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Best Online Short-term Loans in Bluefield

Need cash fast? Life can throw unexpected expenses your way, leaving you stressed and strapped for cash. Traditional loans take time, adding stress to the situation. Our Best Cash Advance Short-term Loans offer a quick, hassle-free solution, perfect for when you're in a financial pinch. We understand that you need money now, not later! With our service, you can bridge the gap until your next paycheck without the lengthy loan process. Say goodbye to financial worry and hello to peace of mind today! Discover the fast and flexible financial assistance you need with our short-term loans.

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Best Online Short-term Loans in Bluefield

First Choice Cash Advance Inc
Loan agency

Address: 2113 S College Ave, Bluefield, VA 24605

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

Phone Number: +1 (276) 322-1166

Advance America
Financial institution
4.90
10 reviews

Address: Ridgeview Plaza, 4037 College Ave, Bluefield, VA 24605

Phone Number: +1 (276) 322-2838

Approved Cash
Loan agency

Address: 713 S College Ave, Bluefield, VA 24605

Phone Number: +1 (276) 322-4447

Truist
Bank
3.00
6 reviews

Address: 502 Commerce Dr, Bluefield, VA 24605

Today's Business Hours: 8:30 AM - 4:00 PM

Phone Number: +1 (276) 979-1830

Website: truist.com/locations

Check Into Cash
Financial institution
2.90
9 reviews

Address: 980 Leatherwood Ln, Bluefield, VA 24605

Phone Number: +1 (276) 221-0592

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advance Cash Advances Cash Now Check Cashing Services Credit Card Credit Solutions Financial Services Home Improvements Home Loans Loan By Phone Loan Funds Loan Options New Loan Online Lending Online Loan Application Prepaid Card Quick Cash Quick Money Registration Loan Registration Loans Retail Loans Small Loan Term Loans
JELEC Financial
Loan agency

Address: 3085 Stadium Dr, Bluefield, VA 24605

Today's Business Hours: 10:00 AM - 5:30 PM

Phone Number: +1 (276) 326-1224

Alternatives to Short-term Loans in Bluefield

Short-term loans offer quick financial assistance with different options tailored to varying needs. Personal loans are typically unsecured and can be used for a variety of purposes, offering a swift solution without the need for collateral, although they generally come with higher interest rates. Installment loans provide a structured repayment plan, allowing borrowers to pay back in fixed monthly amounts over a short period, making budgeting easier and predictable. Title loans, on the other hand, require the borrower to use their vehicle as collateral, allowing for rapid access to cash but risking asset forfeiture if payments are not met. Each type serves distinct financial situations, with personal loans offering versatility, installment loans providing planned repayments, and title loans delivering secured, quick cash access.

Best Personal Loan

First Community Bank - Corporate Center
4.00
5 reviews

Short-term personal loans are a popular choice for individuals seeking quick access to cash for unexpected expenses or urgent needs. These loans typically have shorter repayment periods, often ranging from a few weeks to a few months, and are generally unsecured. This means that borrowers are not required to provide collateral, making the application process relatively straightforward. Interest rates can vary significantly depending on the lender, creditworthiness, and loan terms, so it's crucial to compare different options to find the best rate available.

Loan Regulations in Virginia

Virginia enforces specific regulations for short-term loans to protect consumers and ensure fair lending practices. The state has set a maximum short-term loan amount of $2500 with a minimum four-month term and a maximum 24-month term. The Annual Percentage Rate (APR) for short-term loans in Virginia is capped at 36%, with a maximum loan fee of 20% of the loan amount and a verification fee not exceeding $5. This regulatory framework aims to prevent excessive debt and the cycle of borrowing that can occur with higher-cost loans.

Borrowers in Virginia must meet certain eligibility criteria to qualify for short-term loans, including being at least 18 years old, having a regular source of income, and possessing an active checking account. Lenders are required to provide clear and understandable terms and must ensure borrowers can repay the loan. These regulations are applicable statewide, ensuring that all short-term loan transactions in Virginia are conducted within these guidelines, thereby safeguarding the interests of the borrowers across the state.

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
2324 Virginia Avenue, Bluefield, VA 24605
+1 (276) 326-2121
Car Wash
1000 Leatherwood Lane, Bluefield, VA 24605
+1 (276) 326-6454
Club & Association
131 Lovelane Street, Bluefield, VA 24605
+1 (276) 326-3459
Community Center
703 South College Avenue, Bluefield, VA 24605
+1 (304) 325-5707
Dentist
2201 College Avenue, Bluefield, VA 24605
Dry Cleaner
104 Spruce Street, Bluefield, VA 24605
+1 (276) 326-1159
Fast Food
100 Sanders Lane, Bluefield, VA 24605
+1 (276) 322-1112
Fitness Club & Center
755 South College Avenue, Bluefield, VA 24605
+1 (304) 320-5001
Government Office
427 Virginia Avenue, Bluefield, VA 24605
Hotel
38769 Governor G.C. Peery Highway, Bluefield, VA 24605
+1 (276) 708-7487
Library
College Avenue, Bluefield, VA 24605
+1 (276) 326-4238
Museum
Virginia Avenue, Bluefield, VA 24605
Pharmacy
566 Virginia Avenue, Bluefield, VA 24605
+1 (276) 326-1166
Post Office
4035 College Avenue, Bluefield, VA 24605
+1 (276) 326-2116
Rent-a-Car Facility
2110 College Avenue, Bluefield, VA 24605
+1 (276) 322-4214

FAQ

What are short-term loans?

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

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans are often based on income and ability to repay rather than just credit scores. However, interest rates may be higher than those offered to borrowers with good credit.

What are same-day loans?

Same-day loans are a type of short-term loan designed to provide borrowers with funds quickly, often within the same day of application approval. It's important to check the approval timeframes with your lender, as it can vary.

How do short-term loans work?

Short-term loans are short-term loans typically due on your next payday. They are often smaller in amount and can be acquired quickly. However, they usually come with high fees and interest rates, so it's important to use them responsibly.

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

The amount you can borrow with a short-term loan varies by lender, but it typically ranges from a couple of hundred dollars to a few thousand. Factors such as your income and credit history will also influence the amount.

Are there any alternatives to short-term loans?

Yes, alternatives to short-term loans include personal loans, credit union loans, or negotiating payment plans with creditors. These options often come with lower interest rates and more favorable terms than short-term loans.

What should I consider before applying for a short-term loan?

Before applying for a short-term loan, consider the total cost of the loan, including fees and interest rates. Ensure that you understand the repayment terms and that you can meet them without compromising your financial stability.

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Bluefield ZIP Codes

24605