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Best Online Short-term Loans in Duluth

Unlock quick financial relief with our "Best Cash Advance Short-term Loans"! Struggling with unexpected expenses can be stressful, and waiting for traditional loans can feel endless. The urgency can disrupt your peace of mind. But worry no more! Our short-term loans are designed to bridge that gap, offering fast approval and flexible terms to suit your needs. Whether you need to cover an emergency or manage sudden costs, our cash advance solutions provide the support and confidence you need to thrive. Discover financial freedom today with a hassle-free application process. Secure your short-term loan with us now!

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Best Online Short-term Loans in Duluth

Solid Cash Advance
Loan agency
5.00
7 reviews

Address: 8 W Superior St, Duluth, MN 55802

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

Phone Number: +1 (218) 712-1202

Website: solidcadvance.com/locations/duluth

LSS Financial Counseling Services
Credit counsel
4.20
4 reviews

Address: 424 W Superior St #600, Duluth, MN 55802

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

Phone Number: +1 (888) 577-2227

Website: lssfinancialcounseling.org

Services:

Bankruptcy counseling Business credit services Credit monitoring Credit repair Debt management counseling Financial education Home purchase counseling Mortgage refinance counseling Personal loans Budget Counseling Business Development Closing Cost Assistance Programs Consumer Credit Counselors Credit Building Credit Card Credit Improvement Credit Inquiry Credit Report Errors Credit Scoring Customized Services Education Classes Financial Advice Financial Coaching Financial Counselors Financial Support For Mortgage Financing Foreclosure Prevention Counseling Free Credit Report Reviews Home Loan Ongoing Support Retirement Planning Student Loan Counseling Student Loan Counselors Student Loan Repayment
OneMain Financial
Loan agency
4.20
5 reviews

Address: 5115 Burning Tree Rd Suite 303, Duluth, MN 55811

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (218) 722-7791

Website: onemainfinancial.com/branches/mn/duluth/55811/5308

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loansmoving Loans Family Support Financial Loans Funeral Loans Higher Loan Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Total Finance Unsecured Loan Vacation Loans Wedding Loans
Money XChange
Check cash
3.60
10 reviews

Address: 130 W 1st St, Duluth, MN 55802

Today's Business Hours: 10:00 AM - 5:30 PM

Phone Number: +1 (218) 722-3766

North Shore Investment & Trust
Financial institution

Address: 131 W Superior St, Duluth, MN 55802

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

Phone Number: +1 (218) 722-4211

Website: northshore.bank

Services:

Account Administration Auto Insurance Auto Loans Business Accounts Business Banking Business Checking Business Insurance Business Lending Cash Management Services Commercial Real Estate Construction Loans Employee Benefits Plans Estate Planning Financial Plan Home Equity Lines Of Credit Home Equity Loans Home Improvement Loan Home Insurance Homeowners Insurance Individual Retirement Accounts Investment Management Lending Options Life Insurance Loans & Lines Of Credit Mobile Banking Mortgage Insurance Mortgage Lending Mortgage Loans Online Banking & Bill Pay Overdraft Protection Personal Banking Personal Checking Personal Insurance Personal Loans Private Banking Retirement Plan Manage Savings Accounts Small Business Loans Text Banking Trust & Estate Administration Umbrella Insurance Vehicle Loans

Alternatives to Short-term Loans in Duluth

Short-term loans are financial solutions designed to provide quick access to funds and are typically paid back within a short period. Personal loans are unsecured, allowing borrowers to use them for various personal needs without the necessity for collateral. Installment loans require borrowers to pay back the loan in fixed amounts over a predetermined schedule, often accompanied by interest, making budgeting easier. Title loans, however, are secured by using the borrower's vehicle title as collateral, offering quick approval but posing a risk of losing the vehicle if repayments are not made timely. Each type of short-term loan has distinct characteristics, making them suitable for different financial situations and borrower requirements.

Best Personal Loan

Payday America
5.00
10 reviews

Personal loans are a flexible type of short-term loan that can be used for a variety of purposes such as consolidating debt, covering unexpected expenses, or funding a major purchase. These loans are typically unsecured, meaning they don’t require collateral, and are offered by banks, credit unions, and online lenders. One of the best personal loans, known for competitive interest rates and flexible terms, is offered by SoFi. SoFi provides low fees and perks like unemployment protection, making it a popular choice for those seeking flexible short-term financing.

