Home page Cedar Rapids

Best Online Short-term Loans in Cedar Rapids

Need quick cash relief? When unexpected expenses hit, our Best Cash Advance Short-term Loans offer the speedy solution you need. Forget about the stress and hassle of traditional lending. We understand the urgency and are here to make borrowing easy. Traditional loans can be tedious, leaving you waiting when you don’t have time to spare. Our streamlined application process ensures you get what you need, when you need it, without the wait. Whether it's a car repair or an urgent bill, count on us for immediate financial support. Get back to what matters most with our fast and reliable short-term loans.

Table of content
Jump to

Best Online Short-term Loans in Cedar Rapids

Top Cash Advance
Loan agency
5.00
7 reviews

Address: 2461 Edgewood Rd SW, Cedar Rapids, IA 52404

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

Phone Number: +1 (319) 257-2727

Website: topcadvance.com/locations/cedar-rapids

Services:

Business loans Flex loans Installment loans Payday loans Title loans Auto Loan Bad Credit Car Loan Boat Financing Boat Loan Financing Loans Loan Program Motorbike Finance No Credit Check Loans Online Loans Payment Loans Quick Cash Revolving Loans Short-Term Loan Simple Loan Used Car Loan
Advance America
Financial institution
5.00
10 reviews

Address: 3135 Wiley Blvd SW Ste. 107, Cedar Rapids, IA 52404

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

Phone Number: +1 (319) 390-5800

Website: advanceamerica.net/store-locations/iowa/3135-wiley-blvd-sw-ste-107-cedar-rapids-52404

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Easy Cash Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance 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
Better Bad Credit Loans
Loan agency
5.00
1 reviews

Address: 2605 Edgewood Rd SW, Cedar Rapids, IA 52404

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

Phone Number: +1 (319) 271-3510

Website: betterbadcl.com/locations/cedar-rapids

Services:

Line of credit Payday loans Signature loans Loans Personal Loans No Credit Check Loans Online Bad Credit Loan Personalised Service Quick Cash Loan Quick Online Loan Short-Term Loan Unsecured Loans
Advance Payday Loans
Loan agency
4.70
10 reviews

Address: 411 1st St SE, Cedar Rapids, IA 52401

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

Phone Number: +1 (319) 406-3255

Website: advancepdloans.com/locations/cedar-rapids

Money Station
Check cash
4.50
2 reviews

Address: 1508 1st Ave NE, Cedar Rapids, IA 52402

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

Phone Number: +1 (319) 861-3500

OneMain Financial
Loan agency
3.10
10 reviews

Address: 1121 Blairs Ferry Rd NE #200, Cedar Rapids, IA 52402

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

Phone Number: +1 (319) 377-2332

Website: onemainfinancial.com/branches/ia/cedar-rapids/52402/3827

Services:

Business loans Flex loans Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Cards Debt Consolidation Loans Document Preparation Emergency Loansmoving Loans Family Support Financial Loans Financial Protection And Innovation Funeral Loans Home Improvements Housing Counselors Loan Applications Loan Calculator Loan Insurance Loan Originated Loan Processing Loan Specialist Medical Loans Mortgage Loan Servicer Mortgage Loans Mortgage Originated Mortgage Payment Motor Vehicle Motorcycle Loans Online Account Management Payment Plan Personal & Auto Loans Personal Finance Personal Loans Online Real Estate Mortgage Real Estate Mortgage Loan Refinance Home Repayment Plan Rv Loans Secured Loan Secured Personal Loans Tax Returns Total Finance Unsecured Loan Unsecured Loans Vacation Loans Wedding Loans
Chec King Payday Advance
Loan agency
2.50
8 reviews

Address: 600 Blairs Ferry Rd NE D, Cedar Rapids, IA 52402

Phone Number: +1 (319) 378-0500

Services:

Installment loans Payday loans Easy Cash Financial Loans
Toyota Financial Services
Financial institution
1.60
13 reviews

Address: 5005 N River Blvd NE, Cedar Rapids, IA 52411

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

Phone Number: +1 (319) 221-2800

SAM Self-Service Check Cashing
Check cash

Address: 1556 1st Ave NE, Cedar Rapids, IA 52402

Today's Business Hours: 7:00 AM - 10:00 PM

Phone Number: +1 (319) 364-4196

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

Services:

