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Best Online Short-term Loans in Fredericksburg

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 Fredericksburg

Advance America
Financial institution

Address: 523 Jefferson Davis Hwy, Fredericksburg, VA 22401

Phone Number: +1 (540) 373-9023

Check Into Cash
Financial institution
5.00
6 reviews

Address: 5053 Patriot Hwy, Fredericksburg, VA 22408

Phone Number: +1 (540) 710-7410

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advance Cash Advances Cash Now Check Cashing Services Credit Card Credit Solutions Financial Services Home Loans Loan By Phone Loan Funds Loan Options New Loan Online Lending Online Loan Application Prepaid Card Quick Cash Quick Money Registration Loan Registration Loans Retail Loans Small Loan Term Loans
Fredericksburg Check & Cash
Check cashing service

Address: Fredericksburg, VA 22401

Atlas Credit Company
Loan agency
5.00
1 reviews

Address: 1913 Plank Rd, Fredericksburg, VA 22401

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

Phone Number: +1 (540) 217-4936

Website: atlascredit.com

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Bad Credit Loan Personal Loans Short-Term Loan Term Loan
Advance America
Financial institution
4.90
12 reviews

Address: 3940 Plank Rd x, Fredericksburg, VA 22407

Phone Number: +1 (540) 548-0138

Mariner Finance
Loan agency
4.90
10 reviews

Address: 2217 Plank Rd, Fredericksburg, VA 22401

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

Phone Number: +1 (540) 322-4070

Website: marinerfinance.com/locations/virginia/mariner-finance-location-in-fredericksburg-va

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 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
OneMain Financial
Loan agency
4.40
10 reviews

Address: 9815 Patriot Hwy, Fredericksburg, VA 22407

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

Phone Number: +1 (540) 786-7472

Website: onemainfinancial.com/branches/va/fredericksburg/22407/1615

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 Loans Moving 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
Truist
Bank
4.00
4 reviews

Address: 760 Warrenton Rd, Fredericksburg, VA 22406

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

Phone Number: +1 (540) 899-3882

Website: truist.com/locations

Lendmark Financial Services LLC
Loan agency
3.50
6 reviews

Address: 1320 Central Park Blvd Suite 104, Fredericksburg, VA 22401

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

Phone Number: +1 (540) 785-6169

Website: lendmarkfinancial.com/branches/va/fredericksburg/22401

Services:

Installment loans Auto Loans Automobile Loans Estate Planning Home Repair Loan Personal Loans Merchant Finance Online Services Personal Lending Refinance An Existing Loan Unsecured Loan
Manshue Check & Cash
Check cash
3.40
5 reviews

Address: 3335 Fall Hill Ave, Fredericksburg, VA 22401

Today's Business Hours: 10:00 AM - 12:00 AM

Phone Number: +1 (540) 374-1449

Truist
Bank
3.00
3 reviews

Address: 375 Chatham Heights Rd, Fredericksburg, VA 22405

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

Phone Number: +1 (540) 374-5159

Website: truist.com/locations

Griffin Capital Funding
Loan agency

Address: 1135 Heatherstone Dr, Fredericksburg, VA 22407

Today's Business Hours: 8:30 AM - 7:30 PM

Phone Number: +1 (800) 710-6762

Website: church-loan.com

Services:

Bankruptcy And Foreclosure Church Construction Loans Church Financing Church Financing Expert Services Church Loans Closed Loans Construction Loans Financial Services Financing Loan Home Financing Loan Programs Mortgage Loan Private Money Loans for Churches Simple Loan Traditional Loan

Alternatives to Short-term Loans in Fredericksburg

Short-term loans include various options such as personal, installment, and title loans, each catering to different financial needs. Personal loans are unsecured loans that provide a lump sum of money to be repaid typically within a few months to a year, without the need for collateral. Installment loans offer a structured repayment schedule with fixed monthly payments and are suitable for those seeking predictable budgeting. Title loans, on the other hand, are short-term secured loans where the borrower uses their vehicle as collateral, often resulting in higher interest rates and a faster repayment period, making them a quick but risky option for immediate financial needs.

Best Personal Loan

Express Check Advance
5.00
10 reviews

Short-term loans offer quick access to cash for borrowers requiring immediate financial assistance. Best personal loans in this category are often unsecured, meaning they do not require collateral. They are favored for their flexibility, as they can typically be used for any purpose, from covering medical emergencies to consolidating debt. Personal loans generally have fixed interest rates and predefined repayment terms, making them predictable for budgeting purposes. However, eligibility often depends on the borrower’s credit score, which can influence the interest rates and terms offered.

Best Installment Loan

Professional Home Settlements, Inc.
5.00
1 reviews

Installment loans, another form of short-term borrowing, require the borrower to repay the loan amount in fixed monthly payments. The top option for these loans typically comes from lenders that prioritize transparency, with clearly defined terms and reasonable interest rates. It's advantageous to choose institutions with positive customer service reputations to facilitate any necessary communications throughout the repayment process. Peer-to-peer lending platforms have emerged as a competitive alternative to traditional installment loan sources, offering potential borrowers lower rates due to lower overhead costs.

