What are short-term loans?

Short-term loans are financial products designed to help individuals cover urgent expenses. These loans are usually for small amounts and are expected to be paid back quickly, often within 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. While traditional banks may have stricter requirements, online lenders and short-term loan providers often approve loans based on other factors, such as income and employment status.

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

Same-day loans are processed and disbursed on the same day that you apply, making them a quick option in emergencies. Short-term loans, a type of short-term loan, are typically due on your next payday and may not always offer same-day processing, though many lenders do offer rapid approval.

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 circumstances. Commonly, short-term loans range from $100 to $5,000, but the specifics will depend on your income and the lender's policies.

Are there any risks associated with short-term loans?

Yes, short-term loans can come with high interest rates and fees, especially if they are not repaid on time. It is crucial to understand the loan terms and ensure that you can repay the loan to avoid falling into a cycle of debt.

How do I apply for a short-term loan?

To apply for a short-term loan, you can either visit a lender's physical location or apply online. You'll typically need to provide proof of income, identification, and a bank account. Once your information is verified, you may receive approval and funds quickly, sometimes on the same day.

What are the costs involved with short-term loans?

The costs associated with short-term loans can include interest rates, processing fees, and late payment charges. Given their short repayment periods, careful consideration should be paid to the effective annual rates, which can be significantly higher than traditional loans.

Fast & Easy Best Online Short-term Loans in Greenville, SC

Best Online Short-term Loans in Greenville

Money Store

Loan agency

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Address: 6134 White Horse Rd # K, Greenville, SC 29611

Phone Number: +1 (864) 220-0127

Family Check Casher

Check cash

5.00

2 reviews

Apply Online View Details

Address: 704 Cedar Lane Rd, Greenville, SC 29617

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

Phone Number: +1 (864) 271-1160

World Finance

Loan agency

5.00

10 reviews

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Address: 3223D N Pleasantburg Dr, Greenville, SC 29609

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

Phone Number: +1 (864) 233-4186

Website: loansbyworld.com/locations/south-carolina/greenville/29609/250

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Bonanza Quick Loans

Loan agency

5.00

10 reviews

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Address: 2327 N Pleasantburg Dr A, Greenville, SC 29609

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

Phone Number: +1 (864) 777-0003

Website: bonanzaquickloans.com

Services:

Business loans Title loans Prestamos Personales Prestamos sobre titulo Prestamos de dinero

Bonanza Quick Loans

Loan agency

5.00

10 reviews

Apply Online View Details

Address: 6304 White Horse Rd Suite B6, Greenville, SC 29611

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

Phone Number: +1 (864) 777-0003

Website: bonanzaquickloans.com

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1st Franklin Financial

Loan agency

4.90

10 reviews

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Address: 2537 N Pleasantburg Dr Suite B, Greenville, SC 29609

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

Phone Number: +1 (864) 232-1746

Website: locations.1ffc.com/sc/greenville/2537-n-pleasantburg-dr.html

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M&M Tax Service

Financial institution

4.90

10 reviews

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Address: 6123 Augusta Rd, Greenville, SC 29605

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (864) 277-6697

Website: mmtax.com/stores/sc/greenville/6123+s.+augusta+rd.

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Advance America

Financial institution

4.80

10 reviews

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Address: 3403 W Blue Ridge Dr, Greenville, SC 29611

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

Phone Number: +1 (864) 269-9059

Website: advanceamerica.net/store-locations/south-carolina/3403-w-blue-ridge-drive-greenville-29611

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M&M Tax Service

Financial institution

4.40

12 reviews

Apply Online View Details

Address: 1555 Laurens Rd, Greenville, SC 29607

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (864) 235-1978

Website: mmtax.com/stores/sc/greenville/1555+laurens+rd.

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Alternatives to Short-term Loans in Greenville

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

Check 'n Go

5.00

27 reviews

Short-term personal loans are a popular choice for individuals seeking quick access to cash for unexpected expenses or urgent needs. These loans typically have shorter repayment periods, often ranging from a few weeks to a few months, and are generally unsecured. This means that borrowers are not required to provide collateral, making the application process relatively straightforward. Interest rates can vary significantly depending on the lender, creditworthiness, and loan terms, so it's crucial to compare different options to find the best rate available.

