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Best Online Short-term Loans in Calera

Stuck in a financial bind and need cash fast? You're not alone. Many people face sudden expenses that just can't wait, leaving them stressed and overwhelmed. This is where short-term loans step in to save the day. With our Best Cash Advance Short-term Loans, you get quick, hassle-free access to the funds you need, right when you need them. Don't let unexpected bills or emergencies throw you off course. Choose a service that's designed to offer relief with transparent terms and a smooth process. Experience financial peace of mind today!

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Best Online Short-term Loans in Calera

Advance America
Financial institution
5.00
10 reviews

Address: 233 Supercenter Dr, Calera, AL 35040

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

Phone Number: +1 (205) 668-4177

Website: advanceamerica.net/store-locations/alabama/233-supercenter-dr-calera-35040

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Farm Insurance Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans Money Orders Money Transfer Service Money Transfers Netspend® Visa® Prepaid Card New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Unsecured Loans Vehicle Insurance
ATB Money Services
Loan agency

Address: 11034 AL-25, Calera, AL 35040

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

Phone Number: +1 (205) 668-9778

SAM Self-Service Check Cashing
Check cash

Address: 11028 AL-25, Calera, AL 35040

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

Phone Number: +1 (205) 668-2315

Website: samcodirect.com/check-cashing-near-me

Services:

Business check cashing Cashier's checks Government benefits check cashing Money orders Payroll check cashing Student loan check cashing Tax refund check cashing Unemployment Check Cashing

Alternatives to Short-term Loans in Calera

Short-term loans are financial products designed to provide quick monetary assistance and are typically repaid within a year or less. Personal loans are unsecured, meaning they don’t require collateral, and are often used for general, unforeseen expenses, with terms varying by lender. Installment loans offer a set amount of money with a fixed repayment schedule, allowing borrowers to pay back the loan over several months in equal payments, making budgeting easier. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral, generally allowing quick access to a small amount of cash but with the risk of losing the vehicle if the loan is not repaid. Each type of short-term loan has distinct features and potential risks that borrowers should evaluate before proceeding.

Best Personal Loan

Title Loan/ Jewelry
5.00
1 reviews

Short-term personal loans are a type of financing designed to be repaid within a short period, typically ranging from a few weeks to a few months. These loans are often unsecured, meaning you don't need to provide collateral to qualify. They are best used for immediate, small-scale financial needs like emergency expenses or quick purchases. One of the best options for a short-term personal loan might be from an online lender like LendingClub, known for its quick approval process and competitive interest rates, allowing you to access funds swiftly without the need for extensive paperwork.

Loan Regulations in Alabama

Alabama's statewide regulations on short-term loans aim to protect borrowers while allowing them access to quick funds in a regulated environment. In the Heart of Dixie, short-term loan lenders are governed by the Alabama Deferred Presentment Services Act, which stipulates that the maximum loan amount a consumer can borrow is $500. The minimum loan term is set at 10 days, with the maximum term not exceeding 31 days, ensuring that loans are repaid promptly.

Interest rates in Alabama for short-term loans are capped by law, with a maximum APR (Annual Percentage Rate) that lenders are allowed to charge. Additionally, borrowers must be provided with clear and comprehensive terms before entering into a loan agreement, ensuring transparency and informed decision-making.

Eligibility for a short-term loan in Alabama typically requires the borrower to have a valid government-issued ID, proof of income, and an active bank account. Lenders also must follow strict guidelines regarding rollovers and are limited in the number of times a loan can be renewed.

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 those who have secured a short-term loan, several local service providers offer essential support in critical areas. These funds can be directed towards medical expenses for unexpected health emergencies, car repair services to ensure reliable transportation, and legal services for any urgent legal matters. Additionally, the loan can assist with funeral costs during difficult times or cover the expense of necessary appliance repairs or replacements, helping maintain everyday conveniences.

American Restaurant
100 Highway 87, Calera, AL 35040
+1 (205) 319-0654
Car Repair and Service
730 George Roy Pkwy, Calera, AL 35040
+1 (888) 875-2097
Car Wash
4400 Highway 31, Calera, AL 35040
Club & Association
355 Pilgreen Drive, Calera, AL 35040
+1 (205) 668-0545
Community Center
15863 Highway 25, Calera, AL 35040
+1 (205) 670-9988
Dentist
Whippoorwill Lane, Calera, AL 35040
Doctor
72 Limestone Parkway, Calera, AL 35040
+1 (205) 319-8000
Fitness Club & Center
301 Airport Commons Drive, Calera, AL 35040
+1 (205) 319-0381
Government Office
5375 Highway 70, Calera, AL 35040
+1 (205) 668-2813
Hotel
11960 Highway 25, Calera, AL 35040
+1 (205) 668-4800
Library
2 1st Street East, Calera, AL 35040
+1 (205) 668-3514
Museum
11th Street, Calera, AL 35040
Pharmacy
304 County Road 304, Calera, AL 35040
+1 (205) 319-8000
Post Office
136 Marketplace Circle, Calera, AL 35040
+1 (205) 668-4822
Rent-a-Car Facility
4980 Highway 31, Calera, AL 35040
+1 (205) 668-9950

FAQ

What are short-term loans?

Short-term loans are a type of financial product designed to provide quick access to funds for a brief period, usually ranging from a few weeks to a few months. These loans are ideal for bridging temporary cash flow gaps or unexpected expenses.

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

Yes, some lenders specialize in offering short-term loans to individuals with bad credit. While your credit score may affect the terms and interest rates offered, having bad credit won’t necessarily disqualify you from obtaining a loan.

What is a same-day loan?

A same-day loan is a type of short-term loan where the loan processing and disbursement occur on the same day you apply. This option is beneficial when you need immediate financial assistance due to an emergency.

How do short-term loans work?

Short-term loans are a specific type of short-term loan designed to be repaid with your next paycheck. They offer quick access to cash and generally have high interest rates and fees. It's important to use short-term loans responsibly to avoid falling into a cycle of debt.

What are the eligibility requirements for short-term loans?

Eligibility criteria for short-term loans vary by lender, but generally include being at least 18 years old, having a regular source of income, and maintaining an active checking account. Some lenders may also require proof of residency and identification.

Are there any alternatives to short-term loans for people with bad credit?

Yes, there are alternatives to short-term loans for those with bad credit, including credit union loans, personal installment loans, and borrowing from friends or family. Each alternative comes with its own set of conditions and considerations, so it's crucial to choose the option that best fits your financial situation.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in person at a lender's location. The application process typically involves providing personal and financial information, employment details, and sometimes documentation to verify your income and identity.

Find Short-term Loans Near Me

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Calera ZIP Codes

35007
35040
35051
35115