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Best Online Short-term Loans in Cambridge

Feeling strapped for cash and need a quick fix? Life's unexpected expenses can catch us off guard, leading to stress and financial strain. Our Best Cash Advance Short-term Loans are here to get you back on track, providing fast and easy solutions tailored to your immediate needs. No more waiting or long approval processes—just straightforward, reliable financial support when you need it the most. Take the stress out of short-term financial challenges with our trusted cash advance services today!

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Best Online Short-term Loans in Cambridge

Lendmark Financial Services LLC
Loan agency
5.00
1 reviews

Address: 1225 Woodlawn Ave Ste 1, Cambridge, OH 43725

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

Phone Number: +1 (740) 439-3588

Website: lendmarkfinancial.com/branches/oh/cambridge/43725-3094

Services:

Business loans Installment loans Signature loans Title loans Auto Loans Automobile Loans Estate Planning Home Repair Loan Personal Loans Merchant Finance Online Services Personal Lending Refinance An Existing Loan Unsecured Loan
Advance America
Financial institution
5.00
10 reviews

Address: 2109 Southgate Pkwy, Cambridge, OH 43725

Phone Number: +1 (740) 435-9457

Services:

Consumers Loans Credit Counseling Emergency Loans Financial Loan Home Loans Money Transfers Moneygram® Services Netspend® Visa® Prepaid Card New Loan Online Cash Advances Personal Loans Quick Loan Refinance Loan Refinancing Options Secured Loan Short Term Loans Single Repayment Loan Small Loans Tax Service Unsecured Loans

Alternatives to Short-term Loans in Cambridge

Short-term loans are a quick financial solution designed to be repaid within a short period, usually under a year. Personal loans are unsecured and can be used for various purposes, offering flexibility in terms of use but typically involving higher interest rates due to the lack of collateral. Installment loans provide borrowers with a fixed sum of money that is repaid over a set number of scheduled payments, offering predictability and structure in repayment terms. Title loans require the borrower to offer their vehicle title as collateral, allowing access to fast cash but with the risk of losing the vehicle if the loan terms are not met. Each type of short-term loan comes with its unique advantages and risks, catering to different financial needs and circumstances.

Best Personal Loan

U.S. Bank Branch
5.00
3 reviews

Short-term personal loans are designed for individuals who need quick access to funds and are typically unsecured. They are often characterized by higher interest rates and shorter repayment periods compared to traditional loans. Online lenders and financial institutions offer these loans with varying terms and conditions. The best personal loans tend to have flexible repayment options, low-interest rates, and minimal fees, making them suitable for borrowers who have a good credit score and need smaller amounts of money for immediate personal expenses.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

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

If you've already secured a short-term loan, various crucial services are available locally where these funds could be effectively utilized. Medical facilities and car repair shops can address urgent health and mechanical needs, respectively. Additionally, legal services, as well as funeral and appliance repair services, can be accessed to manage unforeseen personal and household challenges.

Car Repair and Service
1426 Campbell Avenue, Cambridge, OH 43725
+1 (740) 439-3011
Car Wash
1704 Southgate Parkway, Cambridge, OH 43725
+1 (220) 577-6011
Club & Association
1300 North 8th Street, Cambridge, OH 43725
+1 (740) 439-7728
College/University
9900 Brick Church Road, Cambridge, OH 43725
+1 (740) 432-6568
Community Center
708 Woodlawn Avenue, Cambridge, OH 43725
+1 (203) 789-1162
Dentist
1111 Clark Street, Cambridge, OH 43725
+1 (740) 255-5707
Fitness Club & Center
118 Jefferson Ave, Cambridge, OH 43725
+1 (740) 432-2084
Government Office
1100 Maple Court, Cambridge, OH 43725
+1 (740) 439-6651
Hospital
1410 Clark Street, Cambridge, OH 43725
+1 (740) 439-2771
Hotel
2035 Southgate Parkway, Cambridge, OH 43725
+1 (740) 432-0140
Library
63500 Byesville Road, Cambridge, OH 43725
+1 (740) 432-7536
Local Post Office
954 Wheeling Avenue, Cambridge, OH 43725
+1 (740) 432-2351
Museum
136 South 9th Street, Cambridge, OH 43725
+1 (740) 432-4245
Pharmacy
1300 Clark Street, Cambridge, OH 43725
+1 (740) 255-5844
Specialist
1432 Clark Street, Cambridge, OH 43725
+1 (740) 439-6664

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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Cambridge ZIP Codes

43725