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Best Online Short-term Loans in Idaho Falls

Need quick cash? You're not alone, and we've got your back! When unexpected expenses hit, waiting for payday isn't always an option. That's where our Best Cash Advance Short-term Loans step in, providing a fast financial lifeline that gets you through tight spots. Feeling stressed about those urgent bills? Worry no more! Our streamlined process ensures you receive the help you need without the hassle. Dive into a flexible and hassle-free solution designed for your peace of mind. Let us bridge the gap between need and payday with our trusted short-term loans.

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Best Online Short-term Loans in Idaho Falls

Liberty Tax & Loans
Loan agency
5.00
10 reviews

Address: 273 N Woodruff Ave, Idaho Falls, ID 83401

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

Phone Number: +1 (208) 419-0439

Website: libertyloans.com

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Consumer Loans Current Loan Loans By Phone New Loan Refinance My Loan Short-Term Loans Term Loans
Check `n Go
Loan agency
5.00
10 reviews

Address: 580 E 17th St, Idaho Falls, ID 83404

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

Phone Number: +1 (208) 528-8500

Website: locations.checkngo.com/idaho/idaho-falls/580-e-17th-st-

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advances Checking Account Credit Counseling Credit Reporting Financial Solution Flexible Options Loan Applications Loan Repayment Loans Originated New Loan Refinance My Loan Retail Loans Retail Remote Refis And Reloans Cashier's checks
Trust Alliance Capital
Financial institution

Address: 2225 W Broadway St # J, Idaho Falls, ID 83402

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (800) 763-2810

Website: trustalliancecapital.com/contact.html

Ace Financial
Loan agency

Address: 1820 E 17th St #380, Idaho Falls, ID 83404

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

Phone Number: +1 (208) 552-2409

Website: acefinancialloans.com

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Loan Bad Credit Credit Card Debt Debt Consolidation Loan Financial Loans Financing Application Financing Options Fund Loans Home Lending Options Individual Loan Loan Consolidation Loan Online Loan Online Payment Payment Loan Personal Lending Personal Loans Repayment Plans Unsecured Loans
Montana Capital Bad Credit Loans
Loan agency
4.90
10 reviews

Address: 467 E Anderson St, Idaho Falls, ID 83401

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

Phone Number: +1 (208) 225-8616

Website: montana-capital.com/locations/idaho-falls

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Bad Credit Loans Bad Credit Personal Loans Car Financing Credit Card Debts Credit Counseling Easy Loans Home Remodeling Home Repairs Lender Loans Loans Grants Loans Personal Loans Loans Same Day On School Loans Online Bad Credit Loans Personal Loan Online Personal Loans Unsecured Loans Quick Online Loans Simple Loan Unsecured Loans Urgent Loan
Teton Financial
Loan agency
4.70
10 reviews

Address: 1970 E 17th St #102, Idaho Falls, ID 83404

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

Phone Number: +1 (208) 525-9200

Website: tetonidahofalls.com

Services:

Installment loans Payday loans Signature loans Title loans Auto Financing Auto Loans Bad Credit Loans Common Loan Debt consolidation Financial Assistance Financial emergencies Home Financial Home Remodel Home Repairs Loans Personal Loans Local Loan Major purchases Pay Day Loans Payment Plan Payments Applications online! Personal Loans Same Day Funding Same-Day Loans Secured Loans Title Loans Traditional Loans
Chastain Financial
Loan agency
4.70
10 reviews

Address: 280 S Holmes Ave, Idaho Falls, ID 83401

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

Phone Number: +1 (208) 542-5155

Website: chastainfinancialidaho.com

Services:

Installment loans Payday loans Signature loans Title loans Auto Financing Consumer Loan Easy Financing Secured Borrowing Student Loans Tow Truck
Security Finance
Loan agency
3.30
9 reviews

Address: 2235 E 17th St, Idaho Falls, ID 83404

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

Phone Number: +1 (208) 552-5500

Website: securityfinance.com/locations/idaho-falls-id-1345

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 Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Security Finance
Loan agency
2.80
10 reviews

Address: 270 S Woodruff Ave, Idaho Falls, ID 83401

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

Phone Number: +1 (208) 542-9467

Website: securityfinance.com/locations/idaho-falls-id-1166

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 Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Diversified Equity Systems LLC
Loan agency
1.00
2 reviews

Address: 414 Shoup Ave, Idaho Falls, ID 83402

Phone Number: +1 (208) 529-6843

Alternatives to Short-term Loans in Idaho Falls

Short-term loans come in various forms, including personal, installment, and title loans, each catering to different financial needs. Personal loans are often unsecured and can be used for a wide range of purposes, offering borrowers flexibility in their financial planning. Installment loans allow individuals to borrow a specific amount and repay it in fixed, regular payments, making them suitable for those who prefer predictable monthly expenses. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral; these loans are typically for smaller amounts and can offer fast cash access, but they also carry the risk of losing one's vehicle if not repaid promptly.

