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Best Online Short-term Loans in Harlowton

Need cash in a hurry? A financial bind doesn't have to stress you out. Short-term loans are your quick and easy fix! We understand the frustration of unexpected expenses, feeling stuck, and having no way out. Luckily, our Best Cash Advance Short-term Loans offer a fast, reliable solution to get you back on track. Whether it's an emergency repair or a sudden bill, we’re here to help you bridge the gap with flexibility and speed. You deserve a hassle-free way to manage life's surprises. Let us help you find the stability you need.

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Best Online Short-term Loans in Harlowton

Tri County Federal CU
Financial institution

Address: 15 1st St SE, Harlowton, MT 59036

Phone Number: +1 (406) 632-4357

Alternatives to Short-term Loans in Harlowton

Short-term loans come in various forms tailored to different financial needs. Personal loans offer quick cash without requiring collateral, making them suitable for sudden financial needs or emergencies. They usually involve a straightforward application process with repayment terms typically spanning a few months. Installment loans are another common type, allowing borrowers to pay back the borrowed amount in fixed monthly payments over a set period, thereby providing a structured repayment plan that can be easier to manage. Title loans are secured loans where borrowers use their vehicle title as collateral, offering quick access to cash but posing a risk of losing the vehicle if the loan is not repaid. These loans often come with high interest rates and are generally used as a last resort for immediate funding needs.

Best Personal Loan

Citizens Bank & Trust Co
5.00
0 reviews

Short-term loans are quick financing solutions that typically require repayment within a few months to a year. For the best personal loans, one might consider options like Upstart. Upstart focuses on factors beyond credit score, such as education and employment, providing a more personalized rate. This accessibility, coupled with flexible loan amounts and quick funding, makes it a leading choice for personal short-term financing needs.

Loan Regulations in Montana

Short-term loans in Montana are tightly regulated under the Montana Deferred Deposit Loan Act, ensuring consumer protection across the state. The regulations specify that lenders must be licensed by the state, with loans capped at $300 or 25% of the borrower's gross monthly income, whichever is less. The maximum term for these loans is 31 days, and the APR is limited to 36%. Borrowers are charged $1.39 for a 14-day $100 loan; lenders can levy a $30 non-sufficient funds fee. Importantly, loans cannot be rolled over or refinanced in Montana, which helps prevent a cycle of debt.

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

Short-term loans can be a valuable financial resource for individuals needing immediate support for various local services. Borrowers can utilize funds to cover medical expenses, car repair costs, legal fees, funeral arrangements, or purchasing essential appliances. By addressing these urgent needs, short-term loans provide a buffer to ensure critical services are not disrupted.

Car Repair and Service
100 Central Avenue North, Harlowton, MT 59036
+1 (406) 632-4223
Club & Association
33 A Avenue Northeast, Harlowton, MT 59036
+1 (406) 632-4122
Community Center
41 Central Avenue South, Harlowton, MT 59036
+1 (406) 632-4360
Dentist
201 East Division Street, Harlowton, MT 59036
+1 (406) 632-4511
Florists
202 Central Avenue South, Harlowton, MT 59036
+1 (406) 632-4695
Government Office
212 C Avenue Southeast, Harlowton, MT 59036
+1 (406) 632-4156
Hospital
530 3Rd St Nw, Harlowton, MT 59085
+1 (406) 632-4351
Library
17 Central Avenue South, Harlowton, MT 59036
+1 (406) 632-5584
Local Post Office
12 1st Street Southeast, Harlowton, MT 59036
+1 (406) 632-5822
Motel
309 3rd Street Northeast, Harlowton, MT 59036
+1 (406) 632-4119
Movie Theater
20 Central Avenue North, Harlowton, MT 59036
+1 (406) 632-5858
Museum
36 Central Avenue South, Harlowton, MT 59036
+1 (406) 632-5519
Pharmacy
100 Central Avenue North, Harlowton, MT 59036
+1 (406) 632-3166
Pizzeria
113 2nd Street Northeast, Harlowton, MT 59036
+1 (406) 632-5520
Veterinarian
508 Hawkeye Road, Harlowton, MT 59036
+1 (406) 632-5548

FAQ

What is a Short-Term Loan?

A short-term loan is a type of financial product designed to help cover unexpected expenses or emergencies. These loans are typically repaid within a few months and can be useful for managing cash flow gaps.

Can I Get a Short-Term Loan with Bad Credit?

Yes, many lenders specialize in offering short-term loans to individuals with bad credit. While higher interest rates may apply, having a poor credit history does not automatically disqualify you from getting a short-term loan.

What are Same-Day Loans?

Same-day loans are a type of short-term loan designed to provide quick access to funds, often on the same day you apply. These loans are convenient for covering urgent financial needs but typically come with higher fees and interest rates.

How Do Short-term Loans Work?

Short-term loans are a specific type of short-term loan that must be repaid with your next paycheck. They are often for small amounts and provide fast cash, but their high interest rates and fees can make them a costly borrowing option.

What are the Requirements for a Short-Term Loan?

Typically, to qualify for a short-term loan, you need to be at least 18 years old, have a regular income, and possess an active checking account. Requirements may vary by lender, so it's important to check their specific criteria.

Are There Alternatives to Short-Term Loans for Bad Credit?

Yes, there are several alternatives to short-term loans for individuals with bad credit, such as personal installment loans, credit union loans, or getting a co-signer. Exploring these options might result in better terms and lower costs.

What Should I Consider Before Taking a Short-Term Loan?

Before taking a short-term loan, consider the interest rates, fees, and repayment terms. Ensure that you can afford the loan and that it meets your financial needs without compromising your ability to pay. Double-check the lender's reputation and understand all terms before signing.

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Harlowton ZIP Codes

59036