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Best Online Short-term Loans in Caldwell

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 Caldwell

Trust Express Loans
Loan agency

Address: 2619 S Indiana Ave Suite B, Caldwell, ID 83605

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

Phone Number: +1 (208) 402-5068

Montana Capital Bad Credit Loans
Loan agency
5.00
10 reviews

Address: 2419 E Chicago St, Caldwell, ID 83605

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

Phone Number: +1 (208) 225-8499

Website: montana-capital.com/locations/caldwell

Services:

Installment loans Line of credit Microloans Payday loans Signature loans 24/7 Customer Service Automotive Repair Bad Credit Loans Credit Counseling Easy Loans Home Repairs Loans Grants Loans Personal Loans On School Loans Online Bad Credit Loans Personal Loans Unsecured Loans Quick Online Loans Simple Loan Unsecured Loans Urgent Loan
World Finance
Loan agency
4.80
10 reviews

Address: 714 Cleveland Blvd, Caldwell, ID 83605

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

Phone Number: +1 (208) 454-8779

Website: loansbyworld.com/locations/idaho/caldwell/83605/2200

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Average Loan Build Credit Capitol Loans Car Repairs Credit Plan Easy Loans Finance Loans Investor Relations Loan Payment Plan Loan Solutions Local Loans Medical Bills Military Lending Online Payment Overall Financial Pawn Shop Loans Personal Finance Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns World Finance
Moneytree
Loan agency
4.60
6 reviews

Address: 2713 Blaine St Suite 400, Caldwell, ID 83605

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

Phone Number: +1 (208) 459-6669

Website: locations.moneytreeinc.com/moneytree-2ac9bc462cb7

Services:

Bill paying Business loans Cash for gift cards Installment loans Line of credit Money orders Payday loans Signature loans Check Cashing Locations Consumer Loans Credit Counseling Financial Solution Home Loans Instant Funding Military Lending New Loan Postal Services Prepaid Debit Cards Refinance My Loan Repayment Plan Secured Loans Short-Term Loan Tax Advisor Western Union Wire Transfer
Canyon Financial of Caldwell
Loan agency
4.40
8 reviews

Address: 823 Specht Ave Suite 3, Caldwell, ID 83605

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

Phone Number: +1 (208) 453-9290

Website: canfinanceidaho.com

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Insurance Auto Refinance Loans Auto Repair Loans Bad Credit Loans Boat / Rv Loan Build Credit Car Purchase Loans Cash Lending Check Cashing Loans Current Loan Debt Consolidation Loans Emergency Loan Financial Assistance Free & Clear Auto Loans Funeral Loans Furniture Loans Home Improvement Loan Boat Loans Loan Program Medical Loans Motorcycle & Atv Loans Online Personal Loan Personal Financial Quick Cash Loans Refinance An Existing Loan Refinancing An Existing Loan Secured Personal Loans Student Loans Used Cars Vacation Loans Wedding Loans
Security Finance
Loan agency
4.00
7 reviews

Address: 916 Blaine St, Caldwell, ID 83605

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

Phone Number: +1 (208) 455-9192

Website: securityfinance.com/locations/caldwell-id-1206

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Financial Solutions Health Insurance Income Tax Preparation Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Servigiros
Financial institution
3.70
5 reviews

Address: 4926 Cleveland Blvd, Caldwell, ID 83605

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

Phone Number: +1 (208) 454-0254

Website: servigiros.com/servigiros

David & Judy Nation Farm
Bank

Address: 13561 Willis Rd, Caldwell, ID 83607

Phone Number: +1 (208) 455-1387

Apex Finance & Analytics
Financial institution

Address: 1803 Ellis Ave, Caldwell, ID 83605

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

Phone Number: +1 (208) 869-5838

Advance Service Llc
Check cash

Address: 2719 S Kimball Ave, Caldwell, ID 83605

Phone Number: +1 (208) 402-4464

Website: shop.advanceautoparts.com

Services:

Bill paying Payroll check cashing Balance Check Gift Cards Headlight Restoration Payment Processing

Alternatives to Short-term Loans in Caldwell

Short-term loans are financial products designed to provide immediate access to money with the expectation of repayment within a short period, usually from several weeks to a few months. Personal loans can be unsecured, requiring no collateral, and are based primarily on an individual's creditworthiness, offering flexibility for various expenses. Installment loans are repaid over a set schedule with fixed payments, making budgeting easier, and they often accommodate borrowers with lower credit scores, albeit potentially at higher interest rates. Title loans are secured loans that use the borrower's vehicle title as collateral, typically allowing for quick approval and funding, but they pose a risk of losing one's vehicle if payments are not met in time, often carrying high-interest rates and fees.

Best Personal Loan

Black Oak Agency | Homes of Idaho
5.00
10 reviews

Personal loans are a versatile option for short-term borrowing that can be used for a variety of purposes such as consolidating debt, unexpected expenses, or a major purchase. These loans are typically unsecured, meaning you don't need to provide collateral, and they often feature fixed interest rates and repayment terms. Some lenders offer personal loans with fast approval and funding, making them a convenient choice for borrowers in need of quick cash. The flexibility and ease of access make personal loans a popular option among those seeking short-term financial solutions.

