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Best Online Short-term Loans in Hays

Need quick cash relief? When unexpected expenses hit, our Best Cash Advance Short-term Loans offer the speedy solution you need. Forget about the stress and hassle of traditional lending. We understand the urgency and are here to make borrowing easy. Traditional loans can be tedious, leaving you waiting when you don’t have time to spare. Our streamlined application process ensures you get what you need, when you need it, without the wait. Whether it's a car repair or an urgent bill, count on us for immediate financial support. Get back to what matters most with our fast and reliable short-term loans.

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Best Online Short-term Loans in Hays

Advance America
Financial institution
5.00
6 reviews

Address: 2522 Vine St Unit 2, Hays, KS 67601

Phone Number: +1 (785) 625-6045

Services:

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Check Into Cash
Financial institution
4.40
9 reviews

Address: 1004 E 41st St, Hays, KS 67601

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

Phone Number: +1 (785) 628-0744

Website: local.checkintocash.com/us/ks/hays/1004-east-41st-street

Services:

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Alternatives to Short-term Loans in Hays

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

Guardian Mortgage
5.00
10 reviews

Short-term loans are a versatile solution for individuals needing quick access to cash. Interest rates and fees can vary, so finding the best option tailored to specific needs is crucial. For personal loans, some lenders offer low-interest, no-collateral options where borrowers can apply for amounts based on their creditworthiness. With an efficient application and approval process, these loans can be ideal for unexpected expenses or financial emergencies requiring immediate attention.

Best Installment Loan

ATM
0.00
0 reviews

Installment loans are another viable option for short-term borrowing needs, characterized by their structured repayment schedule over a specified period. These loans allow borrowers to receive a lump sum upfront and pay it back in regular installments, typically on a monthly basis. This predictability can help borrowers manage their finances and budget accordingly. Installment loans are usually available from traditional banks and credit unions, as well as online lenders, providing a range of options and competitive rates for those looking for a short-term lending solution.

Best Car Title Loan

Loanmax Title Loans
4.90
10 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 Kansas

Short-term loans are regulated in Kansas to protect consumers while providing them with quick financial relief. These state-wide regulations stipulate that the maximum loan amount is $500, and the minimum loan term is 7 days, with a maximum term of 30 days. The finance charges for these loans are capped at 15% of the amount borrowed.

To be eligible for a short-term loan, borrowers typically need to provide proof of income, a valid government-issued ID, and an active checking account. The state also requires payday lenders to provide clear terms and conditions in their loan agreements, ensuring borrowers are fully informed about the fees, interest rates, and repayment expectations.

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

If someone has already taken out a short-term loan, they can utilize the funds across various local services, including medical, car repair, legal, funeral, and appliance services. Medical expenses can be addressed promptly with the loan, ensuring immediate access to necessary treatments or medications. Similarly, unexpected car repairs, legal fees, and appliance services can be managed effectively, while also providing essential support for funeral costs, which can often be a substantial financial burden.

Car Repair and Service
511 East 8th Street, Hays, KS 67601
+1 (785) 625-2672
Car Wash
703 Vine Street, Hays, KS 67601
Club & Association
1376 US Highway 40, Hays, KS 67601
+1 (785) 621-2489
College/University
1214 Maple Street, Hays, KS 67601
+1 (785) 628-4000
Community Center
2450 East 8th Street, Hays, KS 67601
+1 (785) 628-6644
Do-It-Yourself Centers
1310 East 41st Street, Hays, KS 67601
+1 (785) 625-0044
Fitness Club & Center
101 East 28th Street, Hays, KS 67601
+1 (785) 639-2532
Government Office
219 West 10th Street, Hays, KS 67601
+1 (785) 628-3102
Hospital
2220 Canterbury Drive, Hays, KS 67601
+1 (855) 429-7633
Hotel
3730 East 37th Street, Hays, KS 67601
+1 (785) 625-8048
Library
1205 Main Street, Hays, KS 67601
+1 (785) 625-9014
Local Post Office
706 Fort Street, Hays, KS 67601
+1 (785) 625-2012
Movie Theater
2918 Vine Street, Hays, KS 67601
+1 (785) 261-0126
Museum
1472 US Highway 183 Alternate, Hays, KS 67601
+1 (785) 628-8884
Pharmacy
517 West 27th Street, Hays, KS 67601
+1 (785) 625-2523

FAQ

What are short-term loans?

Short-term loans are financial products that allow individuals to borrow a small amount of money to be repaid within a brief period, typically within a few weeks or months. These loans are designed to provide immediate financial relief for unexpected expenses.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans often have more lenient credit requirements compared to traditional loans. However, interest rates and fees may be higher due to increased risk to the lender.

What is a same-day loan?

A same-day loan is a type of short-term loan where the borrower receives funds on the same day their application is approved. These loans are ideal for urgent situations where quick access to cash is necessary.

How do short-term loans work?

Short-term loans are short-term, high-interest loans typically due on the borrower's next payday. They are intended to cover immediate cash needs and are often repaid in a single lump sum, including fees, within two to four weeks.

What are the eligibility requirements for a short-term loan?

Eligibility for short-term loans generally includes being at least 18 years old, having a steady source of income, and providing a valid form of identification. Specific requirements can vary by lender, especially for those offering loans to individuals with bad credit.

Are there risks associated with short-term loans?

Yes, there are risks involved with short-term loans, particularly high interest rates and fees, which can lead to a cycle of debt if not managed properly. It's essential to understand the loan terms and ensure you can repay it on time to avoid further financial strain.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in-person at a lender's physical location. The application process typically involves filling out a form with your personal and financial information, along with providing any required documentation. Approval is usually quick, especially for same-day loans.

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Hays ZIP Codes

67601