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Best Online Short-term Loans in Federal Way

Strapped for cash? Short-term loans are your quick solution when unexpected expenses hit! Life can be unpredictable, and financial hurdles often come when least expected. This is where our Best Cash Advance Short-term Loans step in, providing the funds you need, right when you need them. Skip the stress and endless paperwork; our streamlined process ensures you get the cash fast. Whether it's an emergency repair or a necessary purchase, we offer reliable, hassle-free solutions. Don't let a short-term financial gap disrupt your peace. Apply today and regain your financial stability with ease.

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Best Online Short-term Loans in Federal Way

DB Squared, Inc.
Loan agency

Address: 33320 9th Ave S #200, Federal Way, WA 98003

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

Phone Number: +1 (866) 855-3640

Mariner Finance
Loan agency
4.60
10 reviews

Address: 31883 Gateway Center Blvd S, Federal Way, WA 98003

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

Phone Number: +1 (253) 733-3069

Website: marinerfinance.com/locations/washington/mariner-finance-location-in-federal-way-wa

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Apply For Financing Auto Refinancing Loans Auto Secured Loan Car Refinancing Car Refinancing Loans Consumer Finance Credit Card Payments Current Loan Customer Support Debt Consolidation Loan Fha Loans Finance A Used Car Financing Online Home Equity Loan Home Improvement Loans Home Loans Mortgage Loans Home Loans Resources Home Mortgage Home Refinance Industrial Loan Loan By Phone Loan Car Loans Loan Finance Loan Program Loan Solutions Mortgage Broker Mortgage Personal Loans Motor Vehicle New Car Loans Online Personal Loan Payment Plan Personal Financial Personal Loan Online Purchasing Or Refinancing Refinance Loans Refinance To A Lower Rate Residential Mortgage Lending Residential Mortgage Loan Sales Finance Sell Your Home Small Loan Special Day Tax Returns Unexpected Expenses Loans Unsecured Personal Loans Used Car Loans Vacation Financing Vacation Loans Vehicle Loan Wedding Loans debt consolidation loans
Moneytree
Loan agency
4.40
10 reviews

Address: 31625 Pacific Hwy S A, Federal Way, WA 98003

Today's Business Hours: 9:00 AM - 8:00 PM

Phone Number: +1 (253) 941-2274

Website: locations.moneytreeinc.com/moneytree-f570778a40dd

Services:

Bill paying Business loans Cash for gift cards Installment loans Line of credit Money orders Money transfers Payday loans Personal check cashing Signature loans Title loans Check Cashing Locations Checking Accounts Consumer Loans Credit Counseling Credit Reporting Current Loan Financial Education Financial Solution Home Loans Investment Advice Military Lending New Loan Online Payments Postal Services Prepaid Debit Cards Quick Cash Refinance My Loan Repayment Plan Secured Loans Short-Term Loan Tax Advisor Term Loan Western Union Wire Transfer
OneMain Financial
Loan agency
3.20
10 reviews

Address: 34512 16th Ave S ste b, Federal Way, WA 98003

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

Phone Number: +1 (253) 838-4956

Website: onemainfinancial.com/branches/wa/federal-way/98003/772

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
Le Jessie
Loan agency

Address: 720 S 333rd St #100, Federal Way, WA 98003

Phone Number: +1 (253) 202-3390

MLS Funding Federal Way
Loan agency

Address: 33400 9th Ave S, Federal Way, WA 98003

Phone Number: +1 (253) 312-2026

Alternatives to Short-term Loans in Federal Way

Short-term loans offer quick financial assistance with different options tailored to varying needs. Personal loans are typically unsecured and can be used for a variety of purposes, offering a swift solution without the need for collateral, although they generally come with higher interest rates. Installment loans provide a structured repayment plan, allowing borrowers to pay back in fixed monthly amounts over a short period, making budgeting easier and predictable. Title loans, on the other hand, require the borrower to use their vehicle as collateral, allowing for rapid access to cash but risking asset forfeiture if payments are not met. Each type serves distinct financial situations, with personal loans offering versatility, installment loans providing planned repayments, and title loans delivering secured, quick cash access.

