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Best Online Short-term Loans in Des Moines

Need a quick financial boost? Short-term loans can be your lifesaver in unexpected cash crunch situations. The problem of sudden expenses can be stressful, leaving you scrambling for solutions. Whether it's a medical bill or a car repair, waiting isn't an option. Agitated by the urgency and lack of resources, many find themselves overwhelmed. Our Best Cash Advance Short-term Loans service provides a hassle-free solution, offering quick funds to navigate through tough times. Say goodbye to financial stress and let us help you regain peace of mind today!

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Best Online Short-term Loans in Des Moines

Advance America
Financial institution
5.00
25 reviews

Address: 5132 SE 14th St, Des Moines, IA 50320

Phone Number: +1 (515) 285-8474

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bank Transfers Consumers Loans Credit Counseling Debt Management Dollar Loans Electronic Bank Emergency Loans Expanded Loan Financial Plan Financial Services Home Improvement Home Loans Money Loans Money Order Services Money Orders Money Transfer Service Money Transfer Services Moneygram® Services Netspend® Visa® Prepaid Card New Loan Online Cash Advances Online Lending Online Personal Loan Personal Finances Prepaid Cards Quick Loan Refinance Loan Revolving Credit Secured Loans Short Term Loan Single Repayment Loan Small Loans Term Lending Term Loans Unsecured Loans Vehicle Insurance
Opportunity Business Loans
Loan agency
5.00
4 reviews

Address: 4820 SE 14th St #176, Des Moines, IA 50320

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

Phone Number: +1 (515) 606-1581

Website: oppbusinessloans.com/location/des-moines

Services:

Business loans Flex loans Line of credit Payday loans Signature loans Accounts Receivables Asset-Based Financing Assisted Living Auto Repair Bridge Loans Commercial Building Commercial Real Estate Lender Commercial Real Estate Property Construction Loan Program Credit Card Debt Customized Loan Debt Financing Equipment Financing Estate Loan Facility Financing Financial Advisors Financing Financing Financing Options Financing Solutions Flexible Payment Plans Foreign National Loan Program Hard Money Loans Home Improvements Hospitality Loans Hotel Loans Insurance Plans International Lending Investment Property Loans Invoice Factoring Invoice Financing Loans Legal Services Lending Programs Marketing Services Merchant Cash Advance Mortgage Lending Mortgage Programs Personal Finances Personal Financial Personal Secured Loans Personal Unsecured Loans Practice Financing Real Estate Investment Real Estate Investors Renovating Your Home Residential Loans Residential Mortgages Restaurant Financing Restaurant Lending Restaurant Loans Revolving Credit Short-Term Financing Short-Term Loan Traditional Mortgage Truck Financing Working Capital
Advance Personal Loans
Loan agency
5.00
8 reviews

Address: 2106 Echo Valley Dr, Des Moines, IA 50321

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

Phone Number: +1 (515) 585-6615

Website: advanceploans.com/locations/des-moines

Services:

Installment loans Payday loans Signature loans Loans Personal Loans No Credit Check Loans Online Bad Credit Loans Online Personal Loans Personalised Service Quick Cash Quick Online Loan Short-Term Loan Unsecured Loans
Solid Cash Advance
Loan agency
5.00
7 reviews

Address: 4501 Fleur Dr, Des Moines, IA 50321

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

Phone Number: +1 (515) 575-2952

Website: solidcadvance.com/locations/des-moines

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
Advance America
Financial institution
4.90
13 reviews

Address: 2480 E Euclid Ave, Des Moines, IA 50317

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

Phone Number: +1 (515) 265-7100

Website: advanceamerica.net/store-locations/iowa/2480-e-euclid-des-moines-50317

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debit Card Loans Debt Management Dollar Loans Easy Cash Loans Emergency Loans Existing Loan Expanded Loan Fast Cash Loans Financial Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans Money Services Money Transfers Netspend® Visa® Prepaid Card Netspend® Visa® Prepaid Cards New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinancing Options Registration Loans Repayment Plan Secured Loan Security Security Online Account Authentication Fraud Prevention Short Term Loan Short Term Loans Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Terms Finance Unsecured Loans Vehicle Insurance
Check `n Go
Loan agency
4.80
10 reviews

Address: 2705 SW 9th St Ste 3, Des Moines, IA 50315

Phone Number: +1 (515) 243-6666

Check Into Cash
Financial institution
4.40
10 reviews

Address: 4125A University Ave, Des Moines, IA 50311

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

Phone Number: +1 (515) 255-2443

Website: local.checkintocash.com/us/ia/des-moines/4125-a-university-ave

Services:

Cash Advance Check Cashing Services Financial Services Home Loans In Store Cash Loans Loan By Phone Loan Funds New Loan Online Lending Online Loan Application Quick Cash Quick Money Registration Loan Retail Loans Small Loan Term Loans Bill Pay Western Union Money Transfer Western Union Money Orders Gift Card Exchange Pre-paid U.S. Money Visa Debit Card
Corporation for Economic Development in Des Moines
Loan agency

Address: 2331 University Ave Suite 203, Des Moines, IA 50312

Phone Number: +1 (515) 512-1613

Website: ceddm.com

Services:

