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Best Online Short-term Loans in Folsom

Feeling the pinch before payday? You're not alone. Short-term financial hiccups can happen to anyone, but they don't have to derail your life. That's where our come in. Designed to tackle unexpected expenses quickly, these loans offer an easy and fast solution when you need it most. Say goodbye to the stress of sudden bills and hello to financial peace of mind. Let us help bridge your financial gap with a hassle-free loan experience tailored just for you.

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Best Online Short-term Loans in Folsom

Oncore Leads
Financial institution
4.10
6 reviews

Address: 9580 Oak Ave Pkwy Ste 7, Folsom, CA 95630

Phone Number: +1 (855) 662-6735

Website: oncoreleads.com

Services:

Debt Settlement Exclusive Leads Home Services Lead Generation Services Merchant Cash Advance Online Advertising Pest Control Radio Commercials Recovery Services Rehab Services Tax Resolution Tv / Radio Tv Campaign Website Design
Boyd & Associates P.C.
Financial institution
3.70
2 reviews

Address: 101 Parkshore Dr #100, Folsom, CA 95630

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

Phone Number: +1 (916) 932-2030

Website: boydcpas.com

Services:

Accounting audits Accounting services Administration services Business consulting Business tax planning Business tax return preparation Financial analysis of business plans General bookkeeping IRS representation & resolution Individual income tax return preparation Individual tax planning Payroll accounting Audits - Reviews - Compilations Bank Financing Business Administration Business Analysis Business Management Business Tax Returns Business Valuation Cash Flow Management Cash Flow Projection Certified Public Accountant Child Tax Credit Client Portal Compiled Financial Statements Employee Benefit Plan Employment Tax Estate Planning Estate Tax Estimated Tax Excise Taxes Federal Income Tax Financial Accounts Financial Advice Financial Planner Financial Reviews Foreign Tax Health Plans Individual Income Tax Returns Initial Consultation Internal Audit Irs Audit Representation Monthly Bookkeeping On Tax Accounting Online Accounts Part-Time Cfo Services Payroll Processing Pc Accounting Personal Financial Planning Personal Tax Returns Property Management Quickbooks Setup Quickbooks Training Real Estate Taxation Record Retention Retirement Planning Small Business Accounting State Tax Strategic Business Planning Succession Planning Tax Advice Tax Benefits Tax Exemption Tax Forms Tax Guide Tax Organizers Tax Payments Tax Planning Tax Preparation Tax Problems Tax Rate Tax Strategy Meetings Taxpayer Advocate
Finance Concepts Inc | Commonwealth Square
Loan agency

Address: 705 E Bidwell St, Folsom, CA 95630

Phone Number: +1 (916) 983-3700

Alternatives to Short-term Loans in Folsom

Short-term loans provide quick financial solutions for immediate needs. Personal loans are unsecured loans that offer flexibility in usage, typically with a fixed interest rate and repayment term ranging from a few weeks to several months. Installment loans are similar but require borrowers to repay the loan amount in fixed, regular payments over a predetermined period, offering a structured repayment plan. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral, allowing them to borrow money quickly but often at high interest rates, with the risk of losing the vehicle if the loan isn't repaid.

Best Personal Loan

Masters Team Mortgage
5.00
21 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

OneMain Financial
3.80
10 reviews

Installment loans are a type of short-term loan where the borrower agrees to pay back the loan amount in fixed monthly payments over a predetermined period. This predictability can ease the financial burden on the borrower, as they can budget their payments more effectively. The best installment loans offer competitive interest rates and flexible terms to meet the borrower's needs. These loans are typically available from banks, credit unions, and online lenders, making them quite accessible.

Best Car Title Loan

Trust Car Title Loans
3.90
7 reviews

Title loans are short-term loans in which the borrower uses their vehicle title as collateral. They are often sought by individuals who need immediate access to cash but may have limited credit options. The terms are usually short, often 30 days, and the borrowing amount is based on the value of the vehicle. While title loans can provide quick funding, they come with high interest rates and the risk of losing one's vehicle if the loan is not repaid on time. Given the potential drawbacks, title loans should be considered carefully, often being the last resort for those in urgent financial situations, ensuring that borrowers fully understand the terms and risks involved.

