Home page Edwardsville

Best Online Short-term Loans in Edwardsville

Struggling with unexpected expenses and need quick cash? Discover how our Best Cash Advance Short-term Loans can be your lifesaver! We understand that financial hiccups can be stressful, and finding a reliable short-term loan solution can be even more challenging. That's why we offer fast, easy, and flexible loans tailored to your needs. Say goodbye to lengthy approvals and complicated paperwork. Our service provides an efficient way to receive the cash you need, when you need it the most. Let us help you regain control of your finances with our streamlined, no-hassle short-term loans. Apply now and breathe easier!

Table of content
Jump to

Best Online Short-term Loans in Edwardsville

World Finance
Loan agency
4.70
10 reviews

Address: 1021 Century Dr, Edwardsville, IL 62025

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

Phone Number: +1 (618) 800-1255

Website: loansbyworld.com/locations/illinois/edwardsville/62025/1093

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns

Alternatives to Short-term Loans in Edwardsville

Short-term loans include various options such as personal, installment, and title loans, each catering to different financial needs. Personal loans are unsecured loans that provide a lump sum of money to be repaid typically within a few months to a year, without the need for collateral. Installment loans offer a structured repayment schedule with fixed monthly payments and are suitable for those seeking predictable budgeting. Title loans, on the other hand, are short-term secured loans where the borrower uses their vehicle as collateral, often resulting in higher interest rates and a faster repayment period, making them a quick but risky option for immediate financial needs.

Best Personal Loan

Steve Lacefield, Mortgage Lender NMLS #1399315
5.00
8 reviews

Short-term loans are financial instruments designed to address immediate cash needs. For personal loans, which are unsecured and awarded based on creditworthiness, the best option often involves lenders offering competitive interest rates, flexibility in repayment terms, and minimal fees. Online lenders and credit unions are popular choices, as they frequently provide lower rates than traditional banks. They also offer a faster application process, which is particularly important for those in urgent need of funds. Evaluating terms and conditions carefully is essential to ensure the best deal.

Best Installment Loan

GCS Credit Union
3.30
0 reviews

For installment loans, a leading option combines both manageable terms and broader access to funds. These loans are characterized by their structured repayment plans, where the borrower pays back the loan amount in equal installments over a predetermined period, which can range from a few months to a couple of years. This setup helps in making budgeting easier for borrowers, as they know exactly how much they need to pay each month. Installment loans are typically chosen by individuals who require a larger amount than what is available via payday loans and prefer a more predictable and manageable repayment schedule.

Best Car Title Loan

Abstracts & Titles Inc
5.00
1 reviews

Regarding title loans, a car title loan is a common option for those needing fast access to capital. This type of loan uses a borrower’s vehicle title as collateral, allowing them to borrow money quickly based on the value of their car. Title loans can be obtained even by those with poor credit, as the lender’s risk is mitigated by holding the car title as collateral. However, if the borrower fails to repay the loan, there is a possibility of losing the vehicle, which makes it imperative to fully understand the terms and conditions before proceeding with this loan option.

Loan Regulations in Illinois

Illinois short-term loan regulations are designed to protect consumers while offering them accessible short-term financial solutions. The state laws cap short-term loan amounts at $1,000 or 25% of the borrower's gross monthly income, whichever is less, to prevent borrowers from taking on unmanageable debt. The maximum term for a short-term loan in Illinois is 120 days, providing more flexibility compared to many other states.

Regarding the costs, lenders are restricted to charging a maximum of $15.50 per $100 borrowed, with a $1 verification fee. Eligibility criteria for these loans generally include proof of income, a bank account, and valid identification. These regulations ensure a balanced approach, providing immediate financial assistance to those in need while safeguarding them from excessive debt and predatory lending practices.

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

Individuals who have taken out a short-term loan can efficiently allocate these funds towards essential local services. Medical providers can receive payment for urgent healthcare needs, car repair shops can be paid for immediate vehicle maintenance, and legal services can address pressing legal concerns. Additionally, funeral services can help manage unexpected end-of-life expenses, while appliance service providers can assist with necessary household repairs, ensuring the loan directly supports critical areas of one's life.