Business check cashing Government benefits check cashing Money orders Payroll check cashing Student loan check cashing Tax refund check cashing Money order cashing Stimulus check cashing Unemployment Check Cashing Unemployment check cashing
Advance Funding Resources Inc
Loan agency

Address: 2918 Hillmer Dr SW, Cedar Rapids, IA 52404

Today's Business Hours: 8:00 AM - 6:30 PM

Phone Number: +1 (319) 396-9403

Website: expressloansofamerica.com

Advance Payday Loans
Loan agency

Address: 210 3rd Ave SE, Cedar Rapids, IA 52401

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

Phone Number: +1 (319) 406-3255

Website: advancepdloans.com/locations/cedar-rapids

Business Loans Fast
Loan agency

Address: 4403 1st Ave SE #110, Cedar Rapids, IA 52402

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

Phone Number: +1 (319) 449-4997

Services:

Business loans Flex loans Installment loans Line of credit Signature loans Title loans

Alternatives to Short-term Loans in Cedar Rapids

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

Residential Mortgage Network, Inc.
5.00
10 reviews

Short-term loans come in various forms to meet different financial needs. Among the prevalent options, personal loans are often considered the best choice for short-term borrowing. Personal loans typically offer borrowers flexibility with how they use the funds, which can cover unexpected medical expenses, home repairs, or debt consolidation. These loans are generally unsecured, which means no collateral is required. With competitive interest rates and manageable terms, personal loans provide a practical solution for those seeking to borrow smaller amounts over shorter periods.

Best Installment Loan

Kerndt Brothers - Cedar Rapids Bank
3.40
2 reviews

Installment loans are another type of short-term loan that borrowers can consider. Unlike payday loans, which often require full repayment within a short period, installment loans split the amount borrowed over a series of scheduled payments. This arrangement can make it easier for borrowers to manage the repayment process without straining their finances. Rates and terms can vary greatly, so it's essential to research lenders and compare options. Lenders such as Upstart and LendingClub are frequently cited as the best for installment loans due to their personalized service and reasonable terms.

Best Car Title Loan

CarHop Auto Sales & Finance
4.60
25 reviews

Regarding title loans, a car title loan is a common option for those needing fast access to capital. This type of loan uses a borrower’s vehicle title as collateral, allowing them to borrow money quickly based on the value of their car. Title loans can be obtained even by those with poor credit, as the lender’s risk is mitigated by holding the car title as collateral. However, if the borrower fails to repay the loan, there is a possibility of losing the vehicle, which makes it imperative to fully understand the terms and conditions before proceeding with this loan option.

Loan Regulations in Iowa

In Iowa, state-wide regulations for short-term loans are in place to ensure fair and responsible lending practices. These regulations include a cap on the maximum loan amount, which is set at $500, aiming to prevent borrowers from entering a cycle of debt. To be eligible for a short-term loan in Iowa, applicants generally need to demonstrate a stable source of income and have an active bank account, with some lenders also considering credit history.

The loan terms are typically short, and often set to align with the borrower's next paycheck, usually within 31 days. When it comes to rates, Iowa regulates the interest and fees that can be charged on short-term loans. The maximum finance charge is $15 on the first $100 loaned and $10 for each additional $100, thus setting a clear framework for borrowers and lenders. These regulations are designed to provide a balance, offering quick financial solutions while protecting borrowers from excessive fees and unmanageable debt in Iowa.

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

Once you've secured a short-term loan, it can be utilized across various essential service areas. For medical services, the loan can help cover unexpected hospital visits, prescriptions, or necessary medical treatments. If your vehicle requires immediate attention, you can allocate funds towards car repair services, while also having the flexibility to address immediate legal issues or pay for funeral services. Furthermore, should an appliance suddenly malfunction, the loan provides a quick solution to afford repair or replacement costs.

