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Best Online Short-term Loans in Cuyahoga Falls

Need cash fast? That's where short-term loans come in! Life’s unexpected expenses can throw your budget off balance. Those unplanned bills and emergencies can keep you up at night. But don't worry! Our Best Cash Advance Short-term Loans service is the quick, reliable solution you need. Designed to help you overcome financial hiccups without the stress, you’ll find the cash you need right at your fingertips. Get back to your day with peace of mind and a secure financial future. Apply now and move past your financial hurdles with ease!

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Best Online Short-term Loans in Cuyahoga Falls

Third Federal Savings & Loan
Bank
5.00
3 reviews

Address: 490 Howe Ave, Cuyahoga Falls, OH 44221

Today's Business Hours: 9:00 AM - 4:00 PM

Phone Number: +1 (330) 945-6500

Website: thirdfederal.com

Alternatives to Short-term Loans in Cuyahoga Falls

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

Liberty Tax
4.70
8 reviews

Short-term personal loans are a convenient option for individuals who need quick access to funds. These loans are typically unsecured, meaning they do not require collateral, making them popular among borrowers who may not have valuable assets to pledge. Personal loans offer flexible borrowing amounts and terms, which can be useful for covering unexpected expenses or bridging financial gaps. The best personal short-term loans usually present competitive interest rates, low fees, and a straightforward application process, making them accessible to a broader range of borrowers, including those with varying credit backgrounds.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

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 already obtained a short-term loan, there are several local service providers where the funds can be effectively utilized. Medical services offer necessary treatments and consultations, while car repair shops can address urgent vehicle maintenance needs. Additionally, legal services can provide essential assistance, funeral services ensure a dignified process during difficult times, and appliance services handle unexpected home equipment malfunctions.

Car Wash
1675 Portage Trail, Cuyahoga Falls, OH 44223
Club & Association
2307 Sackett Avenue, Cuyahoga Falls, OH 44223
+1 (330) 923-3714
College/University
2800 Tifft Street, Cuyahoga Falls, OH 44221
+1 (330) 926-1282
Community Center
1850 2nd Street, Cuyahoga Falls, OH 44221
+1 (330) 929-9579
Concert Hall
Hudkins Drive, Cuyahoga Falls, OH 44223
+1 (330) 672-3884
Dentist
1212 Portage Trail, Cuyahoga Falls, OH 44223
+1 (330) 928-7571
Do-It-Yourself Centers
325 Howe Avenue, Cuyahoga Falls, OH 44221
+1 (330) 922-3448
Fast Food
1792 State Road, Cuyahoga Falls, OH 44223
Fitness Club & Center
69 Graham Road, Cuyahoga Falls, OH 44223
+1 (330) 697-3272
Government Office
2310 2nd Street, Cuyahoga Falls, OH 44221
+1 (330) 971-8180
Hospital
718 Graham Road, Cuyahoga Falls, OH 44221
+1 (330) 929-9106
Hotel
1989 Front Street, Cuyahoga Falls, OH 44221
+1 (330) 929-3000
Library
2015 3rd Street, Cuyahoga Falls, OH 44221
+1 (330) 928-2117
Local Post Office
3345 State Road, Cuyahoga Falls, OH 44223
+1 (330) 928-9137
Movie Theater
2925 State Road, Cuyahoga Falls, OH 44223
+1 (330) 928-4520

FAQ

What is a short-term loan?

A short-term loan is a type of financing where the borrower is expected to repay the loan amount, along with any interest or fees, within a short period, typically within a few weeks to a few months. These loans are often used to cover unexpected expenses or financial gaps until the borrower's next paycheck.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans are often referred to as bad-credit loans. However, interest rates and fees might be higher compared to those offered to borrowers with good credit.

Are there same-day loans available?

Yes, same-day loans are available and can be a convenient option in urgent situations. Lenders may offer quick approval and fund disbursement, allowing borrowers to access cash on the same day they apply. It's important to thoroughly review the terms and conditions as these loans typically have higher fees and interest rates.

How do short-term loans work?

Short-term loans are a type of short-term loan where the borrower is required to repay the loan amount on their next payday. Typically, the borrower writes a post-dated check for the loan amount plus fees, or authorizes the lender to electronically withdraw funds from their bank account. These loans are high-interest and can lead to a cycle of debt if not managed carefully.

What are the usual requirements for obtaining a short-term loan?

Although requirements can vary by lender, common requirements for short-term loans include being at least 18 years old, having a regular source of income, and holding an active checking account. Some lenders may also require proof of identification and residency.

What are the risks associated with short-term loans?

Short-term loans often come with high fees and interest rates, which can lead to a cycle of borrowing if not repaid on time. Failure to repay can also result in additional fees, potential damage to your credit score, and legal action from the lender.

How can I apply for a short-term loan?

To apply for a short-term loan, you can typically complete an online application on a lender's website, or visit a physical location if available. After providing the necessary information and documentation, the lender will review your application and inform you of their decision, often within a few hours. If approved, funds are usually transferred via direct deposit into your bank account.

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Cuyahoga Falls ZIP Codes

44221
44223
44224
44264
44313
44333