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Best Online Short-term Loans in Fort Collins

Need cash fast to cover unexpected expenses? Short-term loans are the answer! Life throws curveballs, and waiting for payday isn't always an option. When emergencies arise, stress and worry can set in, making it tough to find a way forward. But don’t stress—our Best Cash Advance Short-term Loans could be your lifeline. We offer quick and simple loan solutions tailored to help you tackle pressing financial issues without delay. With our service, you can access the funds you need swiftly and efficiently, giving you peace of mind when you need it most. Apply now and regain control over your finances!

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Best Online Short-term Loans in Fort Collins

Online Bad Credit Loans
Loan agency

Address: 351 S Meldrum St, Fort Collins, CO 80521

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

Phone Number: +1 (970) 292-7801

Website: onlinebcl.com/locations/fort-collins-2

Farm Plus Financial
Loan agency
5.00
1 reviews

Address: 155 E Boardwalk Dr, Fort Collins, CO 80525

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (866) 929-5585

Website: farmloans.com

Services:

Business loans Flex loans Installment loans Line of credit Microloans Payday loans Signature loans Ag Financing Ag Lending Agricultural Land Agricultural Lender Agricultural Lending Agricultural Property Agricultural Real Estate Agriculture Financing Alternate Funding Bank Loan Bridge Loan Brokerage Operations Credit Card Debt Current Loan Debt Consolidation Farm Financing Farm Improvements Farm Operating Loans Farm Ownership Loan Financial Options Financial Solutions Fixed-Rate Loan Flexible Loan Options Individual Financial LImprovements LLoans Loan Consolidation Loan Programs Loans Financing Loans For Purchasing Personal Service Purchase A Home Purchase Land Purchasing Or Refinancing Ranch Loans Refinanced Loans Residential Lending Residential Loans Residential Mortgages Rural Property Loans Short Term Bridge Student Loans Tax Returns Term Loans Timber Loans Variable Rate Mortgage
Securities Finance Co LLC
Loan agency

Address: 3307 S College Ave #200, Fort Collins, CO 80525

Today's Business Hours: 1:00 PM - 5:30 PM

Phone Number: +1 (970) 218-4127

Website: paydayloanservices.org

Advance America
Financial institution
4.30
1 reviews

Address: 1414 E Harmony Rd Ste. 3, Fort Collins, CO 80525

Phone Number: +1 (970) 282-8244

Services:

Business loans Cash for gift cards Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repair Loans Consumers Loans Credit Counseling Debt Management Electronic Bank Emergency Loans Expanded Loan Financial Plan Home Loans Money Orders Money Transfer Service Moneygram® Services Netspend® Visa® Prepaid Cards New Loan Online Cash Advances Online Lending Online Personal Loan Personal Finances Refinance Loan Short Term Loan Single Repayment Loan Small Loans Term Lending Vehicle Insurance
Check Into Cash
Financial institution
4.10
10 reviews

Address: 902 W Drake Rd #8, Fort Collins, CO 80526

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

Phone Number: +1 (970) 495-6762

Website: local.checkintocash.com/us/co/ft-collins/902-w-drake-road-8

Services:

Cash Advance Check Cashing Services Financial Services Home Loans In Store Cash Loans Loan By Phone Loan Funds New Loan Online Lending Online Loan Application Quick Cash Quick Money Registration Loan Retail Loans Small Loan Term Loans
OneMain Financial
Loan agency
4.00
10 reviews

Address: 1600 Specht Point Rd STE 101, Fort Collins, CO 80525

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

Phone Number: +1 (970) 221-4571

Website: onemainfinancial.com/branches/co/fort-collins/80525/4327

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Cards Debt Consolidation Loans Document Preparation Emergency Loans Moving Loans Family Support Financial Loans Funeral Loans Loan Applications Loan Insurance Loan Originated Loan Processing Loan Specialist Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Online Account Management Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Refinance Home Repayment Plan Rv Loans Secured Loan Total Finance Unsecured Loan Vacation Loans Wedding Loans
Independent Financial
Bank
2.40
10 reviews

Address: 303 E Mountain Ave, Fort Collins, CO 80524

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (970) 266-2000

Website: locations.ifinancial.com/co/fort-collins/303-e-mountain-ave

High Plains Lending
Loan agency

Address: 155 E Boardwalk Dr # 113, Fort Collins, CO 80525

Phone Number: +1 (970) 232-3056

Susan Raso, Loan Consultant
Loan agency

Address: 3615 Mitchell Dr, Fort Collins, CO 80525

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

Phone Number: +1 (970) 290-4727

Website: mortgageratespro.com

Services:

Installment loans Signature loans Home Loan Refinancing An Existing Loan Residential Mortgage Loans Reverse Mortgage
Equity Services
Loan agency

Address: 2625 Redwing Rd, Fort Collins, CO 80526

Phone Number: +1 (970) 682-2003

Johnson Financial
Loan agency

Address: 109 N College Ave, Fort Collins, CO 80524

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

Phone Number: +1 (970) 221-1336

Alternatives to Short-term Loans in Fort Collins

Short-term loans are financial instruments designed to provide quick access to funds that require repayment within a short period, often under a year. Personal loans offer flexibility for borrowers to use the funds for various purposes, typically requiring repayment in a structured schedule. Installment loans allow borrowers to repay the amount borrowed in regular, manageable payments over the loan term, making it easier to handle the financial obligation with consistent monthly payments. Title loans, on the other hand, use the borrower's vehicle title as collateral, usually providing fast cash but at the risk of losing the vehicle if the loan is not repaid. Each type of short-term loan serves different financial situations, offering specific advantages and risks that must be carefully considered.