Best Car Title Loan

TitleMax Title Loans
5.00
60 reviews

Title loans offer a unique option for borrowers who own a vehicle and need quick access to cash. A popular choice in this category involves using the borrower's car title as collateral, allowing them to borrow money based on the car's value. While these loans provide rapid access to funds, they come with significant risks, including high interest rates and the potential loss of the vehicle if the loan is not repaid. Title loans tend to appeal to those who need immediate financial assistance and have no other credit options available, but they should approach this type of loan with caution, ensuring they understand the terms and have a solid repayment plan.

Loan Regulations in Virginia

Virginia enforces specific regulations for short-term loans to protect consumers and ensure fair lending practices. The state has set a maximum short-term loan amount of $2500 with a minimum four-month term and a maximum 24-month term. The Annual Percentage Rate (APR) for short-term loans in Virginia is capped at 36%, with a maximum loan fee of 20% of the loan amount and a verification fee not exceeding $5. This regulatory framework aims to prevent excessive debt and the cycle of borrowing that can occur with higher-cost loans.

Borrowers in Virginia must meet certain eligibility criteria to qualify for short-term loans, including being at least 18 years old, having a regular source of income, and possessing an active checking account. Lenders are required to provide clear and understandable terms and must ensure borrowers can repay the loan. These regulations are applicable statewide, ensuring that all short-term loan transactions in Virginia are conducted within these guidelines, thereby safeguarding the interests of the borrowers across the state.

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.

Adventure Sports Facility
3380 Shannon Airport Circle, Fredericksburg, VA 22408
+1 (804) 785-9707
Car Wash
10 Smokehouse Drive, Fredericksburg, VA 22406
+1 (540) 479-3188
Club & Association
2300 Fall Hill Avenue, Fredericksburg, VA 22401
+1 (540) 361-7373
College/University
2200 Cowan Boulevard, Fredericksburg, VA 22401
+1 (540) 710-0187
Community Center
5308 River Road, Fredericksburg, VA 22407
+1 (540) 412-0014
Construction Material & Equipment
8501 Jamison Lane, Fredericksburg, VA 22407
+1 (540) 376-3764
Dentist
10618 Spotsylvania Avenue, Fredericksburg, VA 22408
+1 (540) 898-7211
Doctor
11812 Main Street, Fredericksburg, VA 22408
+1 (540) 370-0944
Fitness Club & Center
1027 Caroline Street, Fredericksburg, VA 22401
+1 (540) 371-4555
Government Office
6600 River Road, Fredericksburg, VA 22407
+1 (540) 786-8989
Hospital
3447 Jefferson Davis Highway, Fredericksburg, VA 22408
+1 (540) 699-0458
Hotel
656 Warrenton Road, Fredericksburg, VA 22406
+1 (540) 322-2954
Library
10000 Germanna Point Drive, Fredericksburg, VA 22408
+1 (540) 891-3015
Movie Theater
315 William Street, Fredericksburg, VA 22401
+1 (540) 479-1452
Museum
907 Princess Anne Street, Fredericksburg, VA 22401
+1 (540) 371-3037

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically designed to be paid back within a short period, usually within a year. These loans are often used to cover unexpected expenses or to bridge a temporary gap in finances. Common types of short-term loans include short-term loans, same-day loans, and bad-credit loans.

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

Yes, you can obtain a short-term loan even with bad credit. Many lenders specialize in providing loans to individuals with less-than-perfect credit scores. These lenders may focus more on your current financial situation and ability to repay the loan rather than your credit history.

How quickly can I get a same-day loan?

A same-day loan is designed to be processed and disbursed within the same business day. Upon approval, funds are typically transferred to your account within a few hours. To expedite the process, ensure that you provide accurate and complete information on your application.

What are the repayment terms for a short-term loan?

Short-term loans are typically due on your next payday, hence the name. The repayment period is short, often ranging from two to four weeks. It's important to understand the terms of the loan and to ensure that you can afford to repay it when it's due to avoid additional fees or consequences.

How do interest rates and fees work with short-term loans?

Short-term loans often come with higher interest rates and fees compared to long-term loans. This is because they are unsecured and involve a higher risk for the lender. It's crucial to read the terms and conditions of the loan agreement to understand all the costs involved before committing.

Are there alternatives to short-term loans for covering unexpected expenses?

Yes, there are several alternatives to short-term loans, such as borrowing from friends or family, setting up an emergency fund, or seeking a loan from a credit union. Exploring these options might help you avoid higher interest rates and fees associated with short-term loans.

What happens if I default on a short-term loan?

Defaulting on a short-term loan can have serious consequences, including damage to your credit score, additional fees, and potential legal action from the lender. It's crucial to contact your lender immediately if you anticipate difficulty in making a payment. They may be able to offer a repayment plan or some form of assistance.

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Fredericksburg ZIP Codes

22401
22402
22403
22404
22405
22406
22407
22408
22412