Best Personal Loan

Idaho First Mortgage - Oswald Talbot Group
5.00
31 reviews

Short-term loans can be a convenient option for individuals in need of quick financial assistance, and one of the best personal loans for short-term use is often provided by credit unions or online lenders. These loans usually have a fixed interest rate and are unsecured, meaning they do not require collateral. They are ideal for covering unexpected expenses or emergencies due to their quick approval process and immediate fund availability. It is crucial to compare various lenders to find competitive rates and terms suitable for the borrower's financial situation.

Best Car Title Loan

Teton Auto Credit
3.90
18 reviews

Title loans are an option for those who own their vehicles outright and need a quick infusion of cash. Borrowers use their car titles as collateral; hence, title loans are often easier to obtain than unsecured loans, even for individuals with poor credit histories. However, these loans can come with high-interest rates and the risk of losing one's vehicle if the loan is not repaid. The best title loans offer competitive rates and clear terms, with reputable lenders ensuring borrowers can make informed decisions. It's crucial for borrowers to fully understand the terms and risks involved before proceeding with a title loan.

Loan Regulations in Idaho

Short-term loan regulations are set statewide to ensure fair lending practices across the board in Idaho. Lenders are permitted to offer short-term loans up to $1,000 or 25% of a borrower's gross monthly income, whichever is less, without a cap on finance charges or APRs. The loan term can vary but must not exceed more than 35 days. Borrowers must have proof of employment or a steady source of income, along with a valid bank account, to qualify for a short-term loan.

Idaho allows up to 3 rollovers, which means borrowers can roll over an existing short-term loan into a new loan 3 times., a borrower must fully repay the existing loan before taking out another. These regulations apply to all short-term loan providers operating within the state of Idaho.

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 resource for managing unexpected expenses, allowing individuals to access immediate services across various sectors. They can be particularly useful for covering urgent medical bills for health treatments, financing necessary car repairs at automotive shops, or securing legal assistance from professional attorneys. Additionally, these loans can help in managing the costs of funeral arrangements or appliances repairs, ensuring that essential home equipment is functional and reliable.

Car Accessories
925 Pancheri Drive, Idaho Falls, ID 83402
+1 (208) 523-0298
Car Wash
1500 Ashment Avenue, Idaho Falls, ID 83404
+1 (208) 390-1945
Club & Association
151 North Ridge Avenue, Idaho Falls, ID 83402
+1 (208) 522-2014
College/University
1600 South 25th East, Idaho Falls, ID 83404
+1 (208) 524-3000
Community Center
530 East Anderson Street, Idaho Falls, ID 83401
+1 (208) 538-1888
Dentist
2860 Valencia Drive, Idaho Falls, ID 83404
+1 (503) 952-2000
Do-It-Yourself Centers
2075 South Holmes Avenue, Idaho Falls, ID 83404
+1 (208) 542-2520
Fast Food
680 East 17th Street, Idaho Falls, ID 83404
Fitness Club & Center
570 2nd Street, Idaho Falls, ID 83401
+1 (435) 740-0066
Government Office
308 Constitution Way, Idaho Falls, ID 83402
+1 (208) 612-8217
Hotel
2270 Channing Way, Idaho Falls, ID 83404
+1 (208) 542-9800
Library
457 West Broadway Street, Idaho Falls, ID 83402
+1 (208) 612-8334
Local Post Office
875 North Capital Avenue, Idaho Falls, ID 83402
+1 (208) 542-0837
Museum
200 North Eastern Avenue, Idaho Falls, ID 83402
+1 (208) 522-1400
Pharmacy
645 North Skyline Drive, Idaho Falls, ID 83402
+1 (208) 523-4111

FAQ

What is a Short-Term Loan?

A short-term loan is a type of lending that typically lasts for a brief period, often ranging from a few weeks to a few months. It is designed to cover urgent financial needs and is usually for smaller amounts compared to traditional loans.

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

Yes, you can often secure a short-term loan even with bad credit. Many lenders offer flexible terms and consider your current financial situation rather than just your credit score. However, interest rates may be higher to offset the lender's risk.

What are Same-Day Short-Term Loans?

Same-day short-term loans are designed to provide quick cash availability. Upon approval, the funds can be transferred into your bank account on the same day, helping to address immediate or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are a type of short-term loan typically due on your next payday. They are designed for emergency expenses and involve borrowing a small amount that you agree to repay with interest within a short time frame, usually two to four weeks.

What are the Costs Associated with Short-Term Loans?

Short-term loans often come with higher interest rates and fees than traditional loans. They may include service fees, origination fees, and penalty charges for late payments. It’s crucial to review the loan terms carefully before accepting the loan.

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

Before taking a short-term loan, consider your ability to repay the loan, the interest rates, fees, and terms of the loan. Ensure that it is the best option available and not a cycle of debt by understanding all conditions and evaluating your financial situation.

Are There Alternatives to Short-Term Loans?

Yes, alternative options include borrowing from friends or family, negotiating a payment plan with your creditors, or using a credit card for urgent needs. Some credit unions and non-profit organizations also offer low-interest emergency loans.

Find Short-term Loans Near Me

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Idaho Falls ZIP Codes

83401
83402
83404
83405
83406
83415