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Best Online Short-term Loans in Franklinton

Need quick cash? You're not alone, and we've got your back! When unexpected expenses hit, waiting for payday isn't always an option. That's where our Best Cash Advance Short-term Loans step in, providing a fast financial lifeline that gets you through tight spots. Feeling stressed about those urgent bills? Worry no more! Our streamlined process ensures you receive the help you need without the hassle. Dive into a flexible and hassle-free solution designed for your peace of mind. Let us bridge the gap between need and payday with our trusted short-term loans.

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Best Online Short-term Loans in Franklinton

American Cash Advance
Loan agency
5.00
2 reviews

Address: 936 Washington St, Franklinton, LA 70438

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

Phone Number: +1 (985) 839-3722

Website: americancashadvance.net

Services:

Installment loans Payday loans Signature loans Title loans Easy Cash Loans Identity Theft Protection Small Loan
Parish Credit Corporation-Franklinton
Loan agency
5.00
1 reviews

Address: 951 Washington St, Franklinton, LA 70438

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

Phone Number: +1 (985) 839-5616

Website: pcfrank.com

Services:

Business loans Flex loans Installment loans Payday loans Signature loans Debt Consolidation Flexible Payment Plans Loan Applications Loans Personal Loans Online Loans Payment Plans Personal Loans Real Estate Real Estate Loans
Advance America
Financial institution
5.00
10 reviews

Address: 711 Washington St, Franklinton, LA 70438

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

Phone Number: +1 (985) 795-0050

Website: advanceamerica.net/store-locations/louisiana/711-washington-street-franklinton-70438

Services:

Installment loans Line of credit Payday loans Signature loans Title loans Consumers Loans Credit Counseling Debt Management Emergency Loans Home Loans Money Order Services Money Transfer Services Moneygram® Services Netspend Visa® Prepaid Cards Online Cash Advances Online Lending Online Personal Loan Quick Loan Short Term Loan Single Repayment Loan Unsecured Loans
Cash For Checks
Check cash

Address: 704 Washington St, Franklinton, LA 70438

Today's Business Hours: 8:30 AM - 6:00 PM

Phone Number: +1 (985) 839-5100

Security Finance
Loan agency

Address: 713 Washington St Suite 8, Franklinton, LA 70438

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

Phone Number: +1 (985) 839-7237

Website: securityfinance.com/locations/franklinton-la-0734

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Lee Finance Co of Franklinton
Loan agency

Address: 945 Ellis St, Franklinton, LA 70438

Phone Number: +1 (985) 839-4653

Bickham Inc
Loan agency

Address: 817 Washington St, Franklinton, LA 70438

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

Phone Number: +1 (985) 839-2807

Alternatives to Short-term Loans in Franklinton

Short-term loans are financial solutions designed to address immediate cash needs, typically with repayment terms under one year. Personal loans offer quick funding without requiring collateral and can be used for a variety of purposes, although they often come with higher interest rates due to their unsecured nature. Installment loans are repaid over a set period with regular payments, providing a structured payoff plan that can help with budgeting, with terms often ranging from a few months to several years. Title loans, secured by the borrower's vehicle title, allow for quick access to funds but carry the risk of losing the vehicle if the loan is not repaid, and these typically have high interest rates and short repayment durations.

Best Personal Loan

Magee Financial
5.00
3 reviews

Personal loans are a versatile form of short-term borrowing that can be used for a variety of needs, from debt consolidation to home improvements. They typically come with fixed interest rates and set repayment terms, making it easier for borrowers to plan their finances. Many personal loans do not require collateral, which makes them accessible to a wide range of borrowers. However, borrowers need to be mindful of their credit scores, as lenders often determine the interest rates and eligibility based on creditworthiness. This makes personal loans a viable option for individuals looking for predictability and flexibility in managing their financial needs.

Loan Regulations in Louisiana

Short-term loan regulations are designed to protect consumers while offering accessible short-term credit solutions in Louisiana. The state allows a maximum short-term loan amount of $350, with loan terms capped at 30 days. This helps prevent borrowers from falling into long-term debt cycles. The finance charges are regulated as well, with lenders allowed to charge up to 16.75% of the loan amount in fees, up to a maximum of $45. Additionally, borrowers are limited to taking out one short-term loan at a time.

Eligibility for these loans typically includes proof of income and an active checking account. Lenders might also check the borrower's credit history. These regulations provide a framework that balances the immediacy of financial needs with responsible lending practices, ensuring that short-term loans remain a viable and regulated option for those in need in Louisiana.

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

If you've already secured a short-term loan, various crucial services are available locally where these funds could be effectively utilized. Medical facilities and car repair shops can address urgent health and mechanical needs, respectively. Additionally, legal services, as well as funeral and appliance repair services, can be accessed to manage unforeseen personal and household challenges.

Car Repair and Service
1420 Greenlaw Street, Franklinton, LA 70438
+1 (985) 335-2422
Car Wash
901 Mill Street, Franklinton, LA 70438
+1 (985) 839-2495
Club & Association
49422 Camp Road, Franklinton, LA 70438
+1 (504) 388-9431
Community Center
27164 Highway 62, Franklinton, LA 70438
+1 (985) 848-2265
Dentist
2016 Washington Street, Franklinton, LA 70438
+1 (985) 839-4138
Fast Food
739 Washington Street, Franklinton, LA 70438
+1 (985) 839-3080
Fitness Club & Center
2109 Clarain Drive, Franklinton, LA 70438
+1 (877) 707-5359
Government Office
1637 Desmare Street, Franklinton, LA 70438
+1 (985) 839-5458
Hospital
2219 Main Street, Franklinton, LA 70438
+1 (985) 898-7024
Jewelry, Clocks & Watches
974 Washington Street, Franklinton, LA 70438
+1 (985) 839-3396
Library
825 Free Street, Franklinton, LA 70438
+1 (985) 839-7805
Local Post Office
805 Lee Street, Franklinton, LA 70438
+1 (985) 839-5124
Museum
1041 Cleveland Street, Franklinton, LA 70438
+1 (985) 795-0680
Pharmacy
708 Washington Street, Franklinton, LA 70438
+1 (985) 839-3748
Specialist
807 Riverside Drive, Franklinton, LA 70438
+1 (985) 839-3100

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick access to funds, typically for unexpected expenses or emergencies. They are generally repaid within a short period, ranging from a few weeks to a few months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These lenders focus more on your current financial situation and ability to repay the loan rather than your credit history.

How do same-day loans work?

Same-day loans are designed to provide rapid access to funds, often within 24 hours of application approval. The process involves filling out an application, waiting for approval from the lender, and, once approved, receiving the funds in your bank account on the same day.

Are short-term loans the same as short-term loans?

Short-term loans are a specific type of short-term loan typically repaid on the borrower’s next payday. They usually have high-interest rates and are intended for small amounts of money over a short repayment period. While all short-term loans are short-term loans, not all short-term loans are short-term loans.

What are the requirements for obtaining a short-term loan?

Requirements vary by lender, but generally include being at least 18 years old, having a regular source of income, and holding an active bank account. Some lenders may also require a government-issued ID.

What are the risks associated with short-term loans?

Short-term loans can have high-interest rates and fees, which can lead to a cycle of debt if not managed carefully. It's crucial to fully understand the terms and ensure that you can repay the loan on time to avoid additional charges.

How do I apply for a short-term loan?

You can apply for a short-term loan online or at a physical lender's location. Online applications typically involve filling out a form with your personal and financial information, after which you’ll receive a decision. Ensure you compare different lenders to find the terms that best suit your needs.

Find Short-term Loans Near Me

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Franklinton ZIP Codes

70438