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Best Online Short-term Loans in Chula Vista

Need quick cash but payday is still days away? You're not alone. Many face sudden expenses that disrupt their budgets. This is where our Best Cash Advance short-term loans come to your rescue, offering fast financial relief when you need it most. With a simple application process and speedy approval, you'll have the funds to tackle unexpected bills or emergencies without the stress. Don't let life's surprises catch you off guard - let our reliable short-term loans empower you to stay in control. Apply today and experience a hassle-free solution tailored for your urgent cash needs!

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Best Online Short-term Loans in Chula Vista

Small Business Lending Source
Financial institution
5.00
1 reviews

Address: 2127 Olympic Pkwy, Chula Vista, CA 91915

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

Phone Number: +1 (888) 885-1907

Website: smallbusinesslendingsource.com

Services:

Financing Equipment Financing
Advance America
Financial institution
5.00
17 reviews

Address: 790 Broadway, Chula Vista, CA 91910

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

Phone Number: +1 (619) 409-1596

Website: advanceamerica.net/store-locations/california/790-broadway-chula-vista-91910

Creativo Business Loans
Loan agency
5.00
9 reviews

Address: 333 H St Suite 1025, Chula Vista, CA 91910

Phone Number: +1 (760) 279-8854

Website: creativobusinessloans.com

Services:

Business loans Accounts Receivable Factoring Accounts Receivable Financing Invoice Factoring
ACE Cash Express
Loan agency
4.70
10 reviews

Address: 325 Palomar St, Chula Vista, CA 91911

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

Phone Number: +1 (619) 585-0742

Website: acecashexpress.com/locations/california/chula-vista/4230

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solutions Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Del Toro Loan Servicing
Loan agency
3.90
10 reviews

Address: 2300 Boswell Rd UNIT 215, Chula Vista, CA 91914

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

Phone Number: +1 (619) 474-5400

Moneytree
Loan agency
3.20
10 reviews

Address: 1111 Broadway Suite 308, Chula Vista, CA 91911

Today's Business Hours: 9:00 AM - 8:00 PM

Phone Number: +1 (619) 426-6669

Website: locations.moneytreeinc.com/moneytree-d5c87fe6ab1d

Services:

Bill paying Business loans Cash for gift cards Installment loans Line of credit Money orders Payday loans Signature loans Check Cashing Locations Consumer Loans Credit Counseling Dollar Loans Financial Solution Home Loans Instant Funding Military Lending New Loan Payment Plan Postal Services Prepaid Debit Cards Quick Cash Refinance My Loan Repayment Plan Secured Loans Short-Term Loan Tax Advisor
SDCCU Chula Vista Branch
Credit union
2.80
10 reviews

Address: 303-1 H St, Chula Vista, CA 91910

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

Phone Number: +1 (877) 732-2848

Website: sdccu.com/credit-union-branch-locations/chula-vista-branch

SDCCU EastLake Branch
Credit union
2.60
10 reviews

Address: 2280 Otay Lakes Rd, Chula Vista, CA 91915

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

Phone Number: +1 (877) 732-2848

Website: sdccu.com/credit-union-branch-locations/eastlake-branch

California Modification Group
Loan agency

Address: 251 E St, Chula Vista, CA 91910

Phone Number: +1 (619) 240-3781

Hope Personal Loan's
Financial institution

Address: 925 Redbud Rd, Chula Vista, CA 91910

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

Phone Number: +1 (858) 299-8123

Website: hopepersonalloans.com/locations/chula-vista

Chula Vista Small Business Loans
Loan agency

Address: 173 Rivera Ct, Chula Vista, CA 91911

Phone Number: +1 (855) 819-4204

Website: allsmallbusinessloans.com/chula-vista-ca

Alternatives to Short-term Loans in Chula Vista

Short-term loans offer quick financial assistance with different options tailored to varying needs. Personal loans are typically unsecured and can be used for a variety of purposes, offering a swift solution without the need for collateral, although they generally come with higher interest rates. Installment loans provide a structured repayment plan, allowing borrowers to pay back in fixed monthly amounts over a short period, making budgeting easier and predictable. Title loans, on the other hand, require the borrower to use their vehicle as collateral, allowing for rapid access to cash but risking asset forfeiture if payments are not met. Each type serves distinct financial situations, with personal loans offering versatility, installment loans providing planned repayments, and title loans delivering secured, quick cash access.

Best Personal Loan

Gibran Suffy - Planet Home Lending
5.00
30 reviews

Personal loans are a versatile type of short-term loan that allows borrowers to meet various financial needs such as consolidating debt, covering unexpected expenses, or funding large one-time purchases. These loans are typically unsecured, which means they do not require collateral, and are available through banks, credit unions, or online lenders. They often come with fixed interest rates and structured monthly payments, making it easier for borrowers to budget and plan their finances effectively.

