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Best Online Short-term Loans in Eugene

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 Eugene

United Finance
Loan agency
4.60
10 reviews

Address: 1142 Willagillespie Rd #12, Eugene, OR 97401

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (541) 342-7671

Website: unitedfinance.com/home/office/eugene

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Account Management Auto Finance Auto Loan Refinancing Auto Loans Auto Repairs Automobile Financing Bad Credit Loans Bill Consolidation Loan Consumer Finance Consumer Loans Credit Card Debt Debt Consolidation Easy Loan Finance Calculator Finance Loan Finance Management Financial Assistance Financial Education High Yield Certificates Home Personal Loans Industrial Loan Investment Services Loan Processing Loan Refinancing Loan Signing Loan Specialist Local Loan Medical Expenses Motorcycle Loan New Car No Credit Check Loans Online Bill Payment Other Personal Loans Personal Loans Quick Loan Rebuild Credit Recreational Vehicle Retirement Plan Same Day Funding Same Day Loan Traditional Loans Unsecured Loans Used Auto Used Auto Loan Used Car Loan Used Cars Used Vehicle Vehicle Financing
TriMark Legal Funding LLC
Financial institution
4.10
10 reviews

Address: 1056 Green Acres Rd UNIT 102, Eugene, OR 97408

Phone Number: +1 (877) 932-2628

Website: tlfllc.com

Services:

Attorney Funding | Accelerate Your Legal Fees Law Firm Funding Post Settlement Lawsuit Funding Pre Settlement Funding
ACE Cash Express
Loan agency
4.00
16 reviews

Address: 895 W 7th Ave, Eugene, OR 97402

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (541) 345-2274

Website: acecashexpress.com/locations/oregon/eugene/3141

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Pac West Credit
Loan agency
3.00
10 reviews

Address: 1600 Valley River Dr #290, Eugene, OR 97401

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

Phone Number: +1 (541) 868-2595

Website: pacwestcredit.com

Services:

Signature loans Title loans Auto Loans Personal Auto Loan
Credit Concepts Inc
Financial institution
2.90
10 reviews

Address: 220 W 7th Ave, Eugene, OR 97401

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

Phone Number: +1 (541) 342-8545

Website: creditconcepts.com

Services:

Auto Financing Auto Loans Automobile Financing Consumer Loans Loan Financing Personal Loans Title Loan Vehicle Loan
Eliot Management Group
Loan agency
1.00
2 reviews

Address: 1400 Executive Pkwy # 220, Eugene, OR 97401

Phone Number: +1 (541) 681-9000

Sokol Enterprises
Loan agency

Address: 701 High St # 301, Eugene, OR 97401

Phone Number: +1 (541) 683-4664

JSS Business Loans
Loan agency

Address: 3373 Cape Hatteras Dr, Eugene, OR 97408

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

Phone Number: +1 (541) 214-2103

Alternatives to Short-term Loans in Eugene

Short-term loans come in various forms, primarily including personal, installment, and title loans. Personal loans are unsecured and typically used for unforeseen expenses, offering flexibility in terms of use and repayment, but they often come with higher interest rates due to the lack of collateral. Installment loans require regular, scheduled payments and are generally tied to a fixed interest rate, making them predictable and easier to budget for over a specified term. Title loans, on the other hand, are secured loans where the borrower uses their vehicle’s title as collateral, providing quick access to funds but posing the risk of losing the vehicle if the loan is not repaid on time. Each of these short-term loan types comes with its own set of benefits and drawbacks, tailored to the borrower's specific financial needs and situations.

Best Personal Loan

Paramount Mortgage Co
5.00
18 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

Melissa Smith, Finance of America Mortgage LLC
5.00
5 reviews

Installment loans provide another effective form of short-term borrowing, typically allowing borrowers to repay in equal monthly payments over a set period. These loans can accommodate a range of financial needs, from home repairs to debt consolidation, offering flexibility in terms and repayment structures. Achieving the best deal often involves comparing lenders with competitive rates and transparent fee structures to ensure affordability and manageability over the loan's duration.

