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Best Online Short-term Loans in Florence

Strapped for cash and bills piling up? Stress no more! Our "Best Cash Advance Short-term Loans" service is your quick fix for unexpected expenses. Facing a financial crunch can feel overwhelming, but you're not alone. These short-term loans step in to provide the immediate relief you need. With a simple application and fast approval process, say goodbye to sleepless nights and hello to peace of mind. Experience the ease and convenience today by exploring our tailored short-term loan solutions designed with your urgent needs in mind. Let us help you get back on track, hassle-free!

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Best Online Short-term Loans in Florence

Equity Properties
Loan agency

Address: 301 Cox Creek Pkwy, Florence, AL 35630

Phone Number: +1 (256) 718-2141

Advance America
Financial institution
5.00
18 reviews

Address: 209 Cox Creek Pkwy, Florence, AL 35630

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (256) 760-0131

Website: advanceamerica.net/store-locations/alabama/209-cox-creek-pkwy-florence-35630

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Farm Insurance Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Loans Grant Manage Loan Money Loans Money Orders Money Transfer Service Money Transfers Netspend® Visa® Prepaid Card New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Unsecured Loans Vehicle Insurance
Check `n Go
Loan agency
4.90
16 reviews

Address: 962 Cox Creek Pkwy, Florence, AL 35633

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

Phone Number: +1 (256) 765-0055

Website: locations.checkngo.com/alabama/florence/962-cox-creek-pkwy-

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advances Checking Account Credit Counseling Credit Reporting Financial Solution Flexible Options Loan Applications Loan Repayment Loans Originated New Loan Refinance My Loan Retail Loans Retail Remote Refis And Reloans Short-Term Loan Cashier's checks
Covington Credit
Loan agency
4.70
10 reviews

Address: 2701 Mall Rd, Florence, AL 35630

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

Phone Number: +1 (256) 765-3771

Website: heightsfinance.com/loan-office-location/cash-loans-florence-alabama

Services:

Line of credit Payday loans Signature loans Auto Repairs Credit Insurance Easy Loans Fixed-Rate Loans Personal Loans
Cash Express
Loan agency
4.50
4 reviews

Address: 1587 Darby Dr, Florence, AL 35630

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

Phone Number: +1 (256) 760-9192

Services:

Government benefits check cashing Payday loans Payroll check cashing Personal check cashing Signature loans Tax refund check cashing Title loans Cash Advance Cash For Gold Cash Today Client Services Community Support Credit Card Financial Literacy Financial Solution Home Services Mobile Banking New Loan Pawn Loans Prepaid Card
Credit Central
Loan agency
3.70
2 reviews

Address: 3115 Florence Blvd, Florence, AL 35634

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

Phone Number: +1 (256) 765-0675

Website: creditcentralllc.com

Services:

Business loans Income tax return preparation Installment loans Payday loans Account Servicing Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Traditional Bank Loans Vehicle Repairs
Always Money
Loan agency
2.30
1 reviews

Address: 219 Cox Creek Pkwy, Florence, AL 35630

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

Phone Number: +1 (256) 718-1540

Website: alwaysmoney.com/locations/alabama/florence

Services:

Installment loans Payday loans Signature loans Title loans Auto Loan Confidential Loan Consumer Loans Online Loan Online Loan Application

Alternatives to Short-term Loans in Florence

Short-term loans are financial solutions designed to provide borrowers with quick access to funds, repayable over a brief period. Personal loans are unsecured loans that can be used for a variety of purposes, often characterized by flexible terms and competitive interest rates. Installment loans, on the other hand, require borrowers to repay the borrowed amount plus interest in fixed monthly payments over the loan term, making them predictable and manageable. Title loans are secured loans where the borrower uses a vehicle title as collateral, generally featuring higher interest rates and shorter repayment terms, but offering quick cash for those who own their car outright. These types of loans cater to individuals seeking temporary financial assistance, each with unique features that suit different financial needs and repayment capabilities.

Best Personal Loan

Liberty Finance
5.00
22 reviews

Short-term loans come in various forms to meet different financial needs. Among the prevalent options, personal loans are often considered the best choice for short-term borrowing. Personal loans typically offer borrowers flexibility with how they use the funds, which can cover unexpected medical expenses, home repairs, or debt consolidation. These loans are generally unsecured, which means no collateral is required. With competitive interest rates and manageable terms, personal loans provide a practical solution for those seeking to borrow smaller amounts over shorter periods.