Best Personal Loan

Excel Financial Mortgage Brokers - Fort Collins, Loveland, Colorado
5.00
15 reviews

Short-term personal loans are typically unsecured loans offered by banks, credit unions, or online lenders. They are designed to be a quick financial solution for individuals needing immediate funds to cover unexpected expenses or emergencies. The best personal loans offer competitive interest rates, flexible repayment terms, and quick access to funds, making them an attractive option for borrowers with good credit.

Best Installment Loan

Universal Lending - Kim Martin
5.00
7 reviews

Installment loans are another type of short-term loan where the borrower agrees to repay the loan amount along with interest in fixed, regular installments over a predetermined period. An excellent option for the best installment short-term loan is the personal installment loan offered by reputable banks or credit unions. These loans provide a structured repayment plan, typically within six months to a year, making them manageable for borrowers concerned about lump-sum payments.

Best Car Title Loan

CarHop Auto Sales & Finance
4.10
51 reviews

Title loans provide short-term cash solutions by using a vehicle title as collateral. These loans can be acquired quickly, with approval processes often completed within a day, making them suitable for emergencies. Loan amounts depend on the vehicle's value, and borrowers maintain use of their vehicle during the loan period. While title loans can offer significant advantages for those with few other borrowing options, it's important to consider the high interest rates and the risk of vehicle repossession if repayment terms are not met.

Loan Regulations in Colorado

Short-term loan regulations are governed by state-wide laws to protect consumers in Colorado. The maximum allowable annual percentage rate (APR) on short-term loans in Colorado is capped at 36%. This significantly reduces the overall cost of borrowing, making it a more affordable option for consumers.

Eligibility requirements for short-term loans typically include being at least 18 years old, having a valid government-issued ID, proof of a steady income source, and an active checking account. Loan terms can vary but often span from a minimum of six months to a maximum of 12 months.

Colorado's short-term loan regulations also restrict borrowers from taking out more than one short-term loan at a time, helping to prevent debt cycles. Lenders are required to provide clear and transparent loan agreements, outlining all terms, fees, and repayment schedules.

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 a short-term loan can efficiently allocate these funds towards essential local services. Medical providers can receive payment for urgent healthcare needs, car repair shops can be paid for immediate vehicle maintenance, and legal services can address pressing legal concerns. Additionally, funeral services can help manage unexpected end-of-life expenses, while appliance service providers can assist with necessary household repairs, ensuring the loan directly supports critical areas of one's life.

Adventure Sports Facility
Joseph Allen Drive, Fort Collins, CO 80525
+1 (970) 999-5596
Car Wash
3141 South College Avenue, Fort Collins, CO 80525
+1 (970) 223-4221
Club & Association
2721 South College Avenue, Fort Collins, CO 80525
+1 (970) 226-4253
College/University
4800 Wheaton Drive, Fort Collins, CO 80525
+1 (970) 377-0044
Construction Material & Equipment
2222 North Shields Street, Fort Collins, CO 80524
+1 (970) 221-0245
Dentist
1136 East Stuart Street, Fort Collins, CO 80525
Fitness Club & Center
208 South College Avenue, Fort Collins, CO 80524
+1 (970) 657-2824
Government Office
300 Laporte Avenue, Fort Collins, CO 80521
+1 (970) 221-6611
Hospital
825 South Shields Street, Fort Collins, CO 80521
+1 (970) 493-0281
Hotel
425 West Prospect Road, Fort Collins, CO 80526
+1 (970) 482-2626
Library
222 Laporte Avenue, Fort Collins, CO 80521
+1 (970) 212-2900
Local Post Office
300 East Mountain Avenue, Fort Collins, CO 80524
Movie Theater
4721 South Timberline Road, Fort Collins, CO 80528
+1 (970) 377-0782
Museum
200 Mathews Street, Fort Collins, CO 80524
+1 (970) 221-6738
Pharmacy
105 West Troutman Parkway, Fort Collins, CO 80525
+1 (970) 223-0840

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick cash to borrowers. They are typically repaid within a few weeks or months. These loans can be used to cover unforeseen expenses or emergency situations.

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

Yes, many lenders offer short-term loans specifically designed for borrowers with bad credit. These lenders focus more on your current financial situation rather than your credit history. However, these loans may come with higher interest rates due to the increased risk.

What are same-day loans?

Same-day loans are a type of short-term loan where the application, approval, and fund disbursement all occur within the same day. These are ideal for urgent monetary needs. Approval times vary from lender to lender, so it’s important to verify each lender's process.

How do short-term loans work?

Short-term loans are a type of short-term loan that typically must be repaid by your next payday. They are a quick way to receive cash, but the interest rates and fees can be very high. It's crucial to fully understand the terms before committing to a short-term loan to avoid a debt cycle.

What are the typical interest rates for short-term loans?

Interest rates for short-term loans vary based on the lender and the borrower's credit profile. Typically, these rates are higher than those of traditional personal loans due to the short repayment period and increased risk. It's important to shop around and compare offers.

How can I apply for a short-term loan?

Applying for a short-term loan usually involves filling out an application with details about your income, employment, and banking history. Many lenders offer online applications for convenience. Make sure to have all necessary documents readily available to speed up the process.

What are the risks associated with short-term loans?

The primary risk of short-term loans is their high interest rates and fees, which can lead to a cycle of debt if not managed properly. It’s vital to understand the loan terms and have a clear plan for repayment before taking out a short-term loan.

Find Short-term Loans Near Me

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Fort Collins ZIP Codes

80512
80521
80522
80523
80524
80525
80526
80527
80528
80547
80553