Car Repair and Service
101 East Park Street, Edwardsville, IL 62025
+1 (888) 758-4389
Car Wash
1601 Troy Road, Edwardsville, IL 62025
+1 (618) 650-9224
Club & Association
1121 Saint Louis Street, Edwardsville, IL 62025
+1 (618) 656-7137
College/University
6 Hairpin Drive, Edwardsville, IL 62026
+1 (618) 650-2000
Community Center
1003 North Main Street, Edwardsville, IL 62025
+1 (618) 656-0300
Concert Hall
252 North Main Street, Edwardsville, IL 62025
Dentist
Lewis Road, Edwardsville, IL 62025
+1 (618) 656-9123
Government Office
300 West Park Street, Edwardsville, IL 62025
+1 (618) 656-0292
Grill Restaurant
2511 South State Route 157, Edwardsville, IL 62025
Hotel
6101 Center Grove Road, Edwardsville, IL 62025
+1 (618) 655-3001
Library
112 South Kansas Street, Edwardsville, IL 62025
+1 (618) 692-7556
Local Post Office
5 Sunset Hills Boulevard North, Edwardsville, IL 62025
+1 (800) 275-8777
Movie Theater
6633 Plum Street, Edwardsville, IL 62025
+1 (618) 659-7479
Museum
6165 Center Grove Road, Edwardsville, IL 62025
+1 (618) 655-0337
Rent-a-Car Facility
6463 Center Grove Road, Edwardsville, IL 62025
+1 (618) 655-0365

FAQ

What are short-term loans?

Short-term loans are financial products designed to assist borrowers needing immediate cash to cover emergency expenses or bridge a temporary gap in finances. These loans are typically repaid within a few weeks or months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These lenders often focus more on your current financial situation and income rather than your credit history. However, be aware that these loans may come with higher interest rates due to the increased risk for the lender.

What are same-day loans and how do they work?

Same-day loans are a type of short-term loan where the application process is streamlined to provide funds to borrowers quickly, usually within the same day of approval. Lenders offering same-day loans use online applications and prioritize fast processing to ensure you receive your money promptly.

Are short-term loans different from short-term loans?

Short-term loans are a specific type of short-term loan designed to be repaid on the borrower’s next payday. While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans usually carry higher fees and interest rates, making them a costly option if not repaid swiftly.

How do I apply for a short-term loan?

You can apply for a short-term loan online or in-person at a loan provider's store. The application process generally requires basic personal, financial, and employment information. It's important to compare different lenders to find the best terms and interest rates before applying.

What are the typical requirements to qualify for a short-term loan?

Lenders typically require applicants to be at least 18 years old, have a valid bank account, provide proof of a steady income, and present valid identification. Some lenders may have additional requirements based on their lending criteria and your financial profile.

Are there risks associated with short-term loans?

Yes, short-term loans can be risky due to high interest rates and fees, especially short-term loans. Borrowers may find themselves stuck in a cycle of debt if they continually roll over or extend the loan without paying off the principal. It's essential to carefully assess your ability to repay before borrowing.

Find Short-term Loans Near Me

Jump to city name:

