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Best Online Short-term Loans in Beach

Need quick cash but payday is still days away? You're not alone. Many face sudden expenses that disrupt their budgets. This is where our Best Cash Advance short-term loans come to your rescue, offering fast financial relief when you need it most. With a simple application process and speedy approval, you'll have the funds to tackle unexpected bills or emergencies without the stress. Don't let life's surprises catch you off guard - let our reliable short-term loans empower you to stay in control. Apply today and experience a hassle-free solution tailored for your urgent cash needs!

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Best Online Short-term Loans in Beach

DolEx Dollar Express
Financial institution
3.00
3 reviews

Address: 5575-a, Atlantic Ave, Long Beach, CA 90805

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

Phone Number: +1 (800) 892-0210

Website: dolex.com

Services:

Bill paying Cashier's checks Money orders Payroll check cashing Personal check cashing Top Ups
Kabbage Business Loans
Loan agency

Address: 4216 E 4th St #10 11013 SHERWOOD GRV, HOUSTON, TX 8553QVC4+HP 77043-2866, Long Beach, CA 90814

Phone Number: +1 (619) 789-0648

Website: kabbage.com

Services:

Business loans Cash Flow Management

Alternatives to Short-term Loans in Beach

Short-term loans typically bridge financial gaps with a quick repayment period. Personal loans are unsecured and can be used for various purposes, requiring no collateral but often having higher interest rates. Installment loans are repaid over a set period through scheduled payments, providing a predictable repayment plan, with terms varying based on the lender and borrower's creditworthiness. Title loans use a borrower's vehicle as collateral, allowing access to funds quickly but posing a risk of losing the vehicle if the loan is not repaid on time. Each type offers unique benefits and risks, catering to different financial needs and situations.

Best Personal Loan

Long Beach Small Business Development Center
3.20
3 reviews

Personal loans are a popular type of short-term borrowing option for individuals who need immediate funds. These loans typically require no collateral, making them an unsecured option for borrowers. They are suitable for covering emergency expenses, consolidating debt, or financing home improvements. Most lenders offer flexible terms, usually ranging from a few months to a couple of years, with interest rates that are lower than payday loans but higher than traditional long-term loans. The best personal loan depends on your credit score, income, and ability to repay, but lenders like SoFi and Marcus by Goldman Sachs are often regarded as offering competitive terms and excellent customer service.

Best Car Title Loan

Trust Car Title Loans
5.00
6 reviews

Title loans are a type of secured short-term loan where the borrower's vehicle title is used as collateral. The best title loans are characterized by their quick approval process and minimal credit requirements, making them accessible for those with poor credit histories. Borrowers can continue to use their vehicle while repaying the loan, though failure to repay can result in the lender repossessing it. Title loans typically come with higher interest rates, and because they are high-risk, they should be used cautiously. It's essential to understand the terms and fee structures before proceeding to ensure it aligns with one's ability to repay.

Loan Regulations in California

Navigating the world of short-term loans, installment loans or car title loans in California requires a solid understanding of regulations. Borrowers can only loan up to $300 with a maximum fee of 15% of the loan amount. These loans have a maximum term of 31 days but no minimum duration. Rollovers aren't permitted, and there's a mandatory cooling-off period between loans. For those considering bridge loans or online short-term loans, staying updated with state-wide regulations is crucial.

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

For individuals who have already obtained a short-term loan, there are several local service providers where the funds can be effectively utilized. Medical services offer necessary treatments and consultations, while car repair shops can address urgent vehicle maintenance needs. Additionally, legal services can provide essential assistance, funeral services ensure a dignified process during difficult times, and appliance services handle unexpected home equipment malfunctions.

Car Glass Replacement Shop
18411 Gothard Street, Huntington Beach, CA 92648
+1 (657) 300-8578
Car Wash
12240 Seal Beach Boulevard, Seal Beach, CA 90740
+1 (562) 596-9610
College/University
17762 Beach Boulevard, Huntington Beach, CA 92647
+1 (714) 848-0021
Community Center
Harbor Plaza, Long Beach, CA 90802
+1 (562) 437-0041
Concert Hall
Campus Drive, Long Beach, CA 90840
+1 (562) 985-4834
Dentist
220 North Aviation Boulevard, Manhattan Beach, CA 90266
+1 (310) 379-0006
Furniture/Home Furnishings
7611 Carson Boulevard, Long Beach, CA 90808
General Practitioner
Seal Beach Boulevard, Seal Beach, CA 90740
+1 (562) 444-8800
Government Office
103 1st Street, Huntington Beach, CA 92648
+1 (714) 536-5281
Hospital
19066 Magnolia Street, Huntington Beach, CA 92646
+1 (714) 968-0068
Hotel
Huntington Beach, CA 92646
Library
240 North 9th Street, Grover Beach, CA 93433
+1 (805) 481-4131
Movie Theater
6601 East 2nd Street, Long Beach, CA 90803
+1 (844) 462-7342
Post Office
1125 Cypress Avenue, Hermosa Beach, CA 90254
Shopping Center
Main Street, Huntington Beach, CA 92648
+1 (714) 374-9428

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick funds with the expectation of repayment over a brief period, generally ranging from a few weeks to a few months. They are often used to cover unexpected expenses or immediate cash flow gaps.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans typically have higher interest rates to offset the increased risk, but they can be an accessible option for those who need urgent funds and have a less-than-perfect credit history.

Are same-day loans available?

Yes, some lenders offer same-day loan options. These loans are designed to provide rapid access to funds, often within hours of approval. However, eligibility criteria may be strict, and fees and interest rates may be higher compared to longer-term loans.

What’s the difference between a short-term loan and other short-term loans?

Short-term loans are a type of short-term loan specifically intended to cover expenses until your next paycheck. They usually feature small loan amounts and high interest rates. Other short-term loans might offer slightly longer repayment terms or different fee structures.

How much can I borrow with a short-term loan?

The borrowing limit for short-term loans can vary depending on the lender and the borrower’s creditworthiness. Generally, short-term loans range from $100 to $5,000, but for short-term loans, the limit might be smaller.

What are the risks of taking a short-term loan?

Short-term loans often come with high interest rates and fees, making them costly over time if not managed carefully. Additionally, failing to repay these loans on time can lead to additional fees, potential harm to credit scores, and debt cycles.

How can I apply for a short-term loan?

Applying for a short-term loan typically involves completing an online application form, which requires personal, financial, and employment information. Once submitted, lenders review the application and, if approved, funds are usually deposited directly into the borrower’s bank account.

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