Best Installment Loan

1st Heritage Credit
5.00
1 reviews

Installment loans provide a structured repayment process over a set number of payments, making them an ideal option for borrowers who need a large lump sum that they can pay back gradually. The best installment loans offer fixed interest rates, ensuring that monthly payments remain consistent throughout the loan term. These loans can be secured or unsecured, with secured versions often involving lower interest rates. Installment loans are suitable for a variety of needs, including home improvement, medical expenses, or major purchases, and they generally require proof of income and a satisfactory credit score.

Best Car Title Loan

Select Title Loans
5.00
0 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 Alabama

Alabama's statewide regulations on short-term loans aim to protect borrowers while allowing them access to quick funds in a regulated environment. In the Heart of Dixie, short-term loan lenders are governed by the Alabama Deferred Presentment Services Act, which stipulates that the maximum loan amount a consumer can borrow is $500. The minimum loan term is set at 10 days, with the maximum term not exceeding 31 days, ensuring that loans are repaid promptly.

Interest rates in Alabama for short-term loans are capped by law, with a maximum APR (Annual Percentage Rate) that lenders are allowed to charge. Additionally, borrowers must be provided with clear and comprehensive terms before entering into a loan agreement, ensuring transparency and informed decision-making.

Eligibility for a short-term loan in Alabama typically requires the borrower to have a valid government-issued ID, proof of income, and an active bank account. Lenders also must follow strict guidelines regarding rollovers and are limited in the number of times a loan can be renewed.

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 may find it particularly beneficial to allocate the funds towards essential services offered by local providers. These include obtaining urgent medical care, covering necessary car repair costs, handling legal fees, addressing funeral expenses, or purchasing or repairing home appliances. Each of these services plays a vital role in addressing immediate needs and ensuring well-being and functionality in day-to-day life.

American Restaurant
1033 County Road 61, Florence, AL 35634
Car Wash
1250 Florence Boulevard, Florence, AL 35630
+1 (256) 766-1524
Club & Association
425 North Court Street, Florence, AL 35630
+1 (256) 765-0313
College/University
1 Harrison Plz, Florence, AL 35630
+1 (800) 825-5862
Community Center
103 South Cypress Street, Florence, AL 35630
+1 (256) 760-6436
Dentist
154 Titan Drive, Florence, AL 35630
+1 (256) 712-5096
Fitness Club & Center
702 East College Street, Florence, AL 35630
+1 (256) 760-6676
Government Office
110 College Terrace, Florence, AL 35630
+1 (256) 760-6681
Hospital
409 North Cedar Street, Florence, AL 35630
+1 (256) 766-3062
Hotel
1000 Sweetwater Avenue, Florence, AL 35630
+1 (256) 764-9966
Library
620 West College Street, Florence, AL 35630
+1 (256) 768-2221
Local Post Office
11440 Highway 157, Florence, AL 35633
+1 (256) 766-2889
Mobile Phone Shop
331 Cox Creek Parkway, Florence, AL 35630
+1 (256) 764-9500
Movie Theater
301 Cox Creek Parkway, Florence, AL 35630
+1 (256) 760-1728
Museum
1 Hightower Place, Florence, AL 35630
+1 (256) 740-4141

FAQ

What is a Short-Term Loan?

A short-term loan is a type of financial product designed to help cover unexpected expenses or emergencies. These loans are typically repaid within a few months and can be useful for managing cash flow gaps.

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

Yes, many lenders specialize in offering short-term loans to individuals with bad credit. While higher interest rates may apply, having a poor credit history does not automatically disqualify you from getting a short-term loan.

What are Same-Day Loans?

Same-day loans are a type of short-term loan designed to provide quick access to funds, often on the same day you apply. These loans are convenient for covering urgent financial needs but typically come with higher fees and interest rates.

How Do Short-term Loans Work?

Short-term loans are a specific type of short-term loan that must be repaid with your next paycheck. They are often for small amounts and provide fast cash, but their high interest rates and fees can make them a costly borrowing option.

What are the Requirements for a Short-Term Loan?

Typically, to qualify for a short-term loan, you need to be at least 18 years old, have a regular income, and possess an active checking account. Requirements may vary by lender, so it's important to check their specific criteria.

Are There Alternatives to Short-Term Loans for Bad Credit?

Yes, there are several alternatives to short-term loans for individuals with bad credit, such as personal installment loans, credit union loans, or getting a co-signer. Exploring these options might result in better terms and lower costs.

What Should I Consider Before Taking a Short-Term Loan?

Before taking a short-term loan, consider the interest rates, fees, and repayment terms. Ensure that you can afford the loan and that it meets your financial needs without compromising your ability to pay. Double-check the lender's reputation and understand all terms before signing.

Find Short-term Loans Near Me

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Florence ZIP Codes

35630
35631
35632
35633
35634