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Best Online Short-term Loans in Cranston

Struggling with unexpected expenses? It's stressful when surprise costs hit your wallet. That’s where our Best Cash Advance Short-term Loans come in. We understand the financial pressures of unplanned expenses and offer quick and easy solutions. Bypass the lengthy bank processes; our short-term loans are designed to provide immediate financial relief. Get fast cash without the hassle, so you can focus on what truly matters. Discover the ease of addressing financial hiccups with our streamlined service tailored just for you. Let us be the bridge to your financial well-being today!

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Best Online Short-term Loans in Cranston

Solid Cash Advance
Loan agency
5.00
6 reviews

Address: 23 Midway Rd, Cranston, RI 02920

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

Phone Number: +1 (401) 593-9273

Website: solidcadvance.com/locations/cranston

Services:

Business loans Installment loans Payday loans Title loans Auto Loan Bad Credit Car Loan Boat Financing Boat Loan Loan Program Motorbike Finance No Credit Check Loans Online Loans Quick Cash Advance Quick Loan Short-Term Loan Simple Loan Used Car Loan
EMCAP Lending
Loan agency
5.00
5 reviews

Address: 1140 Reservoir Ave, Cranston, RI 02920

Phone Number: +1 (833) 563-6227

Website: emcaplending.com

Services:

Business loans Payday loans Signature loans Asset Based Lending Asset Based Loans Commercial Bridge Financing Commercial Bridge Loans Commercial Loan Officer Commercial Real Estate Investment Commercial Real Estate Lending Construction Loan Conventional Bank Financing Conventional Loan First Mortgage Loans Fix & Flip Hard Money Bridge Financing Hard Money Lender Hard Money Real Estate Loans Investment Properties Investors Real Estate Lending Loan Lending Private Financing Lending Program Loan Program New Construction No Tax Returns Non-Bank Asset Based Loans Online Loan Private Money Lender Private Real Estate Lender Private Real Estate Lending Property Acquisition Real Estate Development Real Estate Investment Loan Real Estate Investment Loans Renovation Loan Senior Loan Short-Term Loans Traditional Lending Transaction Loan Trust Service Vacation Rental Home Website Design And Development
Advance America
Financial institution
4.90
10 reviews

Address: 500 Dyer Ave c, Cranston, RI 02920

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

Phone Number: +1 (401) 275-0269

Website: advanceamerica.net/store-locations/rhode-island/500-dyer-ave-ste-c-cranston-02920

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bank Transfers Bill Payments Child Tax Credit 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 Immigration Services In-Store Cash Advance Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan 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 Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Unsecured Loans Vehicle Insurance
Ecco Cash Services LLC
Check cash
3.30
2 reviews

Address: 810 Reservoir Ave, Cranston, RI 02910

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

Phone Number: +1 (401) 942-2741

Alternatives to Short-term Loans in Cranston

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

Total Mortgage
5.00
10 reviews

Short-term personal loans are often utilized by individuals who need quick funds to cover unexpected expenses or urgent financial needs. These loans typically have a short repayment period, usually ranging from a few weeks to a few months, and are generally unsecured, meaning no collateral is required. As a result, they often come with higher interest rates compared to other forms of borrowing. The best short-term personal loans are usually those offered by reputable lenders with transparent terms, competitive interest rates, and fast approval processes, allowing borrowers to effectively manage their financial obligations without incurring significant additional costs.

Best Installment Loan

Maria Wieland - Chase Home Lending Advisor - NMLS ID 82185
0.00
0 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

Dimension National Title Company
4.80
10 reviews

Title loans differ from personal and installment loans in that they require the borrower to use their vehicle title as collateral. These loans typically have higher interest rates and shorter terms, but they can be an option for those who need cash quickly and have difficulty qualifying for other types of loans. LoanMart is a leading option in the title loan space, offering competitive rates and flexible terms. Known for its transparent application process, LoanMart ensures that borrowers understand the terms and conditions of the loan, helping them make informed decisions regarding their borrowing needs.