Best Installment Loan

World Wide Credit Corporation - Mirna Rios
5.00
10 reviews

Installment loans are structured to provide the borrower with a fixed loan amount, which is repaid over a set period through regular installments. These loans offer predictability due to their fixed interest rates and repayment schedules, helping borrowers effectively manage their budgets. The best installment loans typically feature favorable terms such as low-interest rates, reasonable fees, and flexibility in repayment terms tailored to the borrower’s financial circumstances. They can be obtained through various financial institutions, including banks, online lenders, and peer-to-peer lending platforms.

Best Car Title Loan

Trust Car Title Loans
4.30
6 reviews

Title loans provide a fast cash solution for those who own a vehicle and require immediate financing. In this type of loan, the borrower uses their vehicle's title as collateral while still retaining possession of the vehicle itself. Title loans are a viable option for those with poor credit scores, as the lender primarily considers the value of the vehicle. However, these loans usually come with high interest rates and fees, and failing to repay could result in losing one's vehicle. They are best suited for short-term emergency expenses when other options are not available.

Loan Regulations in California

Navigating the world of short-term loans, installment loans or car title loans in California requires a solid understanding of regulations. Borrowers can only loan up to $300 with a maximum fee of 15% of the loan amount. These loans have a maximum term of 31 days but no minimum duration. Rollovers aren't permitted, and there's a mandatory cooling-off period between loans. For those considering bridge loans or online short-term loans, staying updated with state-wide regulations is crucial.

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 individuals who have secured a short-term loan, there are various local service providers where these funds can be utilized. Medical services, car repair shops, legal consultation practices, funeral services, and appliance repair centers are among the essential sectors where such loans might be directed.

Car Wash
215 Woodlawn Avenue, Chula Vista, CA 91910
+1 (619) 476-0881
Club & Association
732 3rd Ave, Chula Vista, CA 91910
+1 (619) 498-1574
College/University
Bay Boulevard, Chula Vista, CA 91910
+1 (619) 563-7450
Community Center
840 Duncan Ranch Road, Chula Vista, CA 91914
+1 (619) 691-5269
Concert Hall
2050 Entertainment Circle, Chula Vista, CA 91911
Dentist
345 F Street, Chula Vista, CA 91910
+1 (619) 420-5811
Doctor
435 H Street, Chula Vista, CA 91910
+1 (855) 736-2783
Fitness Club & Center
821 Kuhn Drive, Chula Vista, CA 91914
+1 (619) 934-9934
Government Office
276 4th Avenue, Chula Vista, CA 91910
+1 (619) 691-5001
Hospital
525 3rd Ave, Chula Vista, CA 91910
+1 (858) 499-2600
Hotel
946 Broadway, Chula Vista, CA 91911
+1 (619) 691-6868
Library
365 F Street, Chula Vista, CA 91910
+1 (619) 691-5069
Local Post Office
340 Oxford Street, Chula Vista, CA 91911
+1 (800) 275-8777
Movie Theater
555 Broadway, Chula Vista, CA 91910
+1 (619) 371-9105
Museum
360 3rd Ave, Chula Vista, CA 91910
+1 (619) 476-5373

FAQ

What are short-term loans?

Short-term loans are financial products intended to provide quick access to funds, usually for a small amount of money over a brief time frame. They are ideal for emergencies or unexpected expenses that require immediate attention.

Can I get a short-term loan if I have bad credit?

Yes, many lenders offer short-term loans to individuals with bad credit. These loans usually have higher interest rates, but they provide an option for those who may not qualify for traditional loans due to their credit history.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive the requested funds on the same day they apply. These loans are designed for rapid processing to help address urgent financial needs.

How do short-term loans work?

Short-term loans are a form of short-term borrowing where a lender extends high-interest credit based on a borrower's income. The borrowed amount is typically repaid on the borrower's upcoming payday through automatic bank transfers or a post-dated check.

What are the typical requirements for a short-term loan?

While requirements vary by lender, common prerequisites include proof of steady income, an active bank account, and identification verification. Some lenders might also require you to be at least 18 years old and residing in the same state as the lender.

Are there alternatives to short-term loans?

Yes, alternatives to short-term loans include personal loans from a bank or credit union, borrowing from friends or family, using a credit card, or tapping into an emergency fund. Each alternative has its own advantages and drawbacks, depending on your financial situation.

What should I consider before taking a short-term loan?

Before opting for a short-term loan, assess your ability to repay the loan on time considering the high interest rates and fees commonly associated with these loans. Make sure to thoroughly research and compare terms from multiple lenders to ensure you select the most favorable option.

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Chula Vista ZIP Codes

91902
91908
91909
91910
91911
91912
91913
91914
91915
91921
91950
92154