Best Installment Loan

John Shelley at Guaranteed Rate Affinity (NMLS #1200006)
0.00
0 reviews

For short-term installment loans, a popular choice is the traditional bank or credit union installment loan. These loans often come with lower interest rates compared to payday loans or cash advances, making them a more affordable option in the long run. Borrowers also appreciate the structured repayment schedule, which provides a clear path to completing the loan. However, accessing these loans typically requires a good credit score and a more stringent application process than other short-term options.

Loan Regulations in Minnesota

In Minnesota, short-term loan regulations are established state-wide to ensure consistent and fair lending practices. These regulations include a maximum loan amount of $350, aimed at preventing borrowers from accumulating excessive debt. Eligibility criteria for these loans generally require proof of regular income and a valid bank account, with lenders also often considering the borrower’s credit history. The loan terms in Minnesota are structured with a maximum duration of 30 days, catering to the short-term nature of these loans.

Regarding interest rates and fees, Minnesota law stipulates a tiered system based on the loan amount, capping charges to safeguard borrowers from exorbitant costs. These comprehensive regulations are in place to balance the immediacy of financial needs with responsible borrowing and lending practices, offering a protective framework for those seeking short-term loans in Minnesota.

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

If you've recently secured a short-term loan, there are several essential local services where this financial boost can be effectively utilized. Medical expenses, whether for unexpected treatments or routine procedures, can quickly accumulate, making a loan helpful in covering these costs. Additionally, funds from a short-term loan can address immediate needs such as car repairs, legal fees, funeral arrangements, or even appliance services, ensuring you can resolve crucial matters without financial strain.

American Restaurant
917 West Central Entrance, Duluth, MN 55811
Car Repair and Service
4735 Loberg Avenue, Duluth, MN 55811
+1 (218) 722-6989
Car Wash
5244 Midway Road, Duluth, MN 55811
+1 (218) 729-8498
Club & Association
Minnesota Avenue, Duluth, MN 55802
+1 (218) 727-8689
College/University
1049 University Drive, Duluth, MN 55812
+1 (218) 726-8000
Community Center
3001 West Superior Street, Duluth, MN 55806
+1 (218) 481-9200
Dentist
925 East Superior Street, Duluth, MN 55802
+1 (218) 279-6300
Do-It-Yourself Centers
1101 Mall Drive, Duluth, MN 55811
+1 (218) 720-0938
Fitness Club & Center
14 East Saint Marie Street, Duluth, MN 55803
+1 (218) 522-4451
Government Office
110 North 42nd Avenue West, Duluth, MN 55807 (55807-1551)
+1 (218) 730-4491
Hospital
Maple Grove Road, Duluth, MN 55811
+1 (888) 486-7996
Library
520 West Superior Street, Duluth, MN 55802
+1 (218) 730-4200
Local Post Office
215 North Central Avenue, Duluth, MN 55807
+1 (800) 275-8777
Motel
200 South 27th Avenue West, Duluth, MN 55806
Movie Theater
300 Harbor Drive, Duluth, MN 55802
+1 (218) 722-1573

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically scheduled to be repaid within a year. These loans can be an ideal solution for unexpected expenses or financial emergencies, providing quick access to funds.

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

Yes, some lenders specialize in offering short-term loans to individuals with bad credit. However, interest rates may be higher to offset the additional risk to the lender.

What are same-day loans?

Same-day loans are a type of short-term loan designed to deliver funds to the borrower on the day of application approval. This quick processing makes them suitable for urgent financial needs.

Are short-term loans the same as short-term loans?

Short-term loans are a specific type of short-term loan intended to tide you over until your next paycheck. They are known for high interest rates and fees, and should be used cautiously.

How quickly can I receive funds from a short-term loan?

Funds from a short-term loan can often be received as quickly as the same day, although the timeline may vary depending on the lender and application process.

What are the repayment terms for short-term loans?

Repayment terms for short-term loans usually range from a few weeks to several months. Be sure to review the specific terms set by your lender before accepting the loan.

How do I apply for a short-term loan?

To apply for a short-term loan, you typically need to complete an online application with your personal and financial information. The lender will review your application, and if approved, you will receive the loan offer with terms.

Find Short-term Loans Near Me

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Duluth ZIP Codes

55801
55802
55803
55804
55805
55806
55807
55808
55810
55811
55812
55814
55815
55816