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Best Online Short-term Loans in Cheraw

Need quick cash? You're not alone, and we've got your back! When unexpected expenses hit, waiting for payday isn't always an option. That's where our Best Cash Advance Short-term Loans step in, providing a fast financial lifeline that gets you through tight spots. Feeling stressed about those urgent bills? Worry no more! Our streamlined process ensures you receive the help you need without the hassle. Dive into a flexible and hassle-free solution designed for your peace of mind. Let us bridge the gap between need and payday with our trusted short-term loans.

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Best Online Short-term Loans in Cheraw

Check Loans of Sc
Loan agency

Address: 201 Jersey St, Cheraw, SC 29520

Today's Business Hours: 9:30 AM - 6:00 PM

Phone Number: +1 (843) 537-7332

Website: check-loans-of-sc-loan-agency.business.site

World Finance
Loan agency
5.00
10 reviews

Address: 528 Chesterfield Hwy, Cheraw, SC 29520

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

Phone Number: +1 (843) 921-4414

Website: loansbyworld.com/locations/south-carolina/cheraw/29520/375

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
1st Franklin Financial
Loan agency
4.90
10 reviews

Address: 1628 State Rd, Cheraw, SC 29520

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

Phone Number: +1 (843) 537-8692

Website: locations.1ffc.com/sc/cheraw/1628-state-road.html

Services:

Installment loans Signature loans Financial Loan Fixed Rates Loans Military Lending Personal Loans Premier Loan Residential Mortgage Retail Sales Financing Sales Financing
Advance America
Financial institution
4.90
10 reviews

Address: 1636 State Rd, Cheraw, SC 29520

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

Phone Number: +1 (843) 537-7554

Website: advanceamerica.net/store-locations/south-carolina/1636-state-road-cheraw-29520

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 12 Months Loan 14 Days Loan Auto Repair Loans Bank Transfers Bill Payments Child Tax Credit Christmas Loans Consumer Credit 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 Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Money Loans Money Management 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 Refinance My Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short Term Loans Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Typical Loans Unsecured Loans
Security Finance
Loan agency

Address: 108 Duvall St, Cheraw, SC 29520

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (843) 537-7821

Website: securityfinance.com/locations/cheraw-sc-0614

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 Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Southern Finance Co
Loan agency

Address: 1147 W Greene St, Cheraw, SC 29520

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (843) 921-6087

Website: mymoneytogo.com/south-carolina-loan-office-locations/personal-loans-cheraw

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repairs Credit Insurance Debt Consolidation Home Loans Loans Refinancing Payment Plan Personal Loans
NFC Payday Advance
Loan agency

Address: 159 2nd St, Cheraw, SC 29520

Today's Business Hours: 9:30 AM - 6:00 PM

Phone Number: +1 (843) 537-2225

Alternatives to Short-term Loans in Cheraw

Short-term loans come in various forms, including personal, installment, and title loans, each catering to different financial needs. Personal loans are often unsecured and can be used for a wide range of purposes, offering borrowers flexibility in their financial planning. Installment loans allow individuals to borrow a specific amount and repay it in fixed, regular payments, making them suitable for those who prefer predictable monthly expenses. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral; these loans are typically for smaller amounts and can offer fast cash access, but they also carry the risk of losing one's vehicle if not repaid promptly.

Best Personal Loan

Southern Finance
4.90
10 reviews

Short-term loans can be a convenient option for individuals in need of quick financial assistance, and one of the best personal loans for short-term use is often provided by credit unions or online lenders. These loans usually have a fixed interest rate and are unsecured, meaning they do not require collateral. They are ideal for covering unexpected expenses or emergencies due to their quick approval process and immediate fund availability. It is crucial to compare various lenders to find competitive rates and terms suitable for the borrower's financial situation.

Best Installment Loan

Hudson Loans Inc
3.70
2 reviews

Installment loans allow borrowers to pay back a set loan amount with interest in fixed, scheduled payments. A prominent choice for installment loans is Upgrade. Upgrade offers competitive rates and transparent terms, allowing borrowers to understand their repayment process thoroughly. Additionally, Upgrade provides customizable loan features, including the ability to choose repayment timelines, empowering borrowers to manage their loan effectively.

