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Best Online Short-term Loans in Cicero

Need quick cash to tackle urgent expenses? You're not alone! Many face unexpected financial hurdles. Short-term loans provide the swift relief you need. Juggling bills and emergencies can be stressful—let us ease that burden. Our Best Cash Advance Short-term Loans offer a fast, hassle-free solution to your immediate cash needs. No complicated processes or lengthy waits, just straightforward access to the funds you need, when you need them. Say goodbye to financial stress and hello to peace of mind today!

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Best Online Short-term Loans in Cicero

DolEx Dollar Express
Financial institution
4.00
2 reviews

Address: 5703 Cermak Rd, Cicero, IL 60804

Today's Business Hours: 8:30 AM - 7:00 PM

Phone Number: +1 (888) 246-2527

Website: dolex.com

Services:

Top Ups Bill Pay
Illinois Currency Exchange
Check cash
3.10
5 reviews

Address: 5619 Roosevelt Rd, Cicero, IL 60804

Today's Business Hours: 7:00 AM - 8:00 PM

Phone Number: +1 (708) 863-4300

Website: mycurrencyexchange.com

Services:

Business check cashing Cashier's checks Money transfers Payday loans Tax refund check cashing Atm Service Broad Range Of Financial Services Card Cash Cash Advance Cash Transportation Credit Cards Debit Card Unload Fax Services Foreign Currency Exchange Gift Card Income Tax Preparation License Plate Renewals License Plates & City Stickers Login Services Notary Public Prepaid Debit Cards Prepaid Phone
Illinois Currency Exchange
Check cash
2.70
6 reviews

Address: 5140 W Cermak Rd, Cicero, IL 60804

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

Phone Number: +1 (708) 652-0758

Website: mycurrencyexchange.com

Services:

Business check cashing Cashier's checks Money transfers Payday loans Tax refund check cashing Atm Service Broad Range Of Financial Services Card Cash Cash Advance Cash Transportation Credit Cards Debit Card Unload Fax Services Foreign Currency Exchange Gift Card Income Tax Preparation License Plate Renewals License Plates & City Stickers Login Services Notary Public Prepaid Debit Cards Prepaid Phone
Illinois Currency Exchange
Check cash
2.20
10 reviews

Address: 2800 S Cicero Ave, Cicero, IL 60804

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

Phone Number: +1 (708) 652-8720

Website: mycurrencyexchange.com

Services:

Business check cashing Cashier's checks Money transfers Payday loans Tax refund check cashing Atm Service Broad Range Of Financial Services Card Cash Cash Advance Cash Transportation Credit Cards Debit Card Unload Fax Services Foreign Currency Exchange Gift Card Income Tax Preparation License Plate Renewals License Plates & City Stickers Login Services Notary Public Prepaid Debit Cards Prepaid Phone
Cash Loans
Loan agency

Address: Cicero, IL 60804

Alternatives to Short-term Loans in Cicero

Short-term loans are financial products designed to address immediate funding needs with varying terms and conditions. Personal loans offer a versatile option, generally unsecured, requiring no collateral and allowing borrowers to use the funds for various purposes. Installment loans provide another flexible solution, enabling individuals to borrow a fixed amount of money and repay it through scheduled payments over a predetermined period, typically at a fixed interest rate. Title loans, on the other hand, are secured loans that use the borrower's vehicle title as collateral, making them a quick but risky way to secure funds, often with higher interest rates and the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

Cicero Title Loans
5.00
9 reviews

Short-term loans offer quick financial solutions for various needs, and personal loans are a popular option within this category. Best personal short-term loans typically have lower interest rates compared to payday loans and can be used for a wide range of personal expenses such as medical bills, home repairs, or unexpected emergencies. They usually require a good credit score, but some lenders also accommodate individuals with fair or poor credit ratings by offering higher interest rates or requiring a co-signer.

Best Installment Loan

Windy City HomeBuyer
5.00
10 reviews

Installment loans are another type of short-term loan where the best options are characterized by their predictable repayment schedules and reasonable interest rates. These loans are repaid over several installments, making them a suitable choice for borrowers who prefer consistent monthly payments. The application process for installment loans is generally hassle-free, and they can be secured or unsecured, providing flexibility for borrowers who need to manage unexpected expenses while maintaining financial stability.

Best Car Title Loan

Illinois Title Loans, Inc
4.80
13 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 Illinois

Illinois short-term loan regulations are designed to protect consumers while offering them accessible short-term financial solutions. The state laws cap short-term loan amounts at $1,000 or 25% of the borrower's gross monthly income, whichever is less, to prevent borrowers from taking on unmanageable debt. The maximum term for a short-term loan in Illinois is 120 days, providing more flexibility compared to many other states.

Regarding the costs, lenders are restricted to charging a maximum of $15.50 per $100 borrowed, with a $1 verification fee. Eligibility criteria for these loans generally include proof of income, a bank account, and valid identification. These regulations ensure a balanced approach, providing immediate financial assistance to those in need while safeguarding them from excessive debt and predatory lending practices.

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 a short-term loan has been secured, it can be utilized for various urgent expenses through local service providers. This includes covering costs for medical services such as hospital bills or medical procedures, car repair shops for essential vehicle maintenance, legal services for unexpected legal fees, funeral services for burial or memorial expenses, and appliance services for necessary repair or replacement of household items. These providers cater to immediate needs, making them viable options for the practical application of short-term loan funds in times of need.

American Restaurant
3300 South Cicero Avenue, Cicero, IL 60804
Car Repair and Service
5111 West Ogden Avenue, Cicero, IL 60804
+1 (708) 222-6745
Club & Association
5346 West 35th Street, Cicero, IL 60804
+1 (708) 863-9388
College/University
3801 South Central Avenue, Cicero, IL 60804
+1 (708) 656-8000
Community Center
2250 South 49th Avenue, Cicero, IL 60804
+1 (708) 982-3617
Do-It-Yourself Centers
2803 South Cicero Avenue, Cicero, IL 60804
+1 (708) 863-9600
Fitness Club & Center
2506 South Laramie Avenue, Cicero, IL 60804
Government Office
4900 West 30th Place, Cicero, IL 60804
+1 (708) 652-2385
Library
5444 West 34th Street, Cicero, IL 60804
+1 (708) 863-8440
Movie Theater
4779 South Cicero Avenue, Cicero, IL 60804
+1 (708) 416-3980
Pharmacy
3040 South Cicero Avenue, Cicero, IL 60804
+1 (708) 391-2118
Shopping Center
2601 South Cicero Avenue, Cicero, IL 60804
Theater
2137 Lombard Avenue, Cicero, IL 60804
+1 (708) 863-5555
Veterinarian
5732 West Cermak Road, Cicero, IL 60804
+1 (708) 652-1040

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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Cicero ZIP Codes

60804