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Best Online Short-term Loans in Dubuque

Struggling with unexpected expenses? Short-term financial strains can cause stress, but you don't have to face them alone. Our Best Cash Advance Short-term Loans are designed to provide quick relief, helping you manage your cash flow without hassles. Say goodbye to the sleepless nights and endless worries. With our easy application process and fast approval, you'll have the funds you need in no time. Experience the freedom that comes with knowing you're covered for life's surprises. Let us be your reliable support for short-term loan solutions.

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Best Online Short-term Loans in Dubuque

Advance America
Financial institution
4.90
10 reviews

Address: 2600 Dodge St Suite C-1, Dubuque, IA 52003

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

Phone Number: +1 (563) 582-0625

Website: advanceamerica.net/store-locations/iowa/2600-dodge-st-suite-c-1-dubuque-52003

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments 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 In-Store Cash Advance Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Loans Grant Manage Loan Money Loans 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 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
River Valley Capital Corporation
Loan agency
3.50
8 reviews

Address: 14868 W Ridge Ln #200, Dubuque, IA 52003

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (563) 584-9800

Website: rivervalleycapital.com

Services:

Business loans Installment loans Financing & Leasing Financing Solutions Semi Truck Semi Truck Financing Trailer Finance Truck Financing
Cash Quick America
Loan agency

Address: 2613 University Ave #2, Dubuque, IA 52001

Phone Number: +1 (563) 582-0011

Alternatives to Short-term Loans in Dubuque

Short-term loans offer borrowers quick access to funds and are typically repaid within a year. Personal loans are unsecured loans provided for various individual needs, often requiring a credit check, with lenders offering flexibility in usage. Installment loans are a type of loan where the borrower receives a lump sum upfront and repays the amount in regular intervals or installments over a specified period; they can be used for a wide range of purposes, from home repairs to unexpected expenses. Title loans, on the other hand, are secured loans that require the borrower to use their vehicle title as collateral, allowing for easy access to funds but often involving higher interest rates and the risk of vehicle repossession if the loan is not repaid.

Best Personal Loan

ECIA Business Growth
5.00
10 reviews

Short-term personal loans are an excellent option for individuals seeking a quick financial boost for personal expenses. These loans are typically unsecured, meaning they do not require collateral, and can be useful in covering unexpected expenses or emergencies. One of the best personal loans in this category usually offers favorable terms such as competitive interest rates, flexible repayment terms, and quick approval processes, making it ideal for borrowers who need funds rapidly.

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

Short-term loans can be strategically used to cover expenses across a variety of essential local services. These include medical costs for urgent care or procedures, car repair bills to keep vehicles operational, legal fees for necessary representation, funeral expenses at local funeral homes, and appliance services for repairing or replacing vital household items. Leveraging short-term loans can provide financial relief in these areas by facilitating access to crucial local service providers.

Car Wash
2779 University Avenue, Dubuque, IA 52001
Club & Association
1800 Admiral Sheehy Drive, Dubuque, IA 52001
+1 (563) 583-6880
College/University
McCormick Street Extension, Dubuque, IA 52001
Community Center
890 Iowa Street, Dubuque, IA 52001
+1 (563) 583-5555
Concert Hall
405 Main Street, Dubuque, IA 52001
+1 (563) 589-4254
Construction Material & Equipment
2175 Southpark Court, Dubuque, IA 52003
+1 (563) 582-3606
Dentist
1082 Cedar Cross Road, Dubuque, IA 52003
+1 (563) 557-7569
Fast Food
1957 Central Avenue, Dubuque, IA 52001
Government Office
50 West 13th Street, Dubuque, IA 52001
+1 (563) 589-4174
Hospital
2699 John F. Kennedy Road, Dubuque, IA 52002
+1 (563) 556-8600
Hotel
1315 Associates Drive, Dubuque, IA 52002
+1 (563) 291-3601
Movie Theater
2835 Northwest Arterial, Dubuque, IA 52002
+1 (563) 582-7801
Museum
140 East 9th Street, Dubuque, IA 52001
+1 (563) 556-0117
Other Repair Shops
10479 Timothy Street, Dubuque, IA 52003
+1 (563) 584-2242
Pharmacy
55 John F. Kennedy Road, Dubuque, IA 52002
+1 (563) 556-3705

FAQ

What are short-term loans?

Short-term loans are a type of financial product designed to provide borrowers with quick access to cash. These loans typically have a short repayment period that can range from a few weeks to a few months. They are often used to cover unexpected expenses or tide over until the next paycheck.

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

Yes, it is possible to secure a short-term loan even if you have bad credit. Many lenders specialize in offering loans to individuals with less-than-perfect credit histories. However, these loans might come with higher interest rates and fees to offset the increased risk to the lender.

How do same-day loans work?

Same-day loans are designed to provide rapid access to funds, often being processed and approved within a single day. Once approved, the loan amount is typically deposited into the borrower's bank account, allowing immediate use of the funds. Applicants need to ensure they meet the lender's requirements for timely processing.

What is a short-term loan?

A short-term loan is a type of short-term loan that is usually due to be paid back on the borrower's next payday. This type of loan is often used for immediate financial needs and can provide quick access to cash. However, short-term loans often come with high interest rates and fees, so it's important to carefully read the terms and conditions.

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

Before taking a short-term loan, consider the following: your ability to repay the loan on time, the total cost of the loan including any fees and interest, and whether the loan is the best solution for your financial situation. Understanding these factors can help you make an informed decision and avoid potential financial pitfalls.

Are there alternatives to short-term loans for those with bad credit?

Yes, there are alternatives to short-term loans for individuals with bad credit. These include borrowing from credit unions, seeking financial assistance programs, using peer-to-peer lending platforms, or negotiating payment plans with creditors. It's important to explore these options to find a solution that minimizes financial risks.

What happens if I can't repay my short-term loan on time?

If you are unable to repay your short-term loan on time, it's crucial to contact your lender immediately to discuss your options. Some lenders may offer extensions or payment plans, but these can come with additional fees and interest. Failing to repay a loan could lead to increased debt, damage to your credit score, and potential legal action from the lender.

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Dubuque ZIP Codes

52001
52002
52003
52004
52068
52099