Best Car Title Loan

TitleMax Title Secured Loans
5.00
27 reviews

Title loans are short-term secured loans where the borrower uses their vehicle title as collateral. They offer quick access to funds, making them appealing for those in urgent financial need but also come with higher interest rates and risk of losing the vehicle if not repaid on time. The best title loans provide reasonable interest rates, transparent terms, and flexible repayment options, allowing borrowers to regain financial stability without jeopardizing their vehicle ownership. These loans are available through specialized title loan companies, and it's crucial for borrowers to ensure they fully understand the terms and obligations involved.

Loan Regulations in South Carolina

In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.

The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.

Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.

These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.

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

Short-term loans offer flexibility for various urgent expenses, enabling individuals to address immediate financial needs. These funds can be allocated to essential services, such as paying for medical treatments or medication in healthcare facilities, covering unexpected car repairs at local automotive shops, or securing legal representation and advice. Additionally, funds from a short-term loan can assist in managing funeral costs at nearby funeral homes or in purchasing or repairing household appliances from local service providers.

Car Accessories
420 Chesterfield Highway, Cheraw, SC 29520
+1 (843) 537-0927
Car Wash
410 Chesterfield Highway, Cheraw, SC 29520
+1 (843) 537-3525
Club & Association
1064 Highway 1 South, Cheraw, SC 29520 (US Highway 1 South, US-1 North, US Highway 1 North)
+1 (843) 537-5757
College/University
1201 Chesterfield Highway, Cheraw, SC 29520
+1 (843) 921-6900
Community Center
169 Calvary Road, Cheraw, SC 29520
+1 (843) 921-9451
Consumer Electronics
145 2nd Street, Cheraw, SC 29520
+1 (843) 703-2875
Fast Food
427 Chesterfield Highway, Cheraw, SC 29520
Fitness Club & Center
253 2nd Street, Cheraw, SC 29520
+1 (843) 253-5283
Government Office
905 Market Street, Cheraw, SC 29520
+1 (843) 320-9935
Hotel
321 2nd Street, Cheraw, SC 29520
+1 (843) 537-2011
Library
612 Kershaw Street, Cheraw, SC 29520
+1 (843) 537-3571
Local Post Office
91 Calvary Road, Cheraw, SC 29520
+1 (800) 275-8777
Movie Theater
200 Market Street, Cheraw, SC 29520
+1 (843) 537-8445
Rent-a-Car Facility
524 Chesterfield Highway, Cheraw, SC 29520
+1 (843) 537-6250
Shopping Center
316 Westfield Church Road, Cheraw, SC 29520
+1 (843) 623-7907

FAQ

What is a short-term loan?

A short-term loan is a type of credit that is typically repaid over a short period, often ranging from a few weeks to a few months. These loans are designed to provide quick financial relief and are often used for emergencies or unexpected expenses. Short-term loans can include short-term loans, same-day loans, and other similar credit options.

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

Yes, some lenders are willing to provide short-term loans to individuals with bad credit. These lenders focus on other factors such as income and employment status rather than just your credit score. However, be aware that loans for individuals with bad credit may come with higher interest rates.

What is the difference between a short-term loan and a same-day loan?

Short-term loans are a type of short-term loan that is typically due on your next payday. These loans often have high interest rates and fees. Same-day loans are similar in that they are designed for short-term financial needs, but the key feature is that they can be approved and disbursed on the same day, offering quick access to funds.

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

The amount you can borrow with a short-term loan varies depending on the lender and your financial situation. Typically, these loans range from a few hundred dollars to a few thousand dollars. Always borrow only what you need and can afford to repay to avoid financial strain.

What are the risks associated with short-term loans?

Short-term loans come with several risks, including high interest rates and fees. Failing to repay on time can lead to additional charges and negatively impact your credit score. It's important to carefully consider your ability to repay the loan before applying.

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

One of the primary benefits of short-term loans is their fast disbursement. Many lenders offer same-day or next-day funding if the application is approved. The exact timing depends on the lender and your bank's processing times.

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

Yes, there are alternatives to short-term loans for those with bad credit. Consider borrowing from friends or family, negotiating a payment plan with creditors, or seeking assistance from a local community or charitable organization. Additionally, some lenders offer installment loans with longer repayment terms, which may be more manageable.

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Cheraw ZIP Codes

29520