Best Car Title Loan

Montana Capital Car Title Loans
5.00
10 reviews

Title loans, which use the borrower's vehicle title as collateral, are another type of short-term loan, typically chosen by those who need quick cash and may not have another borrowing option due to poor credit. One of the best and widely used options for title loans is the single-payment title loan. In this type, borrowers provide the title of their vehicle and receive a loan amount that is a percentage of their car’s value. While these loans offer an easy and fast approval process, they come with high-interest rates and the risk of losing the vehicle if the loan is not repaid on time. Borrowers should ensure they can meet the repayment terms before opting for this type of loan.

Loan Regulations in Oregon

Oregon has established state-wide regulations for short-term loans to safeguard borrowers and ensure fair lending practices. The maximum loan amount a borrower can take out is $50,000, provided the amount does not exceed 25% of the borrower's net monthly income if they earn $60,000 per year or less. Short-term loan terms must be at least 31 days, with the law capping the maximum APR (Annual Percentage Rate) on a short-term loan at 36%. In addition to this, lenders can charge an origination fee once per loan, and these fees are also regulated.

Borrowers must be residents of Oregon and provide proof of income to establish eligibility for a short-term loan. Furthermore, rollovers are prohibited, and borrowers cannot have more than one outstanding short-term loan at a time.

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 offer flexibility for various urgent expenses, enabling individuals to address immediate financial needs. These funds can be allocated to essential services, such as paying for medical treatments or medication in healthcare facilities, covering unexpected car repairs at local automotive shops, or securing legal representation and advice. Additionally, funds from a short-term loan can assist in managing funeral costs at nearby funeral homes or in purchasing or repairing household appliances from local service providers.

Adventure Sports Facility
West 3rd Avenue, Eugene, OR 97401
+1 (541) 484-9535
Car Repair and Service
90710 Huntley Court, Eugene, OR 97408
+1 (541) 484-1928
Club & Association
2300 Oakmont Way, Eugene, OR 97401
+1 (541) 345-2230
College/University
2155 Bailey Hill Rd, Eugene, OR 97405
+1 (541) 485-1780
Community Center
2025 Washington Street, Eugene, OR 97405
+1 (541) 682-5311
Dentist
31395 Coburg Bottom Loop Road, Eugene, OR 97408
+1 (541) 653-9188
Fitness Club & Center
224 West Broadway, Eugene, OR 97401
+1 (541) 485-9643
Government Office
204 Jefferson Street, Eugene, OR 97402
+1 (541) 357-4720
Hospital
4242 Commerce Street, Eugene, OR 97402
+1 (541) 687-2255
Library
1 Eugene Center, Eugene, OR 97401
+1 (541) 682-5087
Motel
3690 Glenwood Drive, Eugene, OR 97403
+1 (541) 687-2395
Movie Theater
180 East 5th Avenue, Eugene, OR 97401
+1 (541) 762-1700
Museum
2300 Leo Harris Parkway, Eugene, OR 97401
Opera House
1590 Willamette Street, Eugene, OR 97401
+1 (541) 485-3985
Pharmacy
2828 Chad Drive, Eugene, OR 97408
+1 (541) 342-5701

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick cash to borrowers in need. They are typically repaid within a short period, such as a few weeks or months, unlike traditional loans which have longer repayment terms.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These lenders consider various factors beyond your credit score to assess your loan application, making it possible for people with poor credit histories to access these loans.

What are same-day loans?

Same-day loans are a type of short-term loan where the application and approval process is expedited, allowing you to receive the funds on the same day you apply. This makes them an attractive option for those who need immediate financial assistance.

How do short-term loans differ from other short-term loans?

Short-term loans are a specific type of short-term loan typically intended to cover expenses until your next payday. They usually have higher interest rates and shorter repayment terms compared to other short-term loans.

What are the typical eligibility requirements for short-term loans?

The eligibility criteria for short-term loans may include being at least 18 years old, having a steady income source, and a valid bank account. Specific requirements vary by lender, but these are the most common.

Are there any risks associated with short-term loans?

Yes, short-term loans often come with high interest rates and fees, which can make them expensive if not paid off promptly. Borrowers might find themselves in a cycle of debt if they repeatedly take out loans they cannot repay on time.

How can I apply for a short-term loan?

Applying for a short-term loan can usually be done online or in person at a lender's physical location. The process involves filling out an application form, providing personal and financial information, and in some cases, documentation to verify your identity and income.

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Eugene ZIP Codes

97401
97402
97403
97404
97405
97408
97440