Loan Regulations in California

Navigating the world of short-term loans, installment loans or car title loans in California requires a solid understanding of regulations. Borrowers can only loan up to $300 with a maximum fee of 15% of the loan amount. These loans have a maximum term of 31 days but no minimum duration. Rollovers aren't permitted, and there's a mandatory cooling-off period between loans. For those considering bridge loans or online short-term loans, staying updated with state-wide regulations is crucial.

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

For those who have secured a short-term loan, several local service providers offer essential support in critical areas. These funds can be directed towards medical expenses for unexpected health emergencies, car repair services to ensure reliable transportation, and legal services for any urgent legal matters. Additionally, the loan can assist with funeral costs during difficult times or cover the expense of necessary appliance repairs or replacements, helping maintain everyday conveniences.

Beauty Salon
1008 Riley Street, Folsom, CA 95630
+1 (916) 467-0571
Car Repair and Service
82 Clarksville Road, Folsom, CA 95630
+1 (916) 984-1979
Car Wash
500 East Bidwell Street, Folsom, CA 95630
+1 (916) 983-3532
Chicken Restaurant
703 East Bidwell Street, Folsom, CA 95630
+1 (916) 293-9820
Club & Association
560 East Natoma Street, Folsom, CA 95630
College/University
622 East Bidwell Street, Folsom, CA 95630
+1 (916) 983-0522
Dentist
1635 Creekside Drive, Folsom, CA 95630
+1 (916) 983-3436
Doctor
1615 Creekside Drive, Folsom, CA 95630
Fitness Club & Center
1007 East Bidwell Street, Folsom, CA 95630
+1 (916) 358-9876
Government Office
323 East Bidwell Street, Folsom, CA 95630
+1 (800) 777-0133
Hospital
510 Mill Street, Folsom, CA 95630
+1 (916) 985-3641
Hotel
121 Iron Point Road, Folsom, CA 95630
+1 (916) 355-1616
Library
411 Stafford Street, Folsom, CA 95630
+1 (916) 355-7374
Movie Theater
400 Palladio Parkway, Folsom, CA 95630
+1 (916) 693-6433
Museum
Sutter Street Figueroa Street Alley, Folsom, CA 95630
+1 (916) 985-2707

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically designed to be repaid in a short period, usually ranging from a few weeks to a few months. It is often used for urgent financial needs and can be accessed quickly compared to long-term loans.

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

Yes, you can get a short-term loan even if you have bad credit. Many lenders specialize in offering loans to individuals with less-than-perfect credit. However, these loans may come with higher interest rates and fees to offset the risk for the lender.

What Are Same-Day Loans?

Same-day loans are designed to provide borrowers with quick access to funds, often within the same day of application. These are typically short-term loans, such as short-term loans, where the lender expedites the approval and disbursement process to meet urgent financial needs.

What Are Short-term Loans?

Short-term loans are a type of short-term loan that typically must be repaid by your next payday. They are often used for emergency expenses and are known for their fast approval process. However, they can carry high fees and interest rates, so it’s important to use them sparingly and responsibly.

What Are the Interest Rates for Short-Term Loans?

Interest rates on short-term loans can vary widely depending on the lender and the borrower’s credit profile. They are usually higher than traditional loans due to the increased risk for the lender. It’s advisable to compare different lenders and read the terms carefully before agreeing to a loan.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person with a financial institution or a direct lender. You will typically need to provide personal identification, proof of income, and bank details. Once the application is reviewed and approved, funds are usually disbursed quickly.

What Are the Risks of Short-Term Loans?

Short-term loans can be risky due to their high costs, including high interest rates and fees. If you are unable to repay the loan on time, you could face additional fees and a negative impact on your credit score. It’s crucial to borrow only what you need and can afford to repay.

Find Short-term Loans Near Me

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Folsom ZIP Codes

95630
95671
95683
95742
95763