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Best Online Short-term Loans in Durango

Need cash in a hurry? A financial bind doesn't have to stress you out. Short-term loans are your quick and easy fix! We understand the frustration of unexpected expenses, feeling stuck, and having no way out. Luckily, our Best Cash Advance Short-term Loans offer a fast, reliable solution to get you back on track. Whether it's an emergency repair or a sudden bill, we’re here to help you bridge the gap with flexibility and speed. You deserve a hassle-free way to manage life's surprises. Let us help you find the stability you need.

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Best Online Short-term Loans in Durango

Durango Merchant Services, LLC
Check cash
4.70
10 reviews

Address: 10 Town Plaza #162, Durango, CO 81301

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

Phone Number: +1 (970) 259-8660

Website: durangomerchantservices.com

Services:

Bill paying Business check cashing Account Services Check Processing Credit Card Payment Credit Card Processing Merchant Services Pos Systems Website Design
Speicher Financial Group
Financial institution

Address: 799 E 3rd St Suite 4, Durango, CO 81301

Today's Business Hours: 7:30 AM - 4:00 PM

Phone Number: +1 (970) 828-7000

Website: speicherfg.com

American AgCredit
Bank

Address: 850 E 2nd Ave, Durango, CO 81301

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

Phone Number: +1 (970) 259-1540

Website: agloan.com

Cornerstone Home Lending, Inc. NMLS 404508
Loan agency

Address: 1150A Main Ave, Durango, CO 81301

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

Phone Number: +1 (505) 258-9381

Spectrum Funding LLC
Loan agency

Address: 1111 Camino Del Rio, Durango, CO 81301

Phone Number: +1 (970) 247-1311

Gf Private Equity Group LLC
Loan agency

Address: 175 Mercado St # 201, Durango, CO 81301

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

Phone Number: +1 (970) 764-6300

Services:

Private Equity Venture Capital

Alternatives to Short-term Loans in Durango

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

Arete Mortgage
5.00
10 reviews

Personal loans are a popular choice for those seeking short-term financing solutions, offering the flexibility to borrow funds for various purposes such as debt consolidation, emergency expenses, or personal projects. These loans are typically unsecured, meaning borrowers don't need to provide collateral. An excellent option for personal loans is LightStream, known for its competitive interest rates and the ability to fund loans quickly. With an easy-to-use online application process and a commitment to customer service, LightStream is a top choice for anyone needing fast access to funds while ensuring favorable loan terms.

Best Installment Loan

Tafoya Barrett and Associates PC
5.00
2 reviews

Installment loans are short-term loans that are repaid over a set period through regular monthly payments. These loans can be used for a variety of purposes, such as consolidating debt, making a significant purchase, or covering unforeseen expenses. They offer borrowers the benefit of predictable payment schedules, which can help with budgeting and financial planning. Due to their structured nature, installment loans are generally more manageable than other short-term borrowing options.

Best Car Title Loan

Land Title Guarantee Company
3.00
3 reviews

Title loans provide another short-term solution for individuals who own a vehicle. These loans allow borrowers to use their car's title as collateral to secure a loan. Though this can offer quick access to funds, it poses significant risks if the borrower cannot repay, as defaulting may lead to the loss of the vehicle. Title loans typically come with high-interest rates and are generally used as a last-resort option. Nevertheless, lenders such as TitleMax are often mentioned as preferable due to their straightforward process and flexible terms, although borrowers should exercise extreme caution due to the potential financial consequences.

Loan Regulations in Colorado

Short-term loan regulations are governed by state-wide laws to protect consumers in Colorado. The maximum allowable annual percentage rate (APR) on short-term loans in Colorado is capped at 36%. This significantly reduces the overall cost of borrowing, making it a more affordable option for consumers.

Eligibility requirements for short-term loans typically include being at least 18 years old, having a valid government-issued ID, proof of a steady income source, and an active checking account. Loan terms can vary but often span from a minimum of six months to a maximum of 12 months.

Colorado's short-term loan regulations also restrict borrowers from taking out more than one short-term loan at a time, helping to prevent debt cycles. Lenders are required to provide clear and transparent loan agreements, outlining all terms, fees, and repayment schedules.

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.

Adventure Sports Facility
Main Avenue, Durango, CO 81301
+1 (970) 259-0289
American Restaurant
666 Camino del Rio, Durango, CO 81301
+1 (970) 247-1512
Car Glass Replacement Shop
408 East 8th Avenue, Durango, CO 81301
+1 (970) 247-5112
Car Wash
2401 Main Avenue, Durango, CO 81301
+1 (970) 385-8573
Club & Association
49786 Highway 550, Durango, CO 81301
College/University
701 Camino del Rio, Durango, CO 81301
+1 (970) 385-2000
Community Center
2424 Main Avenue, Durango, CO 81301
+1 (970) 247-1965
Concert Hall
802 East 2nd Avenue, Durango, CO 81301
Dentist
73 County Road 250, Durango, CO 81301
+1 (970) 259-3112
Do-It-Yourself Centers
1301 South Camino del Rio, Durango, CO 81303
+1 (970) 259-7954
Doctor
810 East 3rd Street, Durango, CO 81301
+1 (970) 764-9850
Fitness Club & Center
144 Bodo Drive, Durango, CO 81303
+1 (970) 375-7393
Government Office
250 West 8th Street, Durango, CO 81301
+1 (888) 758-4389
Hospital
46 Suttle Street, Durango, CO 81303
+1 (970) 247-3002
Hotel
150 East 5th Street, Durango, CO 81301
+1 (970) 247-0955

FAQ

What are Short-Term Loans?

Short-term loans are financial products designed to provide quick access to funds for a temporary financial need. They are often easier to qualify for than traditional loans and typically have shorter repayment terms, often ranging from a few weeks to several months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans often have more flexible credit requirements, which can make them accessible to those who may not qualify for other types of financing. However, it's important to note that these loans may come with higher interest rates due to the increased risk to the lender.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan where the approval and disbursement of funds occur on the same day of application. These loans are particularly beneficial for individuals who need immediate financial assistance for emergencies or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are short-term loans that provide small amounts of money and are typically due on your next payday. These loans are often used for emergency expenses, and the repayment is usually expected in one lump sum. Short-term loans are known for their quick processing times but often come with higher fees and interest rates.

What Are the Eligibility Criteria for Short-Term Loans?

Eligibility criteria for short-term loans can vary by lender, but commonly include being at least 18 years old, having a steady source of income, possessing an active checking account, and providing a valid ID. Some lenders may also evaluate credit scores, although many are willing to work with bad-credit applicants.

How Fast 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 or within a few business days, depending on the lender and the time of application. Online lenders tend to provide faster turnaround times than traditional financial institutions.

Are There Risks Associated with Short-Term Loans?

Yes, short-term loans can come with several risks, including high interest rates, short repayment terms, and significant penalties for late or missed payments. It's important to fully understand the terms and conditions of the loan before agreeing, and ensure that you can reasonably meet the repayment obligations.

Find Short-term Loans Near Me

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Durango ZIP Codes

81301
81302
81303
81326