loan Term:

day(s)

Interest Rate:

Origination Fee:

Estimated Payment

$327.12

Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Get Started

Where to Use Short-term Loan

Short-term loans offer flexibility for various urgent expenses, enabling individuals to address immediate financial needs. These funds can be allocated to essential services, such as paying for medical treatments or medication in healthcare facilities, covering unexpected car repairs at local automotive shops, or securing legal representation and advice. Additionally, funds from a short-term loan can assist in managing funeral costs at nearby funeral homes or in purchasing or repairing household appliances from local service providers.

Adventure Sports Facility

10505 Coursey Boulevard, Baton Rouge, LA 70816

+1 (225) 831-1117

American Restaurant

2834 South Sherwood Forest Boulevard, Baton Rouge, LA 70816

+1 (225) 292-5464

Car Wash

11666 Cedar Park Avenue, Baton Rouge, LA 70809

+1 (225) 615-8653

Club & Association

9229 Mammoth Avenue, Baton Rouge, LA 70814

+1 (225) 927-2927

College/University

1900 Lobdell Boulevard, Baton Rouge, LA 70806

+1 (225) 923-2666

Community Center

7436 Bishop Ott Drive, Baton Rouge, LA 70806

+1 (225) 490-0604

Concert Hall

Baton Rouge, LA 70806

+1 (225) 924-6496

Dentist

679 East Airport Avenue, Baton Rouge, LA 70806

+1 (225) 926-2195

Do-It-Yourself Centers

10300 Coursey Boulevard, Baton Rouge, LA 70816

+1 (225) 293-9629

Fitness Club & Center

6725 Siegen Lane, Baton Rouge, LA 70809

+1 (225) 412-0525

Government Office

3773 Harding Boulevard, Baton Rouge, LA 70807

+1 (225) 389-2911

Hospital

10723 North Oak Hills Parkway, Baton Rouge, LA 70810

+1 (225) 769-1444

Hotel

5222 South Sherwood Forest Boulevard, Baton Rouge, LA 70816

+1 (225) 298-3205

Library

11300 Greenwell Springs Road, Baton Rouge, LA 70814

+1 (225) 274-4450

Movie Theater

15365 George O'Neal Road, Baton Rouge, LA 70817

+1 (225) 755-8888

Table of Content

Best Online Short-term Loans in Baton Rouge
Alternatives to Short-term Loans in Baton Rouge
Loan Regulations in Louisiana
Short-Term Loan Calculator
Where to Use Short-term Loan

Best Online Short-term Loans in Baton Rouge

Best Online Short-term Loans in Baton Rouge

Alternatives to Short-term Loans in Baton Rouge

Best Personal Loan

Best Installment Loan

Best Car Title Loan

Loan Regulations in Louisiana

Short-Term Loan Calculator

Where to Use Short-term Loan

Table of Content

Short-term Loans by State

FAQ

What are short-term loans?

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

What is a same-day loan?

Are short-term loans the same as short-term loans?

How can I apply for a short-term loan?

What are the typical requirements to qualify for a short-term loan?

What are the risks associated with short-term loans?

Find Short-term Loans Near Me

Baton Rouge ZIP Codes