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Best Online Short-term Loans in Hamilton

Feeling the pinch before payday? You're not alone. Short-term financial hiccups can happen to anyone, but they don't have to derail your life. That's where our come in. Designed to tackle unexpected expenses quickly, these loans offer an easy and fast solution when you need it most. Say goodbye to the stress of sudden bills and hello to financial peace of mind. Let us help bridge your financial gap with a hassle-free loan experience tailored just for you.

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Best Online Short-term Loans in Hamilton

Credit Central
Loan agency
5.00
1 reviews

Address: 1241 Military St S, Hamilton, AL 35570

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

Phone Number: +1 (205) 921-0226

Website: creditcentralllc.com

Services:

Business loans Income tax return preparation Installment loans Payday loans Account Servicing Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Traditional Bank Loans Vehicle Repairs
Advance America
Financial institution
5.00
10 reviews

Address: 1500 Military St S Ste. 4, Hamilton, AL 35570

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

Phone Number: +1 (205) 921-5193

Website: advanceamerica.net/store-locations/alabama/1500-military-st-south-ste-4-hamilton-35570

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Farm Insurance Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Loans Grant Manage Loan Money Loans Money Orders Money Transfer Service Money Transfers Netspend® Visa® Prepaid Card New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Unsecured Loans Vehicle Insurance
World Finance
Loan agency
4.60
10 reviews

Address: 535 Military St S Ste 3, Hamilton, AL 35570

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

Phone Number: +1 (205) 921-1254

Website: loansbyworld.com/locations/alabama/hamilton/35570/1564

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
Check Into Cash
Financial institution
3.40
3 reviews

Address: 535 Military St S Ste 5, Hamilton, AL 35570

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

Phone Number: +1 (205) 921-2400

Website: local.checkintocash.com/us/al/hamilton/535-military-street-south-suite-5

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
Security Finance
Loan agency
3.00
4 reviews

Address: 225 Bexar Ave E #4, Hamilton, AL 35570

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (205) 208-1285

Website: securityfinance.com/locations/hamilton-al-1928

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 Financial Solutions Health Insurance Income Tax Preparation Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Advance America Cash
Financial institution

Address: AL-17, Hamilton, AL 35570

Website: advanceamerica.net

Alternatives to Short-term Loans in Hamilton

Short-term loans come in various forms, each designed to meet immediate financial needs. Personal loans are unsecured, meaning they don't require collateral and can be used for a variety of expenses, typically offering a fixed repayment schedule over a short period. Installment loans, on the other hand, involve borrowing a set amount of money that is repaid with interest in regular, predefined payments, which may provide the borrower with more time to manage their budget. Title loans are secured loans that use the borrower's vehicle as collateral, allowing access to funds based on the car's value while still permitting the borrower to use the vehicle during the loan term. Each loan type offers unique advantages and risks, making it essential for borrowers to thoroughly evaluate their financial situation and repayment ability before proceeding.

Best Personal Loan

1st Franklin Financial
5.00
6 reviews

Short-term personal loans are a type of financing designed to be repaid within a short period, typically ranging from a few weeks to a few months. These loans are often unsecured, meaning you don't need to provide collateral to qualify. They are best used for immediate, small-scale financial needs like emergency expenses or quick purchases. One of the best options for a short-term personal loan might be from an online lender like LendingClub, known for its quick approval process and competitive interest rates, allowing you to access funds swiftly without the need for extensive paperwork.

Best Car Title Loan

Money Matters Title Loans
4.60
7 reviews

Title loans provide a short-term lending option for those who own a vehicle. In a title loan, the borrower uses their vehicle as collateral in exchange for a loan amount, often a percentage of the vehicle's current market value. These loans typically have very short repayment terms, often 30 days, but can provide quick cash access. Title loans are relatively easy to obtain, even for individuals with poor credit backgrounds, due to the collateral securing the loan. However, there is a significant risk involved, as the borrower may lose their vehicle if they are unable to repay the loan as agreed. Despite the risk, title loans remain a viable short-term borrowing choice for those needing immediate funds and who are confident in their ability to repay the loan on time.

Loan Regulations in Alabama

Alabama's statewide regulations on short-term loans aim to protect borrowers while allowing them access to quick funds in a regulated environment. In the Heart of Dixie, short-term loan lenders are governed by the Alabama Deferred Presentment Services Act, which stipulates that the maximum loan amount a consumer can borrow is $500. The minimum loan term is set at 10 days, with the maximum term not exceeding 31 days, ensuring that loans are repaid promptly.

Interest rates in Alabama for short-term loans are capped by law, with a maximum APR (Annual Percentage Rate) that lenders are allowed to charge. Additionally, borrowers must be provided with clear and comprehensive terms before entering into a loan agreement, ensuring transparency and informed decision-making.

Eligibility for a short-term loan in Alabama typically requires the borrower to have a valid government-issued ID, proof of income, and an active bank account. Lenders also must follow strict guidelines regarding rollovers and are limited in the number of times a loan can be renewed.

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 several key local services where these funds can be effectively utilized. Medical services might include paying for unexpected emergency treatments or medication needs. Car repair services are essential for maintaining reliable transportation, and legal services can help cover expenses related to navigating legal issues. Additionally, funeral services may require financial support for unforeseen expenses, while appliance services ensure essential home appliances are maintained or replaced as necessary.

Car Wash
115 Pikeville Trail, Hamilton, AL 35570
+1 (205) 921-2378
College/University
Military Street South, Hamilton, AL 35570
+1 (205) 921-3177
Community Center
7th Avenue Southwest, Hamilton, AL 35570
+1 (205) 921-4371
Doctor
1256 Military Street South, Hamilton, AL 35570
+1 (781) 699-4404
Fitness Club & Center
216 1st Avenue Southwest, Hamilton, AL 35570
+1 (205) 921-1415
Government Office
350 Bexar Avenue West, Hamilton, AL 35570
+1 (205) 921-4290
Hospital
1336 Military Street South, Hamilton, AL 35570
+1 (205) 921-6496
Hotel/Motel
2031 Military Street South, Hamilton, AL 35570
+1 (205) 921-0460
Library
1333 Military Street South, Hamilton, AL 35570
+1 (205) 921-3177
Local Post Office
315 Bexar Avenue East, Hamilton, AL 35570
+1 (205) 921-3895
Pharmacy
1508 Military Street South, Hamilton, AL 35570 (US-43 South, State Route 171, Alabama 171)
+1 (205) 921-1881
Veterinarian
1126 County Highway 35, Hamilton, AL 35570
+1 (205) 921-0922

FAQ

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.

Find Short-term Loans Near Me

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Hamilton ZIP Codes

35563
35570