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Best Online Short-term Loans in Chesapeake

Need quick cash to cover unexpected expenses? Short-term loans can be your lifesaver! You're not alone when emergencies pop up and your paycheck isn't enough to cover them. This is where our Best Cash Advance Short-term Loans step in to offer a fast and easy solution to your financial challenges. Avoid the stress of financial shortfalls and get the money you need quickly. With our straightforward process, securing a short-term loan has never been easier. Rely on us for the peace of mind and financial flexibility you deserve!

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Best Online Short-term Loans in Chesapeake

Westview Financial Services
Loan agency

Address: 4105 Chesapeake Square Blvd #105, Chesapeake, VA 23321

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

Phone Number: +1 (757) 337-4547

Website: westviewfinance.com

Services:

Business loans Installment loans Microloans Signature loans Title loans Auto Loans Automated Loan Automotive Loans Bill Consolidation Loans Car Repairs Consumer Finance Current Loans Easy Loans Financial Services Home Equity Loans Home Improvement Loans Home Repairs Loan Solutions New Car Online Personal Loans Quick Loans Roof Repairs Small Loan Tax Returns Unsecured Personal Loans
Lendmark Financial Services LLC
Loan agency
4.80
10 reviews

Address: 4107 Portsmouth Blvd Suite 114, Chesapeake, VA 23321

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

Phone Number: +1 (757) 638-1579

Website: lendmarkfinancial.com/branches/va/chesapeake/23321

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
Check Into Cash
Financial institution
4.80
10 reviews

Address: 1200 N Battlefield Blvd Suite 103104, Chesapeake, VA 23320

Phone Number: +1 (757) 547-1221

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advance Cash Advances Cash Now Check Cashing Services Credit Card Credit Solutions Financial Services Home Loans Loan By Phone Loan Funds Loan Options New Loan Online Lending Online Loan Application Prepaid Card Quick Cash Quick Money Registration Loan Registration Loans Retail Loans Small Loan Term Loans
OneMain Financial
Loan agency
3.90
10 reviews

Address: 1200 N Battlefield Blvd #122, Chesapeake, VA 23320

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

Phone Number: +1 (757) 436-4050

Website: onemainfinancial.com/branches/va/chesapeake/23320/4774

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loans Moving Loans Family Support Financial Loans Funeral Loans Higher Loan Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Total Finance Unsecured Loan Vacation Loans Wedding Loans
Westview Financial Services
Loan agency
3.50
7 reviews

Address: 1701 Parkview Dr, Chesapeake, VA 23320

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

Phone Number: +1 (757) 227-3909

Website: westviewfinance.com

Services:

Business loans Installment loans Microloans Signature loans Title loans Auto Loans Automated Loan Automotive Loans Bill Consolidation Loans Car Repairs Consumer Finance Current Loans Easy Loans Financial Services Home Equity Loans Home Improvement Loans Home Repairs Loan Solutions New Car Online Personal Loans Quick Loans Roof Repairs Small Loan Tax Returns Unsecured Personal Loans
First Virginia
Loan agency
3.20
6 reviews

Address: 4411A Indian River Rd, Chesapeake, VA 23325

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

Phone Number: +1 (757) 938-9933

Website: ccfi.com/firstvirginialoans

Services:

Bill paying Business check cashing Business loans Business tax preparation Cash for gift cards Flex loans Government benefits check cashing Installment loans Line of credit Payday loans Payroll check cashing Personal check cashing Signature loans Student loan check cashing Tax refund check cashing Title loans Express Loan Notary Services Prepaid Cards Tax Preparation Western Union
Lendmark Financial Services LLC
Loan agency
3.10
10 reviews

Address: 927 N Battlefield Blvd Suite 100, Chesapeake, VA 23320

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

Phone Number: +1 (757) 447-6475

Website: lendmarkfinancial.com/branches/va/chesapeake/23320

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
Truist
Bank
2.00
10 reviews

Address: 100 Volvo Pkwy Suite 100, Chesapeake, VA 23320

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

Phone Number: +1 (757) 436-5062

Website: truist.com/locations

Small Business Loans
Loan agency

Address: 801 Windsor Point, Chesapeake, VA 23320

Phone Number: +1 (855) 375-7410

Website: allsmallbusinessloans.com/chesapeake-va-area

Services:

Business loans Line of credit Payday loans Accounts Receivable Financing Equipment Financing Merchant Cash Advance Term Loan
CPS
Loan agency

Address: 860 Greenbrier Cir # 600, Chesapeake, VA 23320

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

Phone Number: +1 (757) 420-3650

Finance Co
Loan agency

Address: 860 Greenbrier Cir # 600, Chesapeake, VA 23320

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

Phone Number: +1 (757) 523-3909

Alternatives to Short-term Loans in Chesapeake

Short-term loans offer financial solutions for urgent needs and come in various forms such as personal loans, installment loans, and title loans. Personal loans are unsecured and can be used for various purposes, often with higher interest rates due to the lack of collateral. Installment loans allow borrowers to repay the borrowed amount in fixed monthly payments over a specified period, making budgeting easier. Title loans require the borrower to use a vehicle as collateral, enabling quick access to funds but also posing the risk of losing the vehicle if the loan is not repaid. Each type caters to different financial situations and borrowing needs, offering flexibility but often at a higher cost compared to traditional loans.