Best Installment Loan

Simplot Employee Credit Union
4.20
9 reviews

Installment loans are another type of short-term loan that provides borrowers with a lump sum of money upfront, which is then repaid in fixed installments over a specified period. These are particularly beneficial for those who prefer a predictable payment schedule and want to avoid the hassle of balloon payments. A highly recommended installment loan would offer reasonable interest rates, multiple repayment options, and an easy application process. It is most suitable for individuals needing to finance larger purchases or consolidate debt.

Loan Regulations in Idaho

Short-term loan regulations are set statewide to ensure fair lending practices across the board in Idaho. Lenders are permitted to offer short-term loans up to $1,000 or 25% of a borrower's gross monthly income, whichever is less, without a cap on finance charges or APRs. The loan term can vary but must not exceed more than 35 days. Borrowers must have proof of employment or a steady source of income, along with a valid bank account, to qualify for a short-term loan.

Idaho allows up to 3 rollovers, which means borrowers can roll over an existing short-term loan into a new loan 3 times., a borrower must fully repay the existing loan before taking out another. These regulations apply to all short-term loan providers operating within the state of Idaho.

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

Individuals with a short-term loan can utilize the funds for essential services like medical expenses at local clinics or hospitals, where immediate care is vital. Car repair shops can facilitate the timely maintenance or repair of vehicles, ensuring mobility for work or personal commitments. Additionally, legal services may require financial support for urgent matters, while funeral services can assist families in managing unexpected expenses. Furthermore, appliance repair or replacement ensures that households remain functional and efficient.

American Restaurant
3512 Franklin Road, Caldwell, ID 83605
+1 (208) 453-1517
Car Glass Replacement Shop
919 Main Street, Caldwell, ID 83605
+1 (208) 459-6396
Club & Association
21840 Pond Lane, Caldwell, ID 83607
+1 (208) 459-2616
College/University
1904 East Chicago Street, Caldwell, ID 83605
+1 (208) 454-7674
Community Center
1009 Everett Street, Caldwell, ID 83605
+1 (208) 454-7211
Computer & Computer Supplies
2614 Cleveland Boulevard, Caldwell, ID 83605
+1 (208) 459-9355
Dentist
1913 South Kimball Avenue, Caldwell, ID 83605
+1 (208) 459-0113
Fitness Club & Center
4623 Enterprise Way, Caldwell, ID 83605
+1 (208) 459-0729
Government Office
15192 Purple Sage Road, Caldwell, ID 83607
+1 (208) 454-9101
Library
1010 Dearborn Street, Caldwell, ID 83605
+1 (208) 459-3242
Museum
Cleveland Boulevard, Caldwell, ID 83605
+1 (208) 459-5211
Pharmacy
2107 Blaine Street, Caldwell, ID 83605
+1 (208) 455-1094
Post Office
5210 Cleveland Boulevard, Caldwell, ID 83607
+1 (208) 459-4410
Rent-a-Car Facility
6118 Cleveland Boulevard, Caldwell, ID 83607
+1 (208) 455-3431
Rest Camp
21830 Town Circle, Caldwell, ID 83607
+1 (208) 454-0279

FAQ

What is a Short-Term Loan?

A short-term loan is a type of credit that is typically repaid within a short period, usually under a year. These loans are designed to provide quick access to funds for unexpected expenses or financial emergencies and often come with higher interest rates compared to long-term loans.

Can I Get a Short-Term Loan with Bad Credit?

Yes, you can still qualify for a short-term loan even with bad credit. Many lenders focus on your current financial situation and ability to repay rather than your credit history. Keep in mind that loans for individuals with bad credit might come with higher interest rates.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan that aims to provide funds to borrowers on the same day they apply. These loans are convenient for those who need immediate financial assistance, but may carry higher fees and interest rates due to the rapid processing time.

How Do Short-term Loans Work?

Short-term loans are a common form of short-term loan where the borrower is expected to repay the loan on their next payday. These loans are typically small, high-interest loans that are easy to obtain but can lead to a cycle of debt if not managed carefully.

What Are the Risks of Short-Term Loans?

Short-term loans can be beneficial, but they also come with risks. High interest rates and short repayment periods can create a debt cycle if not managed properly. It's crucial to borrow only what you need and have a clear repayment plan to avoid financial strain.

How Can I Apply for a Short-Term Loan?

Applying for a short-term loan typically involves filling out a loan application, either online or in-person, providing necessary financial information and documentation. After submission, the lender will assess your application and, if approved, disburse the funds to your account.

What Should I Consider Before Taking a Short-Term Loan?

Before taking out a short-term loan, consider the loan's total cost, including interest rates, fees, and repayment terms. Ensure that you have a reliable repayment strategy and only borrow the amount you need to avoid excessive debt.

Find Short-term Loans Near Me

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Caldwell ZIP Codes

83605
83606
83607
83651
83687