Best Personal Loan

Kayla Rae Smith | Fairway Independent Mortgage Corporation Loan Officer
5.00
10 reviews

Short-term personal loans are often utilized by individuals who need quick funds to cover unexpected expenses or urgent financial needs. These loans typically have a short repayment period, usually ranging from a few weeks to a few months, and are generally unsecured, meaning no collateral is required. As a result, they often come with higher interest rates compared to other forms of borrowing. The best short-term personal loans are usually those offered by reputable lenders with transparent terms, competitive interest rates, and fast approval processes, allowing borrowers to effectively manage their financial obligations without incurring significant additional costs.

Best Installment Loan

Kory Han, Finance of America Mortgage LLC
0.00
0 reviews

Installment loans offer a reliable short-term financing option for those needing a lump sum of money paid back over a series of scheduled payments or installments. This type of loan is characterized by its predictable repayment plan, usually involving fixed interest rates and equal monthly payments over the loan's term. Installment loans are accessible through various financial institutions, including banks, credit unions, and online lenders, and they can cater to diverse needs like home improvements, medical expenses, or educational purposes.

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 secured a short-term loan have several options for utilizing these funds across various local service providers. In the medical sector, the loan can cover urgent medical expenses, such as consultations and treatments. For car repair needs, it can be applied to service costs or essential parts replacement. Additionally, the loan can address legal service fees for consultations or court representations, funeral service expenditures, and cover the cost of repairing or replacing household appliances.

Car Wash
31458 Pacific Highway South, Federal Way, WA 98003
+1 (253) 941-0436
Club & Association
31736 50th Lane Southwest, Federal Way, WA 98023
+1 (206) 225-6823
College/University
1500 South 336th Street, Federal Way, WA 98003
+1 (253) 802-5310
Community Center
876 S 333rd St, Federal Way, WA 98003
+1 (253) 835-6900
Dentist
2016 South 320th Street, Federal Way, WA 98003
+1 (253) 839-8106
Do-It-Yourself Centers
1715 South 352nd Street, Federal Way, WA 98003
+1 (253) 661-9200
Doctor
2131 Southwest 336th Street, Federal Way, WA 98023
+1 (253) 661-0987
Fast Food
2300 Southwest 336th Street, Federal Way, WA 98023
Hospital
31833 Gateway Center Boulevard South, Federal Way, WA 98003
+1 (253) 214-1920
Library
34200 1st Way South, Federal Way, WA 98003
+1 (253) 838-3668
Local Post Office
34301 19th Ave S, Federal Way, WA 98003
+1 (253) 214-1830
Motel
29815 Pacific Highway South, Federal Way, WA 98003
+1 (253) 941-6996
Movie Theater
2001 South Commons, Federal Way, WA 98003
+1 (253) 946-0942
Museum
2645 South 312th Street, Federal Way, WA 98003
+1 (253) 945-7842
Pharmacy
33501 1st Way South, Federal Way, WA 98003
+1 (253) 838-2400

FAQ

What are short-term loans?

Short-term loans are a type of financial product designed to provide quick access to funds for a brief period, usually ranging from a few weeks to a few months. These loans are ideal for bridging temporary cash flow gaps or unexpected expenses.

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

Yes, some lenders specialize in offering short-term loans to individuals with bad credit. While your credit score may affect the terms and interest rates offered, having bad credit won’t necessarily disqualify you from obtaining a loan.

What is a same-day loan?

A same-day loan is a type of short-term loan where the loan processing and disbursement occur on the same day you apply. This option is beneficial when you need immediate financial assistance due to an emergency.

How do short-term loans work?

Short-term loans are a specific type of short-term loan designed to be repaid with your next paycheck. They offer quick access to cash and generally have high interest rates and fees. It's important to use short-term loans responsibly to avoid falling into a cycle of debt.

What are the eligibility requirements for short-term loans?

Eligibility criteria for short-term loans vary by lender, but generally include being at least 18 years old, having a regular source of income, and maintaining an active checking account. Some lenders may also require proof of residency and identification.

Are there any alternatives to short-term loans for people with bad credit?

Yes, there are alternatives to short-term loans for those with bad credit, including credit union loans, personal installment loans, and borrowing from friends or family. Each alternative comes with its own set of conditions and considerations, so it's crucial to choose the option that best fits your financial situation.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in person at a lender's location. The application process typically involves providing personal and financial information, employment details, and sometimes documentation to verify your income and identity.

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Federal Way ZIP Codes

98001
98003
98023
98054
98063
98093
98422