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Best Online Short-term Loans in Grand Rapids

Need fast cash to tackle unexpected expenses? Short-term loans from "Best Cash Advance" are your go-to solution! When sudden financial hurdles arise, it can be overwhelming. Let that stress melt away with our quick and reliable short-term loan services. Our user-friendly process ensures you get the cash you need—right when you need it. Trust "Best Cash Advance" to help you bridge financial gaps effortlessly. Apply today and regain control of your finances with ease!

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Best Online Short-term Loans in Grand Rapids

OneMain Financial
Loan agency
4.90
6 reviews

Address: 1237 S Pokegama Ave, Grand Rapids, MN 55744

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

Phone Number: +1 (218) 326-6648

Website: onemainfinancial.com/branches/mn/grand-rapids/55744/4462

Services:

Business loans Flex loans Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Bill Consolidation Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Card Debt Credit Cards Debt Consolidation Loans Emergency Loansmoving Loans Family Support Financial Loans Financial Protection And Innovation Fixed Loan Funeral Loans Higher Loan Home Improvements Housing Counselors Loan Calculator Loan Originated Loan Processing Medical Bills Medical Loans Mortgage Loan Servicer Mortgage Loans Mortgage Originated Mortgage Payment Motor Vehicle Motorcycle Loans Payment Plan Personal & Auto Loans Personal Finance Personal Loans Online Real Estate Mortgage Real Estate Mortgage Loan Rebuild Credit Refinance Home Repayment Plan Rv Loans Secured Personal Loans Tax Returns Total Finance Unsecured Loan Unsecured Loans Vacation Loans Wedding Loans
Grand Rapids Loan Co
Loan agency
3.70
1 reviews

Address: 423 NW 1st Ave, Grand Rapids, MN 55744

Today's Business Hours: 8:30 AM - 3:00 PM

Phone Number: +1 (218) 326-6646

Website: grloan.net

Services:

Installment loans Signature loans Title loans Car Repairs Home Repairs Personal Loans Personal loans

Alternatives to Short-term Loans in Grand Rapids

Short-term loans come in various forms to meet different financial needs. Personal loans are unsecured loans typically offered by banks or online lenders and can be used for a variety of purposes, such as debt consolidation or unexpected expenses, with repayment terms often ranging from a few weeks to a year. Installment loans are a type of short-term loan that is repaid over a set term through regular payments, making them a predictable option for borrowers looking to manage their budget. Title loans involve using a vehicle title as collateral to secure the loan, providing borrowers with quick access to cash, but they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

The Title Team
4.30
5 reviews

One of the best options for a personal short-term loan is a payday loan. Payday loans are unsecured loans that offer quick cash infusion, usually intended to be paid back on the borrower’s next payday. These loans are appealing for those who have an urgent, short-term financial need and do not have access to other credit options. However, they typically come with high interest rates and fees, making them an expensive form of borrowing if not paid back quickly.

Loan Regulations in Minnesota

In Minnesota, short-term loan regulations are established state-wide to ensure consistent and fair lending practices. These regulations include a maximum loan amount of $350, aimed at preventing borrowers from accumulating excessive debt. Eligibility criteria for these loans generally require proof of regular income and a valid bank account, with lenders also often considering the borrower’s credit history. The loan terms in Minnesota are structured with a maximum duration of 30 days, catering to the short-term nature of these loans.

Regarding interest rates and fees, Minnesota law stipulates a tiered system based on the loan amount, capping charges to safeguard borrowers from exorbitant costs. These comprehensive regulations are in place to balance the immediacy of financial needs with responsible borrowing and lending practices, offering a protective framework for those seeking short-term loans in Minnesota.

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

After securing a short-term loan, individuals can utilize these funds with various local service providers to address urgent needs. For instance, they can cover expenses related to medical treatments, car repairs, legal consultations, funeral arrangements, and purchasing or repairing home appliances. These essential services allow for immediate action and resolution during unexpected or critical situations.

Car Wash
220 Northeast 3rd Street, Grand Rapids, MN 55744
+1 (218) 326-0831
Club & Association
1502 Northwest 20th Street, Grand Rapids, MN 55744
+1 (218) 326-0032
College/University
1861 East US Highway 169, Grand Rapids, MN 55744
+1 (218) 327-5958
Community Center
25349 Dove Lane, Grand Rapids, MN 55744
+1 (218) 326-0758
Dentist
220 Southeast 21st Street, Grand Rapids, MN 55744
+1 (218) 326-3438
Fast Food
1308 South Pokegama Avenue, Grand Rapids, MN 55744
Fitness Club & Center
211 Northwest 1st Avenue, Grand Rapids, MN 55744
+1 (218) 301-0244
General Practitioner
25 Northeast 3rd Street, Grand Rapids, MN 55744
+1 (218) 327-0012
Government Office
102 Northeast 3rd Street, Grand Rapids, MN 55744
+1 (218) 326-9515
Hospital
1601 Golf Course Road, Grand Rapids, MN 55744
+1 (218) 326-3401
Library
140 Northeast 2nd Street, Grand Rapids, MN 55744
+1 (218) 326-7641
Movie Theater
113 Southeast 21st Street, Grand Rapids, MN 55744
+1 (218) 326-5440
Museum
2 North Pokegama Avenue, Grand Rapids, MN 55744
+1 (218) 326-6431
Pharmacy
1542 Golf Course Road, Grand Rapids, MN 55744
+1 (218) 322-6210
Post Office
NE 3rd St, Grand Rapids, MN 55744
+1 (218) 327-4898

FAQ

What is a short-term loan?

A short-term loan is a type of credit that is typically repaid over a short period, often ranging from a few weeks to a few months. These loans are designed to provide quick financial relief and are often used for emergencies or unexpected expenses. Short-term loans can include short-term loans, same-day loans, and other similar credit options.

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

Yes, some lenders are willing to provide short-term loans to individuals with bad credit. These lenders focus on other factors such as income and employment status rather than just your credit score. However, be aware that loans for individuals with bad credit may come with higher interest rates.

What is the difference between a short-term loan and a same-day loan?

Short-term loans are a type of short-term loan that is typically due on your next payday. These loans often have high interest rates and fees. Same-day loans are similar in that they are designed for short-term financial needs, but the key feature is that they can be approved and disbursed on the same day, offering quick access to funds.

How much can I borrow with a short-term loan?

The amount you can borrow with a short-term loan varies depending on the lender and your financial situation. Typically, these loans range from a few hundred dollars to a few thousand dollars. Always borrow only what you need and can afford to repay to avoid financial strain.

What are the risks associated with short-term loans?

Short-term loans come with several risks, including high interest rates and fees. Failing to repay on time can lead to additional charges and negatively impact your credit score. It's important to carefully consider your ability to repay the loan before applying.

How quickly can I receive funds from a short-term loan?

One of the primary benefits of short-term loans is their fast disbursement. Many lenders offer same-day or next-day funding if the application is approved. The exact timing depends on the lender and your bank's processing times.

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

Yes, there are alternatives to short-term loans for those with bad credit. Consider borrowing from friends or family, negotiating a payment plan with creditors, or seeking assistance from a local community or charitable organization. Additionally, some lenders offer installment loans with longer repayment terms, which may be more manageable.

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Grand Rapids ZIP Codes

55730
55744
55745