Best Personal Loan

Shikma Rubin, Mortgage Advisor, NMLS ID #1114873
5.00
12 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.

Best Installment Loan

Mr EZ Pawn
4.00
10 reviews

Installment loans are a type of short-term loan where the borrower agrees to pay back the loan amount in fixed monthly payments over a predetermined period. This predictability can ease the financial burden on the borrower, as they can budget their payments more effectively. The best installment loans offer competitive interest rates and flexible terms to meet the borrower's needs. These loans are typically available from banks, credit unions, and online lenders, making them quite accessible.

Best Car Title Loan

TitleMax
5.00
24 reviews

Title loans provide a unique alternative for borrowers who own a vehicle and are in immediate need of cash. By using their car title as collateral, individuals can secure a short-term loan without the need for a credit check. The best title loans don’t charge exorbitant interest rates and have reasonable terms that prevent the borrower from falling into a cycle of debt. However, given the risk of losing their vehicle if they default on the loan, borrowers are advised to carefully assess their ability to repay the loan within the agreed timeframe.

Loan Regulations in Virginia

Virginia enforces specific regulations for short-term loans to protect consumers and ensure fair lending practices. The state has set a maximum short-term loan amount of $2500 with a minimum four-month term and a maximum 24-month term. The Annual Percentage Rate (APR) for short-term loans in Virginia is capped at 36%, with a maximum loan fee of 20% of the loan amount and a verification fee not exceeding $5. This regulatory framework aims to prevent excessive debt and the cycle of borrowing that can occur with higher-cost loans.

Borrowers in Virginia must meet certain eligibility criteria to qualify for short-term loans, including being at least 18 years old, having a regular source of income, and possessing an active checking account. Lenders are required to provide clear and understandable terms and must ensure borrowers can repay the loan. These regulations are applicable statewide, ensuring that all short-term loan transactions in Virginia are conducted within these guidelines, thereby safeguarding the interests of the borrowers across the state.

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 who have taken out a short-term loan can allocate the funds for a variety of essential service providers in their area. These services include medical treatments, which cover both emergency and routine procedures, as well as crucial car repair facilities to ensure their vehicle's safety and functionality. Additionally, they can manage urgent legal consultations, cover funeral expenses, or invest in appliance repair services to maintain household operations.

Car Wash
608 Pavilion Drive, Chesapeake, VA 23322
+1 (757) 645-9608
Club & Association
2210 Cedar Road, Chesapeake, VA 23323
+1 (757) 558-8751
College/University
2901 Guenevere Drive, Chesapeake, VA 23323
+1 (757) 558-5347
Construction Material & Equipment
1021 Eden Way North, Chesapeake, VA 23320
+1 (757) 392-1613
Dentist
109 Gainsborough Square, Chesapeake, VA 23320
+1 (757) 842-7296
Fast Food
2212 South Military Highway, Chesapeake, VA 23320
Fitness Club & Center
1040 Volvo Parkway, Chesapeake, VA 23320
Government Office
1635 Cedar Road, Chesapeake, VA 23322
+1 (757) 389-5408
Hospital
Battlefield Boulevard North, Chesapeake, VA 23320
+1 (757) 312-6800
Hotel
2436 Gum Road, Chesapeake, VA 23321
+1 (757) 465-2222
Library
298 Cedar Road, Chesapeake, VA 23322
+1 (757) 410-7104
Local Post Office
3810 Indian River Road, Chesapeake, VA 23325
+1 (800) 275-8777
Movie Theater
600 Jarman Rd, Chesapeake, VA 23320
+1 (844) 462-7342
Museum
312 Cedar Road, Chesapeake, VA 23322
+1 (757) 547-7827
Rent-a-Car Facility
3333 Western Branch Boulevard, Chesapeake, VA 23321
+1 (757) 638-1203

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick funds with the expectation of repayment over a brief period, generally ranging from a few weeks to a few months. They are often used to cover unexpected expenses or immediate cash flow gaps.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans typically have higher interest rates to offset the increased risk, but they can be an accessible option for those who need urgent funds and have a less-than-perfect credit history.

Are same-day loans available?

Yes, some lenders offer same-day loan options. These loans are designed to provide rapid access to funds, often within hours of approval. However, eligibility criteria may be strict, and fees and interest rates may be higher compared to longer-term loans.

What’s the difference between a short-term loan and other short-term loans?

Short-term loans are a type of short-term loan specifically intended to cover expenses until your next paycheck. They usually feature small loan amounts and high interest rates. Other short-term loans might offer slightly longer repayment terms or different fee structures.

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

The borrowing limit for short-term loans can vary depending on the lender and the borrower’s creditworthiness. Generally, short-term loans range from $100 to $5,000, but for short-term loans, the limit might be smaller.

What are the risks of taking a short-term loan?

Short-term loans often come with high interest rates and fees, making them costly over time if not managed carefully. Additionally, failing to repay these loans on time can lead to additional fees, potential harm to credit scores, and debt cycles.

How can I apply for a short-term loan?

Applying for a short-term loan typically involves completing an online application form, which requires personal, financial, and employment information. Once submitted, lenders review the application and, if approved, funds are usually deposited directly into the borrower’s bank account.

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Chesapeake ZIP Codes

23320
23321
23322
23323
23324
23325
23326
23327
23328