Abbott ParkAbingdonAddisonAlbersAlbionAledoAlgonquinAllendaleAllertonAlsipAltamontAlto PassAltonAmboyAnchorAnnaAnnawanAntiochApple RiverArcolaArenzvilleArgentaArlington HeightsAroma ParkArthurAshkumAshlandAshleyAssumptionAstoriaAthensAtkinsonAtwoodAuburnAugustaAuroraAvaAvistonBadenBannockburnBarringtonBarryBartelsoBartlettBartonvilleBataviaBeardstownBeavervilleBeckemeyerBedford ParkBeecherBeecher CityBellevilleBellwoodBelvidereBementBenldBensenvilleBensonBentonBerkeleyBerwynBethaltoBethanyBiggsvilleBlandinsvilleBloomingdaleBloomingtonBlue IslandBlue MoundBluffsBolingbrookBourbonnaisBradleyBraidwoodBreeseBridgeviewBrimfieldBroadlandsBroadviewBrookfieldBrookportBrownstownBrusselsBuffaloBuffalo GroveBunker HillBurbankBurlingtonBurnhamBurr RidgeBushnellByronCahokiaCairoCalumet CityCalumet ParkCamargoCambridgeCamp GroveCamp PointCampbell HillCantonCantrallCarbondaleCarlinvilleCarlockCarlyleCarmiCarol StreamCarpentersvilleCarrier MillsCarrolltonCartervilleCarthageCaryCaseyCaseyvilleCatlinCave in rockCentraliaCerro GordoChadwickChampaignChannahonChapinCharlestonChathamChatsworthChebanseChenoaCherryChesterChicagoChicago HeightsChicago RidgeChillicotheChrismanChristopherCiceroCisneCissna ParkCityClarendon HillsClay CityClaytonCliftonClintonCoal CityCoal ValleyCobdenCoffeenColchesterColfaxCollinsvilleColonaColumbiaColusaCornlandCortlandCoultervilleCountry Club HillsCountrysideCowdenCreal SpringsCrest HillCrestonCrestwoodCreteCreve CoeurCrossvilleCrystal LakeCullomDahlgrenDalton CityDanvilleDarienDavisDavis JunctionDecaturDeer CreekDeer ParkDeerfieldDekalbDes PlainesDeweyDiamondDieterichDivernonDixDixmoorDixonDoltonDongolaDowners GroveDu BoisDu QuoinDundeeDundee TownshipDupoDurandDwightEarlvilleEast AltonEast DubuqueEast MolineEast PeoriaEast St LouisEdinburgEdwardsEdwardsvilleEffinghamEl PasoElburnEldoradoElginElizabethElizabethtownElk Grove VillageElkhartElkvilleEllynElmhurstElmwoodElmwood ParkEmdenEnergyErieEurekaEvanstonEvansvilleEvergreen ParkFairburyFairfieldFairmont CityFairmountFairview HeightsFarinaFarmer CityFarmersvilleFarmingtonFieldonFillmoreFisherFlanaganFloraFlossmoorForestForest ParkForrestForrestonForsythFox LakeFox River GroveFrankfortFranklinFranklin GroveFranklin ParkFreeburgFreeportFultonGalatiaGalenaGalesburgGalvaGardnerGeneseoGenevaGenoaGeorgetownGerman ValleyGermantownGermantown HillsGibson CityGiffordGillespieGilmanGirardGlasfordGlen CarbonGlen EllynGlencoeGlendale HeightsGlenviewGlenwoodGodfreyGolcondaGoldenGoodfieldGorevilleGraftonGrand ChainGrand RidgeGrand TowerGranite CityGrant ParkGranvilleGraymontGrayslakeGrayvilleGreat LakesGreenupGreenviewGreenvilleGridleyGriggsvilleGroveGurneeHamelHamiltonHampshireHanna CityHanoverHanover ParkHardinHarrisburgHartsburgHarvardHarveyHarwood HeightsHavanaHawthorn WoodsHazel CrestHebronHeightsHennepinHenryHerrickHerrinHerscherHeyworthHickory HillsHighlandHighland ParkHighwoodHillsHillsboroHillsideHinckleyHinesHinsdaleHodgkinsHoffmanHoffman EstatesHomerHomer GlenHometownHomewoodHoopestonHopedaleHoyletonHuntleyHurstHutsonvilleIlliopolisInaIndustryIngrahamInvernessIpavaIroquoisIsland LakeItascaIukaIvesdaleJacksonvilleJacobJerseyvilleJohnsburgJohnston CityJolietJusticeKanevilleKankakeeKarnakKenilworthKentKewaneeKeyesportKildeerKincaidKinderhookKinmundyKirkwoodKnoxvilleLa FoxLa GrangeLa Grange HighlandsLa Grange ParkLa HarpeLa MoilleLa SalleLaconLaddLakeLake BluffLake ForestLake In The HillsLake VillaLake ZurichLakemoorLanarkLansingLawnLawrencevilleLe