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Best Online Short-term Loans in Bothell

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 Bothell

First Pacific Funding Inc
Loan agency
5.00
30 reviews

Address: 10700 Woodinville Dr, Bothell, WA 98011

Today's Business Hours: 5:30 AM - 3:00 PM

Phone Number: +1 (877) 953-2733

Website: firstpacificfunding.com/aboutus.php

Services:

Business loans Signature loans Equipment Finance Equipment Leases Finance Solutions Financing Programs Lease Finance Personal Loans Personalized Service
Mcgibney Andrea
Loan agency

Address: 22232 17th Ave SE #207, Bothell, WA 98021

Phone Number: +1 (425) 492-1693

Imperial PFS
Loan agency

Address: 22522 29th Dr SE #214, Bothell, WA 98021

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

Phone Number: +1 (425) 951-7800

Website: ipfs.com

Services:

Business loans Signature loans Finance Loan Finance Programs Financing Solutions Insurance Premium Financing Premium Financing

Alternatives to Short-term Loans in Bothell

Short-term loans offer individuals quick access to funds and come in various forms, including personal loans, installment loans, and title loans. Personal loans are typically unsecured, allowing borrowers to access cash without collateral, often with fixed terms. Installment loans provide a fixed lump sum that is repaid over a set period with scheduled payments, making them predictable for budgeting purposes. Title loans, on the other hand, require the borrower to use their vehicle as collateral, providing immediate cash but risking repossession if the loan is not repaid on time. Each type of short-term loan caters to different financial needs, with varying interest rates, repayment structures, and risks involved.

Best Personal Loan

Guild Mortgage - Chris Yeakel
5.00
12 reviews

Short-term personal loans are a popular option for individuals seeking quick access to cash for unexpected expenses or emergencies. These loans are typically unsecured, meaning they do not require collateral, and they have shorter repayment terms compared to traditional loans. One of the best choices in this category is LightStream, known for its low-interest rates and flexible loan amounts that cater to different financial needs. LightStream also offers same-day funding in many cases, making it convenient for borrowers who need immediate access to funds.

Best Installment Loan

Medallion Bank
4.50
22 reviews

Installment loans are a favorable choice for borrowers who require a structured repayment plan spread over a set period. These loans might be secured or unsecured, and they usually come with fixed interest rates. The predictability of fixed monthly payments can help individuals manage their budgets effectively. Borrowers can use installment loans for various purposes such as home improvement, medical expenses, or significant purchases. When seeking the best installment loans, it's crucial to consider the annual percentage rate (APR) and the loan's flexibility regarding additional payments or potential fees.

Best Car Title Loan

Carl Self | The Seattle Mortgage Professor NMLS #1061345 Branch NMLS #1977245
5.00
10 reviews

For those considering title loans as a short-term financing solution, it is essential to understand how they work. A car title loan, considered one of the best options in this category, allows borrowers to use their vehicle's title as collateral in exchange for quick cash. Title loans are beneficial for individuals who own a vehicle outright and need funds swiftly, as they typically do not require a credit check. However, these loans can carry high-interest rates and the risk of losing one's vehicle if there's a default. Therefore, they should only be utilized when you're confident in your ability to repay the loan on the agreed terms.

Loan Regulations in Washington

In Washington, short-term loan regulations are designed to protect consumers while providing access to short-term credit. The state has implemented rules such as a maximum loan amount of $700 or 30% of the borrower’s gross monthly income, whichever is lower. Washington also limits the number of loans to 8 within 12 months. Short-term loan terms must be your next pay date or within 45 days. The Annual Percentage Rate (APR) is capped, with a maximum rate of 391% on a 14-day loan.

Borrowers must be 18 years or older and have a regular income to qualify for a short-term loan. Lenders are also required to provide a clear repayment plan and they must check the state database to ensure borrowers do not exceed the maximum loan limit. These regulations apply statewide, ensuring consistency and protection across all of Washington.

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 taken out a short-term loan, various local service providers can help address immediate needs. The loan can be used to cover expenses such as medical services for unexpected healthcare costs, car repair to ensure reliable transportation, legal services for urgent legal matters, funeral services for unforeseen bereavements, and appliance repair or replacement to maintain home essentials.

Car Repair and Service
18725 Bothell Way Northeast, Bothell, WA 98011
+1 (425) 954-7298
Car Wash
17818 Bothell Everett Highway, Bothell, WA 98012
+1 (425) 949-5454
Club & Association
10234 Main Street, Bothell, WA 98011
+1 (425) 486-2292
College/University
18115 Campus Way Ne, Bothell, WA 98011
+1 (425) 352-5000
Community Center
10123 Main Place, Bothell, WA 98011
+1 (425) 417-8771
Dentist
19110 Bothell Way Northeast, Bothell, WA 98011
+1 (425) 482-9211
General Practitioner
17921 Bothell Everett Highway, Bothell, WA 98012
+1 (425) 806-4600
Government Office
17816 Bothell Way Northeast, Bothell, WA 98011
+1 (425) 408-1584
Hospital
9924 Northeast 185th Street, Bothell, WA 98011
+1 (425) 259-0966
Hotel
22600 Bothell Everett Highway, Bothell, WA 98021
+1 (425) 486-0400
Library
18225 Campus Way Northeast, Bothell, WA 98011
+1 (425) 352-5340
Movie Theater
Northeast 180th Street, Bothell, WA 98011
+1 (425) 408-7181
Museum
9919 Northeast 180th Street, Bothell, WA 98011
+1 (425) 486-1889
Rent-a-Car Facility
18333 120th Avenue Northeast, Bothell, WA 98011
+1 (425) 485-0650
Theater
21423 16th Drive Southeast, Bothell, WA 98021
+1 (425) 829-6355

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically scheduled to be repaid within a year. These loans can be an ideal solution for unexpected expenses or financial emergencies, providing quick access to funds.

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

Yes, some lenders specialize in offering short-term loans to individuals with bad credit. However, interest rates may be higher to offset the additional risk to the lender.

What are same-day loans?

Same-day loans are a type of short-term loan designed to deliver funds to the borrower on the day of application approval. This quick processing makes them suitable for urgent financial needs.

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

Short-term loans are a specific type of short-term loan intended to tide you over until your next paycheck. They are known for high interest rates and fees, and should be used cautiously.

How quickly can I receive funds from a short-term loan?

Funds from a short-term loan can often be received as quickly as the same day, although the timeline may vary depending on the lender and application process.

What are the repayment terms for short-term loans?

Repayment terms for short-term loans usually range from a few weeks to several months. Be sure to review the specific terms set by your lender before accepting the loan.

How do I apply for a short-term loan?

To apply for a short-term loan, you typically need to complete an online application with your personal and financial information. The lender will review your application, and if approved, you will receive the loan offer with terms.

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Bothell ZIP Codes

98011
98012
98021
98034
98041
98072