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Best Online Short-term Loans in Bloomington

Feeling the pinch before payday? You're not alone. Short-term financial hiccups can happen to anyone, but they don't have to derail your life. That's where our come in. Designed to tackle unexpected expenses quickly, these loans offer an easy and fast solution when you need it most. Say goodbye to the stress of sudden bills and hello to financial peace of mind. Let us help bridge your financial gap with a hassle-free loan experience tailored just for you.

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Best Online Short-term Loans in Bloomington

Heights Finance
Loan agency
5.00
10 reviews

Address: 503 N Prospect Rd, Bloomington, IL 61704

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

Phone Number: +1 (309) 662-3868

Website: heightsfinance.com/loan-office-location/heights-finance-in-bloomington

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Loans Auto Repairs Consolidation Credit Credit Insurance Dealer Financing Disability Insurance Easy Loans Finance Cars Finance Finance Personal Loans Financing Program Fixed-Rate Loans Life Insurance Loan Advisors Local Loan New Loan Property Insurance Quick Credit Refinance My Current Loan
SAIL Loans
Loan agency
5.00
20 reviews

Address: 1605 Morrissey Dr STE 103, Bloomington, IL 61704

Today's Business Hours: 10:00 AM - 7:00 PM

Phone Number: +1 (309) 662-0809

Website: sailloans.com/locations/illiniois-locations/bloomington

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans
Swift Payday Loans
Loan agency

Address: 3220E E Empire St, Bloomington, IL 61704

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

Phone Number: +1 (309) 326-7706

Website: swiftpl.com/locations/bloomington

Services:

Flex loans Installment loans Payday loans Signature loans Loans Personal Loans No Credit Check Loans Online Bad Credit Loans Payment Loans Personal Loans For Bad Credit Personal Loans Online Poor Credit Loans Quick Loan Revolving Loans Short-Term Loan Unsecured Loans
Top Cash Advance
Loan agency
4.90
8 reviews

Address: 2104 N Veterans Pkwy, Bloomington, IL 61704

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

Phone Number: +1 (309) 955-5351

Website: topcadvance.com/locations/bloomington

Services:

Business loans Flex loans Installment loans Payday loans Title loans Auto Loan Bad Credit Car Loan Boat Financing Boat Loan Financing Loans Loan Program Motorbike Finance No Credit Check Loans Online Loans Payment Loans Quick Cash Revolving Loans Short-Term Loan Simple Loan Used Car Loan
World Finance
Loan agency
4.80
1 reviews

Address: 2205 E Oakland Ave Suite A-4, Bloomington, IL 61701

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

Phone Number: +1 (309) 823-9879

Website: loansbyworld.com/locations/illinois/bloomington/61701/1011

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
Keith W. Thompson, Loan Officer at MSI
Loan agency
3.70
1 reviews

Address: 502 N Hershey Rd, Bloomington, IL 61704

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

Phone Number: +1 (309) 275-1179

K & M Currency Exchange, Inc.
Check cash
3.50
10 reviews

Address: 802 N Morris Ave, Bloomington, IL 61701

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

Phone Number: +1 (309) 827-7676

Website: msce.biz

Services:

Bill paying Government benefits check cashing Money orders Money transfers Payroll check cashing Personal check cashing Student loan check cashing Tax refund check cashing Copy Services Credit Card Debit Cards Fax Services Foreign Cash Exchanges Foreign Currency Exchange License & Title Service License Plate Renewal Net Spend Cards Pre Paid Debit Cards Printing Services Vehicle sticker Renewals
Tower Loan
Loan agency
3.30
2 reviews

Address: 1717 R T Dunn Dr, Bloomington, IL 61701

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

Phone Number: +1 (309) 820-0315

Website: towerloan.com/branch/bloomington

Services:

Title loans Apply For Loans Online Auto Loans Auto Repairs 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 Debt Refinance Loan Disability Insurance Financial Education Financial Planning Financing Home Equity Loans Home Home Improvement Loans Home Mortgages Home Renovations Home Repair Loans Installment loans Lender's Loans Lending Loans Lending Online Lending Process Life Insurance Loan Brokers Loan Origination Loan Refinancing Loans For Bad Credit Marketing Services Medical Bills Merchant Services New Car New Furniture Office Tower Loan Online Lenders Online Loan Application Other Personal Loan Pay Off Credit Cards Payment Collection Payment Plans Personal Finances Personal Lending Personal Loans For Many Purposes Personal Loans For Various Purposes Personal Loans Online Premier Loan Property Insurance Quick And Easy Credit Quick Cash Renovation Project Repayment Plans Retirement Planning Revolving Credit Secured Personal Loans Signature loans Simple Online Loan Student Loan Take Out Loans Travel Insurance Travel Loans Unsecured Personal Loans Vacation Loans
Corn States Credit Corporation
Loan agency

Address: 2703 Mc Graw Dr # 6, Bloomington, IL 61704

Phone Number: +1 (309) 662-1341

Ameri Cash Loans
Loan agency

Address: Bloomington, IL 61701

Alternatives to Short-term Loans in Bloomington

Short-term loans are financial solutions designed to provide quick funding to individuals in need. Personal short-term loans are unsecured loans that can be used for various purposes, often featuring higher interest rates and shorter repayment periods. Installment loans require borrowers to repay the borrowed amount plus interest through scheduled payments over a set period, making them a more manageable option for those who need some time to pay back the loan. Title loans, on the other hand, use the borrower's vehicle title as collateral and typically come with high interest rates and the risk of losing the vehicle if the loan isn't repaid. Each type serves different financial needs and circumstances, catering to those who may face cash flow challenges or unexpected expenses.

