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Best Online Short-term Loans in Garden City

Struggling with unexpected expenses? You’re not alone! When immediate financial needs arise, it’s easy to feel overwhelmed. Short-term loans can bridge the gap, offering quick, flexible support when you need it most. Our "Best Cash Advance Short-term Loans" service aims to alleviate your stress by providing fast and reliable solutions tailored to your unique situation. Don’t let short-term cash flow problems hold you back from achieving your goals. Explore our streamlined loan options today and regain control of your finances with confidence and ease. We're here to help you navigate life's little hiccups without a hitch.

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Best Online Short-term Loans in Garden City

Elevated Financial
Loan agency
5.00
3 reviews

Address: 4202 W Chinden Blvd, Garden City, ID 83714

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

Phone Number: +1 (208) 378-9642

Website: elevatedloans.net

Services:

Installment loans Signature loans 1st time Loan ATV Loans Affordable Loans Appliance Loans Atv Loans Auto Financing Auto Loans Auto Repair Loans Bad Credit Loan Bill Consolidation Consolidation Loans Financial Loan Furniture Loans Home Improvement loans Home Loan Home Repairs Hot Tub Loans Lending Programs Loan Consolidation Loan Loan Personal Loan Motorcycle Loans New Loan Payment Loans Personal Loans RV loans Truck Loans Used Auto Loans
World Finance
Loan agency
4.80
10 reviews

Address: 4596 W Chinden Blvd, Garden City, ID 83714

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

Phone Number: +1 (208) 853-2216

Website: loansbyworld.com/locations/idaho/garden-city/83714/2201

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Average Loan Build Credit Capitol Loans Car Repairs Credit Plan Easy Loans Finance Loans Investor Relations Loan Payment Plan Loan Solutions Local Loans Medical Bills Military Lending Online Payment Overall Financial Pawn Shop Loans Personal Finance Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns World Finance
Moneytree
Loan agency

Address: 7425 W Saxton Dr, Garden City, ID 83714

Phone Number: +1 (208) 854-0400

Security Finance
Loan agency
3.30
6 reviews

Address: 6942 W State St, Garden City, ID 83714

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

Phone Number: +1 (208) 488-6462

Website: securityfinance.com/locations/boise-id-1936

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
GOODWILL FINANCE, LLC
Financial institution
2.60
10 reviews

Address: 4489 N Dresden Pl #104, Garden City, ID 83714

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

Phone Number: +1 (208) 378-0378

Website: goodwillfinance.autopal.info/apps/projects/autopal/usersite

Xtreme Finance
Loan agency
1.00
1 reviews

Address: 5225 W Chinden Blvd, Garden City, ID 83714

Alternatives to Short-term Loans in Garden City

Short-term loans offer quick access to funds and are typically repaid within a few months to a year. Personal loans are unsecured, allowing borrowers flexibility in use, with payments spread out over a set period in fixed installments. Installment loans, on the other hand, are typically secured and involve agreed-upon repayment in regular monthly payments, often with lower interest rates compared to credit cards. Title loans provide immediate cash by using a vehicle title as collateral, allowing borrowers to keep using their car while loan payments are made, but posing a risk of losing the vehicle if the loan is not repaid.

Best Personal Loan

Check `n Go
5.00
11 reviews

Short-term personal loans are designed for individuals needing quick access to funds for personal expenses. They usually have a short repayment period, often ranging from a few weeks to a year. These loans are generally unsecured, meaning they don't require collateral, but as a result, they may come with higher interest rates compared to secured loans. Ideal for unexpected expenses or small cash flow needs, they provide flexibility and ease, making them a popular choice for those who can repay the loan quickly.

Loan Regulations in Idaho

Short-term loan regulations are set statewide to ensure fair lending practices across the board in Idaho. Lenders are permitted to offer short-term loans up to $1,000 or 25% of a borrower's gross monthly income, whichever is less, without a cap on finance charges or APRs. The loan term can vary but must not exceed more than 35 days. Borrowers must have proof of employment or a steady source of income, along with a valid bank account, to qualify for a short-term loan.

Idaho allows up to 3 rollovers, which means borrowers can roll over an existing short-term loan into a new loan 3 times., a borrower must fully repay the existing loan before taking out another. These regulations apply to all short-term loan providers operating within the state of Idaho.

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 individuals who have secured a short-term loan, there are various local service providers where these funds can be utilized. Medical services, car repair shops, legal consultation practices, funeral services, and appliance repair centers are among the essential sectors where such loans might be directed.

Adventure Sports Facility
3235 West Chinden Boulevard, Garden City, ID 83714
+1 (208) 336-7625
Bodyshop
5308 North Sawyer Avenue, Garden City, ID 83714
+1 (208) 473-7034
Car Wash
7979 West Marigold Street, Garden City, ID 83714
+1 (208) 323-1974
College/University
5880 North Glenwood Street, Garden City, ID 83714
+1 (208) 287-5900
Community Center
3858 Reed Street, Garden City, ID 83714
+1 (208) 336-8122
Fitness Club & Center
5655 North Glenwood Street, Garden City, ID 83714
+1 (208) 971-0238
General Practitioner
5601 West Chinden Boulevard, Garden City, ID 83714
+1 (208) 809-2865
Government Office
6015 North Glenwood Street, Garden City, ID 83714
+1 (208) 472-2900
Hotel
201 East 41st Street, Garden City, ID 83714
Library
8695 West Marigold Street, Garden City, ID 83714
+1 (208) 376-7731
Local Post Office
8100 West Marigold Street, Garden City, ID 83714
+1 (208) 323-8271
Movie Theater
5140 North Sawyer Avenue, Garden City, ID 83714
+1 (208) 321-4600
Museum
3638 N Osage St, Garden City, ID 83714
+1 (208) 424-8297
Painting & Decorating
5537 North Glenwood Street, Garden City, ID 83714
+1 (208) 754-5817
Pub Food
9719 West Chinden Boulevard, Garden City, ID 83714

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically repaid within a year or less. It is designed to meet immediate financial needs and includes types such as short-term loans and same-day loans. These loans are ideal for covering unexpected expenses or bridging financial gaps.

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

Yes, it is possible to obtain a short-term loan with bad credit. Many lenders offer bad-credit options that focus more on current income and capacity to repay rather than credit history. However, interest rates may be higher than those offered to borrowers with good credit.

What are same-day loans?

Same-day loans are a type of short-term loan designed to provide borrowers with fast access to funds. When approved, the loan amount is typically disbursed on the same day, making it an ideal option for urgent financial situations.

How do short-term loans work?

Short-term loans are short-term loans that are due for repayment on your next payday. These loans are generally small amounts and are based on your income. Short-term loans can help cover immediate expenses but tend to have higher interest rates and fees.

What are the requirements for a short-term loan?

Requirements for a short-term loan may vary by lender but typically include proof of income, a checking account, and identification. Even with bad credit, having a stable income and a bank account can significantly improve your chances of approval.

Are there risks associated with short-term loans?

Yes, there are risks, including high-interest rates and fees that can accumulate if not paid on time. Additionally, rolling over loans can lead to a cycle of debt. It is crucial to borrow only what you can repay within the agreed timeframe.

How can I apply for a short-term loan?

Applying for a short-term loan is generally straightforward and can often be done online. You need to fill out an application form, submit necessary documentation, and wait for the lender's approval. Once approved, funds are usually deposited into your bank account quickly.

Find Short-term Loans Near Me

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Garden City ZIP Codes

83703
83714