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Best Online Short-term Loans in Grand Junction

Need quick cash to cover unexpected expenses? Short-term loans can be your lifesaver! You're not alone when emergencies pop up and your paycheck isn't enough to cover them. This is where our Best Cash Advance Short-term Loans step in to offer a fast and easy solution to your financial challenges. Avoid the stress of financial shortfalls and get the money you need quickly. With our straightforward process, securing a short-term loan has never been easier. Rely on us for the peace of mind and financial flexibility you deserve!

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Best Online Short-term Loans in Grand Junction

Top Cash Advance
Loan agency
5.00
6 reviews

Address: 1842 N 12th St, Grand Junction, CO 81501

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

Phone Number: +1 (970) 578-1844

Website: topcadvance.com/locations/grand-junction

Services:

Business loans Flex loans Installment loans Payday loans Title loans Auto Loan Bad Credit Car Loan Boat Financing Boat Loan Financing Loans Loan Program Motorbike Finance No Credit Check Loans Online Loans Payment Loans Quick Cash Revolving Loans Short-Term Loan Simple Loan Used Car Loan
Check Into Cash
Financial institution
4.60
10 reviews

Address: 2546 Rimrock Ave Suite 500, Grand Junction, CO 81505

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

Phone Number: +1 (970) 242-4225

Website: local.checkintocash.com/us/co/grand-junction/2546-rimrock-avenue-suite-500

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
Western Rockies FCU
Credit union

Address: 2302 North Ave, Grand Junction, CO 81501

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

Phone Number: +1 (970) 243-2434

Website: westernrockiesfcu.org

American AgCredit
Bank

Address: 2452 F Rd #101, Grand Junction, CO 81505

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

Phone Number: +1 (970) 243-1784

Website: agloan.com

Freedom Financial Services
Loan agency

Address: 300 Main St, Grand Junction, CO 81501

Phone Number: +1 (970) 263-7200

Small Business Financial Corporation
Loan agency

Address: 2591 Legacy Way, Grand Junction, CO 81503

Phone Number: +1 (970) 500-5147

Alternatives to Short-term Loans in Grand Junction

Short-term loans come in various forms, each catering to specific needs and requirements. Personal short-term loans are generally unsecured and offer quick access to funds, often used for emergency expenses or bridging financial gaps until the next paycheck. Installment loans, on the other hand, provide a fixed lump sum that is repaid over a set period via scheduled payments, helping manage repayments more effectively. Title loans, a type of secured loan, require borrowers to use their vehicle's title as collateral, offering fast cash but with the risk of losing the vehicle if the loan is not repaid timely. Each loan type has distinct terms, eligibility criteria, and risks, making it essential to carefully assess options before proceeding.

Best Personal Loan

Primary Residential Mortgage, Inc.
5.00
10 reviews

Short-term personal loans are designed for individuals who need quick access to funds and are typically unsecured. They are often characterized by higher interest rates and shorter repayment periods compared to traditional loans. Online lenders and financial institutions offer these loans with varying terms and conditions. The best personal loans tend to have flexible repayment options, low-interest rates, and minimal fees, making them suitable for borrowers who have a good credit score and need smaller amounts of money for immediate personal expenses.

Best Installment Loan

Independent Finance Company
3.20
10 reviews

Installment loans are another type of short-term loan that provides borrowers with a lump sum of money upfront, which is then repaid in fixed installments over a specified period. These are particularly beneficial for those who prefer a predictable payment schedule and want to avoid the hassle of balloon payments. A highly recommended installment loan would offer reasonable interest rates, multiple repayment options, and an easy application process. It is most suitable for individuals needing to finance larger purchases or consolidate debt.

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 utilize it across a range of critical services. For medical needs, local clinics and hospitals provide treatment options that could be covered by the loan. Auto repair shops offer services for vehicle maintenance and repairs, while legal firms can assist with personal or business matters. Additionally, funeral homes help with costs associated with end-of-life arrangements, and appliance service providers handle necessary repairs and replacements for household items.

Car Repair and Service
651 Market Street, Grand Junction, CO 81505
+1 (970) 241-2414
Car Wash
2884 North Avenue, Grand Junction, CO 81501
+1 (970) 245-7396
Club & Association
2791 Printers Court, Grand Junction, CO 81506
+1 (970) 242-4550
College/University
730 Mesa Avenue, Grand Junction, CO 81501
+1 (970) 822-7118
Community Center
2232 North 7th Street, Grand Junction, CO 81501
+1 (970) 263-9092
Concert Hall
414 Main Street, Grand Junction, CO 81501
Dentist
790 Wellington Avenue, Grand Junction, CO 81501
+1 (970) 243-9292
Fast Food
1111 North Avenue, Grand Junction, CO 81501
General Practitioner
North 9th Street, Grand Junction, CO 81501
+1 (970) 778-7535
Government Office
250 North 5th Street, Grand Junction, CO 81501
+1 (970) 244-1507
Hospital
2121 North Avenue, Grand Junction, CO 81501
+1 (970) 242-0731
Hotel
625 Rae Lynn, Grand Junction, CO 81505
+1 (970) 245-8164
Library
1100 North Avenue, Grand Junction, CO 81501
+1 (970) 248-1862
Movie Theater
648 Market Street, Grand Junction, CO 81505
+1 (970) 248-3558
Museum
2660 Unaweep Avenue, Grand Junction, CO 81503
+1 (970) 254-1626

FAQ

What is a short-term loan?

A short-term loan is a type of loan designed to be repaid over a short period, typically within a few months. These loans are often used to cover immediate financial needs and are available in smaller amounts compared to traditional loans.

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

Yes, many lenders offer short-term loans to individuals with bad credit. While a poor credit score may limit your options, some lenders specialize in providing loans to those with less-than-perfect credit histories.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive the loan amount on the same day they apply. These loans are particularly useful in emergency situations where quick access to funds is necessary.

How do short-term loans work?

Short-term loans are short-term, small-dollar loans that are typically due on your next payday. They are intended to cover urgent expenses and are often a popular choice for borrowers needing quick access to cash. However, they usually come with high fees or interest rates.

What is the typical amount I can borrow with a short-term loan?

With short-term loans, you can typically borrow amounts ranging from a few hundred to a few thousand dollars. The exact amount depends on the lender and your financial situation.

Are there any alternatives to short-term loans for bad credit?

Yes, alternatives include credit unions, personal installment loans, and peer-to-peer lending platforms. These may offer more favorable terms and lower interest rates compared to traditional short-term loans.

What should I consider before applying for a short-term loan?

Before applying, consider the interest rates, repayment terms, and any additional fees. Ensure the loan is affordable and that you have a plan to repay it on time to avoid additional debt or financial strain.

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Grand Junction ZIP Codes

81501
81502
81503
81504
81505
81506
81507