Loan Regulations in Rhode Island

In Rhode Island, short-term loan regulations are designed to protect borrowers while providing access to quick funds. These regulations are state-wide, ensuring consistency across Rhode Island. The state mandates a maximum loan amount of $500 for short-term loans, with a minimum loan term of 13 days, ensuring borrowers have sufficient time to repay without excessive pressure. Interest rates on these loans are capped at 10% of the loan amount, which translates to a maximum Annual Percentage Rate (APR) of around 260% for a two-week loan, a standard rate in comparison to other states.

To be eligible for a short-term loan in Rhode Island, applicants must typically provide proof of income, a valid identification, and a bank account. Lenders are required to disclose all terms and conditions of the loan, including the repayment schedule and any fees before the loan agreement is signed. This transparency is crucial for borrowers to make informed financial decisions. Residents need to be aware of these regulations to ensure they engage with short-term loan services that adhere to state guidelines, safeguarding their financial well-being.

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 strategically used for various immediate needs across several local services. For instance, you can allocate funds to cover unexpected medical expenses, essential car repairs, pressing legal fees, funeral costs, or necessary appliance repairs or purchases. By utilizing the loan for these critical services, you can efficiently manage unforeseeable financial obligations that require prompt attention.

Car Glass Replacement Shop
140 Comstock Parkway, Cranston, RI 02921
+1 (401) 336-6561
Car Wash
1173 Cranston Street, Cranston, RI 02920
+1 (401) 464-9275
Club & Association
61 Hope Road, Cranston, RI 02921
+1 (401) 823-0505
College/University
Garfield Avenue, Cranston, RI 02920
+1 (401) 824-5300
Concert Hall
50 Rolfe Square, Cranston, RI 02910
Dentist
59 Phenix Avenue, Cranston, RI 02920
+1 (401) 464-4999
Doctor
49 Freeway Drive, Cranston, RI 02920
+1 (401) 780-9680
Fitness Club & Center
10 Worthington Road, Cranston, RI 02920
+1 (401) 467-6701
Government Office
Atwood Avenue, Cranston, RI 02920
+1 (401) 943-4540
Hospital
Doric Avenue, Cranston, RI 02910
+1 (401) 562-2244
Hotel
101 New London Avenue, Cranston, RI 02920
Library
140 Sockanosset Crossroad, Cranston, RI 02920
+1 (401) 943-9080
Local Post Office
57 Rolfe Square, Cranston, RI 02910
+1 (401) 781-8647
Museum
1351 Cranston Street, Cranston, RI 02920
+1 (401) 944-9226
Pharmacy
1188 Pontiac Avenue, Cranston, RI 02920
+1 (401) 736-5701

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically repaid within a short period, usually ranging from a few weeks to several months. These loans are designed to provide quick financial assistance for immediate needs.

Can I Get a Short-Term Loan with Bad Credit?

Yes, many lenders offer short-term loans to individuals with bad credit. While your credit score may impact the loan's terms and interest rates, alternative lenders often consider factors beyond credit scores to assess your eligibility.

What is a Short-term Loan and How Does it Work?

A short-term loan is a type of short-term loan intended to cover expenses until your next payday. It is usually a small, unsecured loan with a high interest rate, meant to be repaid in a single lump sum on your next payday.

Are Same-Day Loans Available for Short-Term Needs?

Yes, same-day loans are a type of short-term loan designed to be processed quickly, often with funds disbursed on the same day or within 24 hours. These loans provide immediate financial relief for urgent situations.

What Are the Risks of Taking Out a Short-Term Loan?

Short-term loans can carry high interest rates and fees, leading to potential debt pitfalls if not managed properly. Ensure you can meet the repayment terms to avoid a cycle of debt and potential harm to your credit.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person with a lender that offers these services. The application process generally requires personal information, employment details, and banking information to assess your eligibility and facilitate fund transfer upon approval.

What Should I Consider Before Taking Out a Short-Term Loan?

Before applying for a short-term loan, evaluate your financial needs, explore alternative options, and understand the loan terms carefully. Make sure you have a clear plan for repayment to avoid unnecessary financial strain.

Find Short-term Loans Near Me

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Cranston ZIP Codes

02823
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02907
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02920
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