Car Repair and Service
349 4th Avenue Southeast, Cedar Rapids, IA 52401
+1 (319) 423-7060
Club & Association
1100 Rockford Road Southwest, Cedar Rapids, IA 52404
+1 (319) 247-0340
College/University
3726 Queen Court Southwest, Cedar Rapids, IA 52404
+1 (319) 784-1101
Community Center
1026 A Avenue Northeast, Cedar Rapids, IA 52402
+1 (319) 369-8774
Concert Hall
102 3rd Street Southeast, Cedar Rapids, IA 52401
+1 (319) 366-8591
Dentist
4015 Mount Vernon Road Southeast, Cedar Rapids, IA 52403
+1 (319) 560-5190
Do-It-Yourself Centers
4501 1st Avenue Southeast, Cedar Rapids, IA 52402
+1 (319) 294-0480
Doctor
801 N Street Southwest, Cedar Rapids, IA 52404
+1 (920) 683-5278
Fast Food
1334 Edgewood Road Southwest, Cedar Rapids, IA 52404
Fitness Club & Center
7085 C Avenue Northeast, Cedar Rapids, IA 52402
+1 (319) 423-1143
Hospital
3425 1st Avenue Northeast, Cedar Rapids, IA 52402
+1 (877) 849-0765
Hotel
1230 Collins Road Northeast, Cedar Rapids, IA 52402
+1 (319) 294-9407
Library
500 3rd Avenue Southeast, Cedar Rapids, IA 52401
+1 (319) 398-8328
Movie Theater
5340 Council Street Northeast, Cedar Rapids, IA 52402
+1 (319) 393-8942
Museum
4444 1st Avenue Northeast, Cedar Rapids, IA 52402
+1 (319) 363-4629

FAQ

What are short-term loans?

Short-term loans are types of financial products designed to help individuals cover urgent expenses. They are typically small amounts of money borrowed with the expectation of repayment in a short period, usually within a few weeks to a few months. Common types of short-term loans include short-term loans, same-day loans, and cash advances.

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

Yes, individuals with bad credit can still qualify for short-term loans. Many lenders specializing in these loans focus less on credit scores and more on your ability to repay the loan. However, the interest rates on such loans may be higher to offset the risk taken by the lender. It's important to carefully assess your repayment ability before taking a bad-credit loan.

How do short-term loans work?

Short-term loans are short-term loans intended to be paid back on the borrower's next payday. They can be a quick solution for urgent financial needs but often come with high interest rates and fees. Borrowers are required to repay the loan in full when they receive their next paycheck, making it crucial to plan for repayment to avoid additional fees.

What is a same-day loan?

A same-day loan is a type of short-term loan that allows borrowers to receive funds on the same day they apply. These loans are beneficial for emergencies when immediate cash is needed. Approval processes are usually swift, with requirements varying by lender. It's essential to review the terms and conditions before proceeding with a same-day loan.

What are the risks of short-term loans?

While short-term loans can be helpful for immediate financial needs, they come with risks such as high interest rates and fees, which can lead to a cycle of debt if not managed wisely. Borrowers should ensure they can repay the loan by the due date and consider alternative funding options if possible. Failure to repay on time can negatively impact credit scores and lead to additional financial difficulties.

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

The amount you can borrow with a short-term loan varies by lender and your financial situation. Generally, short-term loans range from a few hundred to a few thousand dollars. It's crucial to borrow only what you need and can repay gracefully to avoid excessive debt.

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

Before applying for a short-term loan, evaluate your financial situation to ensure you can afford the loan repayment. Compare different lenders for interest rates, fees, and terms. Read the fine print carefully and avoid lenders with hidden charges. Finally, consider whether alternative funding sources, like borrowing from friends, family, or using savings, can better meet your needs.

Find Short-term Loans Near Me

Jump to city name:

