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Best Online Short-term Loans in Ellensburg

Need cash in a hurry? Life's unexpected challenges don't wait, and neither should you. Finding yourself strapped for cash can be stressful, but our short-term loans offer the quick relief you need. We understand that emergencies happen, and waiting weeks for traditional loans just isn’t an option. With our best cash advance solutions, you can tackle financial hurdles with a simple and swift process. Leave the worry behind and get back to what matters most. Discover how friendly, fast, and hassle-free borrowing can be with our outstanding service. Apply today and conquer those short-term financial bumps effortlessly!

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Best Online Short-term Loans in Ellensburg

Hansen Kevin
Loan agency
5.00
1 reviews

Address: 1206 N Dolarway Rd # 112, Ellensburg, WA 98926

Phone Number: +1 (509) 962-3008

Website: houseloan.com/kevinhansen

Services:

Business loans Installment loans Payday loans Signature loans Consumer Finance Conventional Loans Fha Loans Home Lending Home Loan Process Home Loan Programs Loans Refinance Mortgage Loan Renovation Loans Residential Loan Residential Mortgage Lending Senior Loan
Yakima Federal Savings & Loan Association
Bank
4.90
4 reviews

Address: 201 E 5th Ave, Ellensburg, WA 98926

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

Phone Number: +1 (509) 925-5338

Website: yakimafed.com

WSECU
Credit union
4.00
10 reviews

Address: 604 E University Way, Ellensburg, WA 98926

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

Phone Number: +1 (800) 562-0999

Website: wsecu.org/locations/ellensburg

Alternatives to Short-term Loans in Ellensburg

Short-term loans can be broadly categorized into personal, installment, and title loans, each serving distinct financial needs. Personal loans are unsecured loans that generally do not require collateral and may be used for various purposes, from consolidating debt to unexpected expenses, offering flexible terms. Installment loans, similar to personal loans, are usually repaid in fixed payments over a short period and often come with fixed interest rates, making them predictable and easy to budget for. Title loans, on the other hand, require the borrower to use their vehicle title as collateral, often providing quick access to cash but typically carry higher interest rates and risk of repossession if not repaid on time. Each loan type has its advantages and considerations, making it essential for borrowers to assess their financial situation and repayment ability before committing.

Best Personal Loan

Caliber Home Loans
5.00
10 reviews

Short-term loans offer quick access to funds and are usually repaid within a short period, often ranging from a few weeks to a year. Among the various short-term loan options, personal loans are a popular choice. Personal loans are unsecured, meaning they don't require collateral, making them an attractive option for those who have a good credit score and need funds for personal expenses, such as medical bills or home renovations. They are typically provided by banks, credit unions, or online lenders, and offer fixed interest rates and monthly payments, which can help in budgeting and financial planning.

Loan Regulations in Washington

In Washington, short-term loan regulations are designed to protect consumers while providing access to short-term credit. The state has implemented rules such as a maximum loan amount of $700 or 30% of the borrower’s gross monthly income, whichever is lower. Washington also limits the number of loans to 8 within 12 months. Short-term loan terms must be your next pay date or within 45 days. The Annual Percentage Rate (APR) is capped, with a maximum rate of 391% on a 14-day loan.

Borrowers must be 18 years or older and have a regular income to qualify for a short-term loan. Lenders are also required to provide a clear repayment plan and they must check the state database to ensure borrowers do not exceed the maximum loan limit. These regulations apply statewide, ensuring consistency and protection across all of Washington.

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 short-term loans can utilize the funds for essential services across various local providers. These loans can be directed towards medical needs or expenses at healthcare facilities, addressing urgent car repairs at auto service centers, or fulfilling legal obligations with local attorneys. Additionally, they can cover costs associated with funeral services and needed appliance repairs or replacements.

Car Accessories
1008 South Canyon Road, Ellensburg, WA 98926
+1 (509) 925-5921
Car Wash
311 South Water Street, Ellensburg, WA 98926
+1 (509) 965-4500
Club & Association
6061 Vantage Highway, Ellensburg, WA 98926
+1 (509) 925-8636
College/University
10602 Manastash Road, Ellensburg, WA 98926
+1 (509) 925-6367
Community Center
506 South Pine Street, Ellensburg, WA 98926
+1 (509) 962-7242
Dentist
1206 North Dolarway Road, Ellensburg, WA 98926
+1 (509) 933-2400
Doctor
613 North Pine Street, Ellensburg, WA 98926
+1 (866) 904-7721
Fitness Club & Center
815 East 6th Avenue, Ellensburg, WA 98926
+1 (509) 962-7211
Government Office
501 North Anderson Street, Ellensburg, WA 98926
+1 (509) 962-7245
Hospital
613 North Pine Street, Ellensburg, WA 98926
+1 (866) 904-7721
Hotel
1620 South Canyon Road, Ellensburg, WA 98926
+1 (509) 962-9400
Library
209 North Ruby Street, Ellensburg, WA 98926
+1 (509) 962-7250
Movie Theater
400 East University Way, Ellensburg, WA 98926
+1 (509) 925-7529
Museum
118 East 4th Avenue, Ellensburg, WA 98926
Pharmacy
1516 West University Way, Ellensburg, WA 98926
+1 (509) 201-1144

FAQ

What are Short-term Loans?

Short-term loans are financial products designed to provide quick cash to borrowers who need immediate funds. These loans are typically borrowed for short periods, often from a few weeks to a few months. They are commonly used to cover unexpected expenses or gaps in cash flow.

Can I get a Short-term Loan with Bad Credit?

Yes, you can. Many lenders offer short-term loans to individuals with bad credit, focusing more on your current financial situation and ability to repay the loan, rather than your past credit history. However, interest rates might be higher to compensate for the risk.

How do Same-day Loans work?

Same-day loans are a type of short-term loan where the application process is quickened so that funds can be disbursed on the same day as the application. These loans are beneficial for emergencies and urgent financial needs, with the approval process often conducted online.

Are Short-term Loans the same as Short-term Loans?

Short-term loans are a specific type of short-term loan, typically due on your next payday. While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans can be slightly longer-term and may offer more varied repayment options.

How quickly can I receive funds from a Short-term Loan?

Many lenders who offer short-term loans prioritize speed and efficiency. Once approved, you may receive the funds within a few hours or by the next business day. The exact time may vary depending on the lender's policies and the time of day you apply.

What are the typical interest rates for Short-term Loans?

Interest rates for short-term loans can vary significantly based on the lender, the loan amount, and the borrower's financial profile. Typically, rates are higher than those for long-term loans, reflecting the increased risk to lenders. It's crucial to compare lenders to get the best rate possible.

What should I consider before applying for a Short-term Loan?

Before applying for a short-term loan, consider whether you genuinely need immediate funds and if you're able to comfortably repay the loan according to the terms. Evaluate the total cost of the loan, including fees and interest, and explore alternative funding options to ensure you're making the best financial decision.

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Ellensburg ZIP Codes

98926