RoyLebanonLemontLenaLenoxLernaLewistownLexingtonLibertyLibertyvilleLimaLincolnLincolnshireLincolnwoodLisleLitchfieldLoamiLockportLodaLomaxLombardLong GroveLostantLouisvilleLoves ParkLynwoodLyonsMachesney ParkMackinawMacombMaeystownMahometMaldenManhattanManitoMansfieldMantenoMaple ParkMapletonMaquonMarengoMarionMarissaMarkhamMaroaMarseillesMarshallMartinsvilleMartintonMaryvilleMascoutahMason CityMattesonMattoonMaywoodMccookMchenryMcleansboroMcnabbMeadowsMedinahMedoraMelrose ParkMendonMendotaMeredosiaMerrionette ParkMetamoraMetamora TownshipMetropolisMidlothianMilanMilfordMilledgevilleMillstadtMinierMinonkMinookaModestoMokenaMolineMomenceMoneeMonmouthMonroe CenterMontgomeryMonticelloMorrisMorrisonMorrisonvilleMortonMorton GroveMossvilleMoundsMoweaquaMt CarmelMt CarrollMt OliveMt ProspectMt ZionMulberry GroveMundeleinMurphysboroMurrayvilleNapervilleNashvilleNauvooNeogaNeponsetNew AthensNew BadenNew BerlinNew HollandNew LenoxNewmanNewtonNilesNokomisNormalNorridgeNorris CityNorth AuroraNorth ChicagoNorthbrookNorthfieldNorthlakeO'fallonOak BrookOak ForestOak LawnOak ParkOakbrook TerraceOaklandOakwoodOblongOdellOglesbyOkawvilleOlmstedOlneyOlympia FieldsOnargaOneidaOquawkaOrangevilleOreanaOregonOrionOrland HillsOrland ParkOswegoOttawaPalatinePalestinePalmyraPalos HeightsPalos HillsPalos ParkPanaParisParkPark CityPark ForestPark RidgePatokaPaw PawPawneePaxtonPaysonPearl CityPecatonicaPekinPeoriaPeoria HeightsPeotonePercyPeruPetersburgPhiloPinckneyvillePingree GrovePiper CityPittsfieldPlainfieldPlanoPleasant HillPleasant PlainsPoloPontiacPoplar GrovePort ByronPosenPrairie Du RocherPrairie ViewPrincetonPrincevilleProphetstownProspectProspect HeightsPulaskiQuincyRantoulRapids CityRaritanRaymondRed BudRichmondRichton ParkRidgeRidge FarmRidgwayRiver ForestRiver GroveRiverdaleRiversideRiverwoodsRoanokeRobbinsRobertsRobinsonRochelleRock FallsRock IslandRockfordRocktonRolling MeadowsRomeovilleRoodhouseRoscoeRoselleRosemontRosiclareRossvilleRound LakeRound Lake BeachRound Lake HeightsRumaRushvilleSadorusSainte MarieSalemSandovalSandwichSauk VillageSauneminSavannaSavoyScales MoundSchaumburgSchiller ParkScott AfbSesserSewardShabbonaShannonShawneetownSheffieldShelbyvilleSheridanShermanSherrardShilohShipmanShorewoodSidellSidneySigelSilvisSkokieSmithtonSomonaukSouth BeloitSouth ElginSouth HollandSpartaSpeerSpring GroveSpring ValleySpringfieldSpringsSt AnneSt ElmoSt FrancisvilleSt JosephSt LiborySt PeterSt. CharlesStauntonSteelevilleStegerSterlingStewardsonStickneyStillman ValleyStocktonStone ParkStoningtonStrasburgStreamStreamwoodStreatorStronghurstSubletteSugar GroveSullivanSummitSumnerSwanseaSycamoreTable GroveTamaroaTammsTampicoTaylor RidgeTaylorvilleTerraceTeutopolisThird LakeThomasboroThompsonvilleThomsonTinley ParkToledoTolonoTolucaTonicaToulonTremontTrentonTrivoliTroyTuscolaUllinUnionUniversity ParkUrbanaUrsaUticaValmeyerVan OrinVandaliaVarnaVergennesVermontVernonVernon HillsViennaVilla GroveVilla ParkViolaVirdenVirginiaVoloWalnutWarrenWarrenvilleWarsawWascoWashburnWashingtonWaterlooWatermanWatsekaWaucondaWaukeganWaverlyWayne CityWenonaWest ChicagoWest FrankfortWest SalemWestchesterWestern SpringsWestmontWestvilleWheatonWheelingWhite HallWhittingtonWilliamsfieldWillow SpringsWillowbrookWilmetteWilmingtonWinchesterWindsorWinfieldWinnebagoWinnetkaWinslowWinthrop HarborWittWonder LakeWood DaleWood RiverWoodhullWoodlawnWoodridgeWoodstockWorthWyomingXeniaYates CityYorkvilleZion

Edwardsville ZIP Codes

62025
62026
62034
62048
62087