Best Personal Loan

Rick McLean - State Farm Insurance Agent
5.00
26 reviews

Short-term personal loans are typically unsecured loans that are granted quickly and without the need for collateral. These loans are ideal for individuals who need a small amount of money urgently. The best personal short-term loan option would be one with a competitive interest rate, flexible repayment terms, and quick approval process. For example, a lending platform that offers online applications with instant decisions and funding within a day can be highly advantageous for borrowers needing immediate funds.

Best Car Title Loan

TitleMax Title Loans
5.00
15 reviews

Title loans are short-term loans where the borrower uses their vehicle's title as collateral to secure the loan. This type of loan offers quick access to cash, often appealing to those with bad credit. The best title loans have lower interest rates and transparent terms, ensuring the borrower fully understands their repayment obligations. Title lenders often offer flexible payment plans and quick approval processes, but borrowers should be cautious, as defaulting on the loan could result in the loss of their vehicle.

Loan Regulations in Illinois

Illinois short-term loan regulations are designed to protect consumers while offering them accessible short-term financial solutions. The state laws cap short-term loan amounts at $1,000 or 25% of the borrower's gross monthly income, whichever is less, to prevent borrowers from taking on unmanageable debt. The maximum term for a short-term loan in Illinois is 120 days, providing more flexibility compared to many other states.

Regarding the costs, lenders are restricted to charging a maximum of $15.50 per $100 borrowed, with a $1 verification fee. Eligibility criteria for these loans generally include proof of income, a bank account, and valid identification. These regulations ensure a balanced approach, providing immediate financial assistance to those in need while safeguarding them from excessive debt and predatory lending practices.

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 secured a short-term loan, there are several key local services where these funds can be effectively utilized. Medical services might include paying for unexpected emergency treatments or medication needs. Car repair services are essential for maintaining reliable transportation, and legal services can help cover expenses related to navigating legal issues. Additionally, funeral services may require financial support for unforeseen expenses, while appliance services ensure essential home appliances are maintained or replaced as necessary.

Car Repair and Service
1604 Commerce Parkway, Bloomington, IL 61704
+1 (309) 661-2691
Club & Association
115 East Washington Street, Bloomington, IL 61701
+1 (309) 829-9599
College/University
1701 East Empire Street, Bloomington, IL 61704
+1 (309) 829-5053
Community Center
1017 South Mercer Avenue, Bloomington, IL 61701
+1 (309) 663-6527
Doctor
1404 Eastland Drive, Bloomington, IL 61701
+1 (309) 663-4351
Fast Food
101 North Veterans Parkway, Bloomington, IL 61704
+1 (309) 662-9299
Fitness Club & Center
115 Krispy Kreme Drive, Bloomington, IL 61704
+1 (309) 585-1432
Government Office
109 East Olive Street, Bloomington, IL 61701
+1 (309) 434-2264
Hospital
1319 North Veterans Parkway, Bloomington, IL 61704
+1 (309) 827-4014
Hotel
1905 West Market Street, Bloomington, IL 61701
+1 (309) 585-2769
Library
205 East Olive Street, Bloomington, IL 61701
+1 (309) 828-6091
Local Post Office
1511 East Empire Street, Bloomington, IL 61701
+1 (309) 664-4600
Mobile Phone Shop
504 IAA Drive, Bloomington, IL 61701
+1 (309) 664-6977
Movie Theater
1111 Wylie Drive, Bloomington, IL 61705
+1 (309) 828-8015
Museum
1112 East Oakland Avenue, Bloomington, IL 61701
+1 (309) 808-1614

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick access to funds, typically for unexpected expenses or emergencies. They are generally repaid within a short period, ranging from a few weeks to a few months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These lenders focus more on your current financial situation and ability to repay the loan rather than your credit history.

How do same-day loans work?

Same-day loans are designed to provide rapid access to funds, often within 24 hours of application approval. The process involves filling out an application, waiting for approval from the lender, and, once approved, receiving the funds in your bank account on the same day.

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

Short-term loans are a specific type of short-term loan typically repaid on the borrower’s next payday. They usually have high-interest rates and are intended for small amounts of money over a short repayment period. While all short-term loans are short-term loans, not all short-term loans are short-term loans.

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

Requirements vary by lender, but generally include being at least 18 years old, having a regular source of income, and holding an active bank account. Some lenders may also require a government-issued ID.

What are the risks associated with short-term loans?

Short-term loans can have high-interest rates and fees, which can lead to a cycle of debt if not managed carefully. It's crucial to fully understand the terms and ensure that you can repay the loan on time to avoid additional charges.

How do I apply for a short-term loan?

You can apply for a short-term loan online or at a physical lender's location. Online applications typically involve filling out a form with your personal and financial information, after which you’ll receive a decision. Ensure you compare different lenders to find the terms that best suit your needs.

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Bloomington ZIP Codes

61701
61702
61704
61705
61709
61710
61791
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