AckleyAdairAdelAftonAgencyAkronAlbert CityAlbiaAlburnettAlgonaAllisonAltoonaAlvordAmanaAmesAnamosaAndrewAnkenyAnthonAplingtonAredaleArmstrongArnolds ParkArthurAsburyAshtonAtkinsAtlanticAudubonAvocaBancroftBeamanBedfordBelle PlaineBellevueBelmondBernardBettendorfBevingtonBlairsburgBlairstownBloomfieldBlue GrassBluffsBonaparteBondurantBooneBoxholmBoydenBredaBrittBrunsvilleBuffaloBuffalo CenterBurlingtonBurtBusseyCalamusCalmarCamancheCantrilCarlisleCarrollCarter LakeCascadeCedar FallsCedar RapidsCenter JunctionCenter PointCentervilleCentral CityCharitonCharles CityCharter OakChelseaCherokeeChurdanCityClarindaClarionClear LakeCleghornClimbing HillClintonCliveClutierCoggonColesburgColfaxCollinsColumbus JunctionConesvilleConradCoon RapidsCoralvilleCorningCorrectionvilleCorwithCorydonCouncil BluffsCrawfordsvilleCrescoCrestonCummingDallas CenterDanburyDanvilleDavenportDaytonDe SotoDecorahDeep RiverDefianceDelmarDenisonDenmarkDenverDes MoinesDewittDikeDonnellsonDoudsDow CityDowsDubuqueDumontDunkertonDyersvilleDysartEagle GroveEarlhamEarlvilleEdgewoodEldoraEldridgeElkaderElkportElmaEmmetsburgEpworthEssexEsthervilleEvansdaleEverlyExiraFairfaxFairfieldFallsFarleyFarnhamvilleFarragutFontanelleForest CityFort AtkinsonFort DodgeFort MadisonFostoriaFredericksburgFrederikaFremontGalvaGarnavilloGarnerGarwinGenevaGeorgeGibsonGilbertvilleGilmore CityGladbrookGlenwoodGliddenGoldfieldGoose LakeGowrieGraettingerGrand JunctionGreeneGreenfieldGrimesGrinnellGrundy CenterGuthrie CenterGuttenbergHalburHamburgHamptonHarcourtHarlanHarpers FerryHartleyHartwickHawardenHawkeyeHedrickHiawathaHintonHolsteinHospersHubbardHudsonHullHumboldtHumestonHuxleyIda GroveIndependenceIndianolaIoniaIowa CityIowa FallsIretonJeffersonJesupJewellJohnstonJoiceKalonaKelloggKeokukKeosauquaKeotaKesleyKimballtonKingsleyKironKnoxvilleLa MotteLa Porte CityLaconaLakeLake CityLake MillsLake ViewLamoniLamontLansingLarchwoodLawlerLawtonLe ClaireLe MarsLedyardLehighLenoxLeonLesterLime SpringsLohrvilleLone TreeLoviliaLowdenLu VerneLuanaLynnvilleLyttonMadridMalvernManchesterManillaManlyManningMansonMapletonMaquoketaMarble RockMarengoMarionMarshalltownMartelleMartensdaleMason CityMaxwellMaynardMcgregorMediapolisMelcher dallasMelvinMerrillMilfordMiloMinburnMissouri ValleyMitchellvilleModaleMoinesMondaminMononaMonroeMontezumaMonticelloMontroseMoraviaMorning SunMovilleMt AyrMt PleasantMt VernonMuscatineNashuaNeolaNevadaNew AlbinNew HamptonNew LondonNew SharonNew VirginiaNewellNewtonNora SpringsNorth EnglishNorth LibertyNorwalkOcheyedanOdeboltOelweinOkobojiOllieOnawaOrange CityOsageOsceolaOskaloosaOssianOttumwaOxford JunctionPacific JunctionPackwoodPaloPanoraParkersburgPatonPaullinaPellaPeostaPerryPiersonPilot GrovePleasant HillPleasantvillePocahontasPolk CityPomeroyPostvillePrairie CityPrestonPrimgharProtivinRadcliffeRandolphReadlynRed OakRedfieldReinbeckRembrandtRemsenRicevilleRichlandRidgewayRingstedRippeyRiversideRock RapidsRock ValleyRockwellRockwell CityRolfeRowleyRunnellsRuthvenSabulaSac CitySalixSanbornSchallerSchleswigSergeant BluffSheldonShell RockShellsburgShenandoahSibleySidneySigourneySioux CenterSioux CitySioux RapidsSloanSolonSpencerSpillvilleSpirit LakeSpringvilleSt AnsgarSt CharlesStacyvilleStanhopeState CenterStorm LakeStory CityStrawberry PointStuartSullySumnerSwaledaleSwea CitySwisherTaborTamaTempletonTerrilThompsonThorntonTiffinTingleyTiptonTitonkaToledoTraerTreynorTripoliTruroUnionUrbandaleVailVan MeterVictorVilliscaVintonWalkerWall LakeWapelloWashingtonWaterlooWatkinsWaucomaWaukeeWaukonWaverlyWaylandWebster CityWellmanWellsburgWest BendWest BranchWest BurlingtonWest Des MoinesWest LibertyWest PointWest UnionWestsideWeverWhat CheerWheatlandWhitingWhittemoreWilliamsburgWiltonWindsor HeightsWinfieldWintersetWodenWoodbineWoodwardWyomingZearing

Cedar Rapids ZIP Codes

52227
52228
52233
52302
52324
52401
52402
52403
52404
52405
52406
52407
52408
52409
52410
52411
52497
52498
52499