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Best Online Short-term Loans in Jacksonville Beach

Struggling with unexpected expenses? Short-term financial strains can cause stress, but you don't have to face them alone. Our Best Cash Advance Short-term Loans are designed to provide quick relief, helping you manage your cash flow without hassles. Say goodbye to the sleepless nights and endless worries. With our easy application process and fast approval, you'll have the funds you need in no time. Experience the freedom that comes with knowing you're covered for life's surprises. Let us be your reliable support for short-term loan solutions.

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Best Online Short-term Loans in Jacksonville Beach

Truist
Bank
2.40
9 reviews

Address: 3720 3rd St S, Jacksonville Beach, FL 32250

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

Phone Number: +1 (904) 242-5170

Website: truist.com/locations

Summit Finance
Financial institution

Address: 3948 3rd St N, Jacksonville Beach, FL 32250

Phone Number: +1 (800) 448-2408

Website: summitfinance.com

Alternatives to Short-term Loans in Jacksonville Beach

Short-term loans come in various forms to meet different financial needs. Personal loans are unsecured loans typically offered by banks or online lenders and can be used for a variety of purposes, such as debt consolidation or unexpected expenses, with repayment terms often ranging from a few weeks to a year. Installment loans are a type of short-term loan that is repaid over a set term through regular payments, making them a predictable option for borrowers looking to manage their budget. Title loans involve using a vehicle title as collateral to secure the loan, providing borrowers with quick access to cash, but they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

Team Stewart At Bank of England
5.00
10 reviews

Short-term loans offer quick access to cash for borrowers requiring immediate financial assistance. Best personal loans in this category are often unsecured, meaning they do not require collateral. They are favored for their flexibility, as they can typically be used for any purpose, from covering medical emergencies to consolidating debt. Personal loans generally have fixed interest rates and predefined repayment terms, making them predictable for budgeting purposes. However, eligibility often depends on the borrower’s credit score, which can influence the interest rates and terms offered.

Best Car Title Loan

TRG Auto Finance, LLC
3.40
9 reviews

Title loans offer a quick way to secure a short-term loan using a vehicle title as collateral. The best title loans are typically found through reputable lenders that provide fair terms and rates while ensuring a transparent loan process. These loans can be a good option for borrowers with poor credit, as the vehicle's value determines the loan amount. However, it's important to understand the risks involved, as failing to repay the loan can result in the loss of the vehicle.

Loan Regulations in Florida

Short-term loan regulations in Florida are set statewide to ensure fair practices and protect borrowers. Under these regulations, the maximum loan amount a borrower can take out is $500, with a term ranging from 7 to 31 days. This ensures that loans are manageable and short-term, catering specifically to immediate, small-scale financial needs. The finance charges for these loans are capped at 10% of the loan amount, plus a verification fee of up to $5. This structure helps in keeping the costs transparent and within reasonable limits.

To be eligible for a short-term loan in Florida, applicants must provide proof of a steady income, be at least 18 years old, and have a valid bank account. Additionally, Florida law mandates a 24-hour cooling-off period after paying off a short-term loan before another can be taken out, promoting responsible borrowing. There is also a limit on the total number of outstanding loans a borrower can have at one time, further safeguarding against financial overextension. These comprehensive state-wide regulations are designed to protect consumers while providing them with accessible short-term financial solutions.

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.

Adventure Sports Facility
14th Avenue South, Jacksonville Beach, FL 32250
Car Wash
3176 Isabella Boulevard, Jacksonville Beach, FL 32250
+1 (904) 249-0270
Club & Association
319 Lions Club Road, Jacksonville Beach, FL 32250
+1 (904) 249-8558
College/University
1010 3rd Street North, Jacksonville Beach, FL 32250
+1 (904) 540-9570
Community Center
1st Street South, Jacksonville Beach, FL 32250
+1 (904) 241-3796
Concert Hall
106 6th Street North, Jacksonville Beach, FL 32250
+1 (904) 249-0289
Dentist
252 15th Avenue South, Jacksonville Beach, FL 32250
+1 (904) 372-1782
Do-It-Yourself Centers
3790 3rd St S, Jacksonville Beach, FL 32250
+1 (904) 247-7225
Doctor
1375 Roberts Drive, Jacksonville Beach, FL 32250
Fitness Club & Center
210 3rd Avenue South, Jacksonville Beach, FL 32250
+1 (904) 337-3500
Hospital
3rd Street South, Jacksonville Beach, FL 32250
+1 (904) 247-8181
Hotel
1101 Beach Boulevard, Jacksonville Beach, FL 32250
+1 (904) 435-3000
Movie Theater
14051 Beach Boulevard, Jacksonville Beach, FL 32250
+1 (904) 992-4398
Pharmacy
730 Beach Boulevard, Jacksonville Beach, FL 32250
+1 (904) 241-5171
Post Office
3948 3rd Street South, Jacksonville Beach, FL 32250
+1 (904) 249-7556

FAQ

What is a Short-Term Loan?

A short-term loan is a type of financial product that provides borrowers with quick access to funds that must be repaid within a shorter period, generally ranging from a few weeks to a few months. These loans are designed to cater to immediate financial needs, making them suitable for emergencies.

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

Yes, many lenders offer short-term loans to individuals with bad credit. However, the terms may differ, such as higher interest rates or lower loan amounts. It's essential to compare the options available to find a lender that caters to your specific credit situation.

What are Same-Day Loans?

Same-day loans are a subtype of short-term loans that are processed quickly, often within the same day of application approval. They are ideal for urgent financial needs, allowing borrowers to access funds without unnecessary delays.

How Do Short-term Loans Work?

Short-term loans are a form of short-term loans that are typically due on your next payday. They offer a fast solution to immediate cash shortages, requiring borrowers to repay the full loan amount, plus fees, in a single installment once they receive their paycheck.

What Are the Requirements for Obtaining a Short-Term Loan?

To obtain a short-term loan, lenders usually require you to meet certain criteria, such as being at least 18 years old, having a steady income source, and an active bank account. Some lenders might also require proof of identity and residence.

How Much Can I Borrow with a Short-Term Loan?

The amount you can borrow with a short-term loan varies by lender, but typically ranges from $100 to a few thousand dollars. The exact amount will depend on factors such as your income, credit score, and the lender's policies.

Are There Risks Associated with Short-Term Loans?

Short-term loans can carry high-interest rates and fees, especially for individuals with bad credit, making them expensive if not managed properly. It's vital to borrow only what you can repay and to explore alternative financing options when possible to avoid a cycle of debt.

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Jacksonville Beach ZIP Codes

32240
32250