Business loans Signature loans Assisted Living Conventional Loan Development Loans Equipment Financing Financial Assistance Government Financing Leasehold Improvements Loan Processing Loan Programs Long Term Financing Personalized Service Real Estate Loan Sba 504 Loans
Vassa Commercial Capital LLC
Loan agency

Address: 309 Court Ave #337, Des Moines, IA 50309

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (515) 875-4950

Alternatives to Short-term Loans in Des Moines

Short-term loans are financial products designed to offer quick cash solutions for immediate needs. Personal loans typically provide unsecured borrowing for a brief term, often requiring basic borrower qualifications and boasting flexible usage. Installment loans, on the other hand, are structured with fixed monthly payments over a specified duration, making them ideal for consumers looking to manage repayments comfortably. Lastly, title loans involve using a vehicle title as collateral, offering a rapid influx of funds but typically at the risk of losing the vehicle if the loan is not repaid promptly. Each type caters to specific needs and circumstances, with varying terms, rates, and risks involved.

Best Personal Loan

Check Into Cash
5.00
10 reviews

Personal loans are a popular type of short-term borrowing option typically used for consolidating debt, covering emergency expenses, or financing major purchases. These loans are unsecured, meaning they don't require collateral, and are offered by banks, credit unions, and online lenders. The best personal loans often come with competitive interest rates, flexible repayment terms, and no additional fees, making them suitable for individuals looking to borrow smaller amounts with manageable repayment plans.

Best Installment Loan

New American Funding - Isaac Young
5.00
7 reviews

Installment loans are another type of short-term loan option, providing borrowers with a lump sum of money to be repaid in regular installments over a predetermined period. These loans are typically more structured and offer better predictability regarding repayment schedules, making them an attractive choice for individuals who prefer consistency. Interest rates for installment loans can vary based on the lender and borrower's creditworthiness, but they tend to be more affordable than payday loans. When choosing the best short-term installment loan, borrowers should look for options with flexible terms, reasonable fees, and the ability to accommodate their specific financial needs and repayment capabilities.

Best Car Title Loan

AmericAuto Financing, LLC
5.00
0 reviews

Title loans are a form of secured loan where borrowers use their vehicle title as collateral. These loans are advantageous for individuals who need quick access to cash and are confident in their ability to repay the loan swiftly, often within 30 days. While title loans can offer fast approval and no credit check, they come with significant risks, such as high-interest rates and fees. Additionally, failure to repay on time can lead to the loss of the borrower's vehicle. Thus, title loans are typically recommended only as a last resort for borrowers who are in immediate need of funds and possess a clear plan to repay the loan promptly.

Loan Regulations in Iowa

In Iowa, state-wide regulations for short-term loans are in place to ensure fair and responsible lending practices. These regulations include a cap on the maximum loan amount, which is set at $500, aiming to prevent borrowers from entering a cycle of debt. To be eligible for a short-term loan in Iowa, applicants generally need to demonstrate a stable source of income and have an active bank account, with some lenders also considering credit history.

The loan terms are typically short, and often set to align with the borrower's next paycheck, usually within 31 days. When it comes to rates, Iowa regulates the interest and fees that can be charged on short-term loans. The maximum finance charge is $15 on the first $100 loaned and $10 for each additional $100, thus setting a clear framework for borrowers and lenders. These regulations are designed to provide a balance, offering quick financial solutions while protecting borrowers from excessive fees and unmanageable debt in Iowa.

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 those who have secured a short-term loan, several local service providers offer essential support in critical areas. These funds can be directed towards medical expenses for unexpected health emergencies, car repair services to ensure reliable transportation, and legal services for any urgent legal matters. Additionally, the loan can assist with funeral costs during difficult times or cover the expense of necessary appliance repairs or replacements, helping maintain everyday conveniences.

College/University
3200 Grand Avenue, Des Moines, IA 50312
+1 (515) 271-1400
Community Center
845 South 60th Street, West Des Moines, IA 50266
+1 (515) 225-3850
Concert Hall
831 42nd Street, Des Moines, IA 50312
+1 (515) 277-6261
Dentist
2707 Easton Boulevard, Des Moines, IA 50317
+1 (515) 265-0339
Fast Food
902 East Euclid Avenue, Des Moines, IA 50316
Fitness Club & Center
5918 Southeast 14th Street, Des Moines, IA 50320
+1 (515) 287-0424
Government Office
412 Fleur Drive, Des Moines, IA 50321
+1 (515) 280-5176
Hospital
1111 6th Avenue, Des Moines, IA 50314
+1 (515) 247-4400
Library
5800 Fleur Dr, Des Moines, IA 50321
+1 (515) 283-4912
Local Post Office
2323 Forest Avenue, Des Moines, IA 50311
+1 (800) 275-8777
Movie Theater
1207 25th Street, Des Moines, IA 50311
+1 (515) 277-0404
Museum
4700 Grand Avenue, Des Moines, IA 50312
+1 (515) 277-4405
Pharmacy
411 Laurel Street, Des Moines, IA 50314
+1 (515) 247-4444
Rent-a-Car Facility
2602 McKinley Avenue, Des Moines, IA 50321
+1 (515) 285-9650
Shop
3707 6th Avenue, Des Moines, IA 50313
+1 (515) 423-0608

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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Des Moines ZIP Codes

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