Best Installment Loan

M&M Tax Service

4.80

10 reviews

Installment loans are another type of short-term loan that allows borrowers to receive a lump sum upfront to be repaid in fixed, regular payments over a specified period. These loans are ideal for people who need a structured repayment plan and prefer the consistency of fixed monthly payments. The best installment loans often come with competitive interest rates and flexible terms that cater to a borrower's financial situation, making them a viable option for consolidating debt or covering significant expenses like car repairs or education costs.

Best Car Title Loan

Auto Money

5.00

43 reviews

Title loans are a unique short-term loan type where the borrower provides their vehicle's title as collateral. These loans are generally quicker to obtain due to their secured nature, as lenders are more willing to offer them even to those with poor credit. The best title loans often offer low-interest rates and give borrowers the flexibility to maintain usage of their vehicle while repaying the loan. Borrowers should, however, remain cautious as defaulting on the loan could lead to repossession of their vehicle.

Loan Regulations in South Carolina

In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.

The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.

Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.

These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.

Short-Term Loan Calculator

Loan Amount:

Loan Term:

day(s)

Interest Rate:

Origination Fee:

Estimated Payment

$327.12

Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

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Where to Use Short-term Loan

Once you've secured a short-term loan, it can be utilized across various essential service areas. For medical services, the loan can help cover unexpected hospital visits, prescriptions, or necessary medical treatments. If your vehicle requires immediate attention, you can allocate funds towards car repair services, while also having the flexibility to address immediate legal issues or pay for funeral services. Furthermore, should an appliance suddenly malfunction, the loan provides a quick solution to afford repair or replacement costs.

Car Wash

1536 Woodruff Road, Greenville, SC 29607

+1 (864) 288-0904

Club & Association

945 South Main Street, Greenville, SC 29601

+1 (864) 240-4528

College/University

700 North Parker Road, Greenville, SC 29609

+1 (864) 678-4900

Community Center

8 Rochester Street, Greenville, SC 29611

+1 (864) 467-4329

Concert Hall

College Street, Greenville, SC 29601

+1 (864) 233-6238

Dentist

10 Cleveland Court, Greenville, SC 29607

+1 (864) 242-9411

Fitness Club & Center

3014-A Augusta Street, Greenville, SC 29605

+1 (864) 605-7699

Government Office

107 West Antrim Drive, Greenville, SC 29607

+1 (864) 232-9104

Hospital

701 Grove Road, Greenville, SC 29605

+1 (864) 455-7000

Library

104 Sunnydale Drive, Greenville, SC 29609

+1 (864) 234-4904

Motel

12 Impact Drive, Greenville, SC 29605

Movie Theater

1900 Laurens Road, Greenville, SC 29607

+1 (864) 248-0606

Museum

100 Lavinia Avenue, Greenville, SC 29601

+1 (864) 233-4103

Organic Food Restaurant

3608 Pelham Road, Greenville, SC 29615

+1 (864) 605-7999

Pharmacy

59 Kitty Hawk Road, Greenville, SC 29605

+1 (864) 236-0808

Table of Content

Best Online Short-term Loans in Greenville
Alternatives to Short-term Loans in Greenville
Loan Regulations in South Carolina
Short-Term Loan Calculator
Where to Use Short-term Loan

Best Online Short-term Loans in Greenville

Best Online Short-term Loans in Greenville

Alternatives to Short-term Loans in Greenville

Best Personal Loan

Best Installment Loan

Best Car Title Loan

Loan Regulations in South Carolina

Short-Term Loan Calculator

Where to Use Short-term Loan

Table of Content

Short-term Loans by State

FAQ

What are short-term loans?

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

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

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

Are there any risks associated with short-term loans?

How do I apply for a short-term loan?

What are the costs involved with short-term loans?

Find Short-term Loans Near Me

Greenville ZIP Codes