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Best Online Short-term Loans in Johnson City

Need cash fast? We've all been there—unexpected expenses can throw your budget off balance. Short-term loans might be just the lifeline you need to get back on track. Don’t let financial hiccups stress you out. Our Best Cash Advance Short-term Loans offer quick, hassle-free solutions to keep you moving forward. Forget lengthy applications and waiting times; with us, you'll secure the funds you need, exactly when you need them. Choose our service today, and regain control of your finances in a pinch!

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Best Online Short-term Loans in Johnson City

1st Franklin Financial
Loan agency
5.00
10 reviews

Address: 3120 E Oakland Ave, Johnson City, TN 37601

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

Phone Number: +1 (423) 979-0509

Website: locations.1ffc.com/tn/johnson-city/3120-e.-oakland-avenue.html

Services:

Installment loans Signature loans Financial Loan Fixed Rates Loans Military Lending Personal Loans Premier Loan Residential Mortgage Retail Sales Financing Sales Financing
Advance America
Financial institution
4.90
10 reviews

Address: 509 N State of Franklin Rd Ste. 1, Johnson City, TN 37604

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

Phone Number: +1 (423) 926-7413

Website: advanceamerica.net/store-locations/tennessee/509-n-state-of-franklin-rd-ste-1-johnson-city-37604

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Bank Transfers Child Tax Credit Christmas Loans Consumers Loans Conventional Loans Credit Counseling Debt Management Easy Cash Loans Electronic Bank Emergency Loans Expanded Loan Financial Services Holiday Loans Home Improvement Home Loans Loan Applications Loan Processing Money Loans Money Management 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 Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinance My 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 Unsecured Loans Vehicle Insurance
Heights Finance
Loan agency
4.60
10 reviews

Address: 3915 Bristol Hwy, Johnson City, TN 37601

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

Phone Number: +1 (423) 610-1132

Website: heightsfinance.com/loan-office-location/heights-finance-in-johnson-city

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Loans Auto Repairs Consolidation Credit Credit Insurance Dealer Financing Disability Insurance Easy Loans Finance Cars Finance Finance Personal Loans Financing Program Fixed-Rate Loans Life Insurance Loan Advisors Local Loan New Loan Property Insurance Quick Credit Refinance My Current Loan Secured Borrowing Student Loans Unsecured Borrowing Vehicle Financing
Advance Financial
Loan agency
4.50
10 reviews

Address: 2920 N Roan St, Johnson City, TN 37601

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

Phone Number: +1 (423) 438-1342

Website: locations.af247.com/johnson-city/2920-n-roan-st

Services:

Bill paying Business check cashing Cash for gift cards Flex loans Installment loans Line of credit Money orders Money transfers Payday loans Title loans Atm Services Auto Repair Financial Loans Instant Cash Advance Online Lending Online Loan Apply Prepaid Cards
Advance Financial
Loan agency
4.40
12 reviews

Address: 929 W Market St, Johnson City, TN 37604

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

Phone Number: +1 (423) 438-1676

Website: locations.af247.com/johnson-city/929-w-market-st

Services:

Bill paying Business check cashing Cash for gift cards Flex loans Installment loans Line of credit Money orders Money transfers Payday loans Personal check cashing Title loans Atm Services Auto Repair Financial Loans Instant Cash Advance Online Lending Online Loan Apply Prepaid Cards
Cash Now Advance
Loan agency
4.40
4 reviews

Address: 612 Lyle St #105, Johnson City, TN 37604

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

Phone Number: +1 (423) 929-7515

Appalachian Lending
Loan agency
4.30
10 reviews

Address: 1200 N Roan St, Johnson City, TN 37601

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

Phone Number: +1 (423) 232-8959

Website: appalachianlending.com

Services:

Business loans Installment loans Payday loans Signature loans Title loans Auto Equity Loans Auto Purchase Loans Auto Repair Automobile Loan Confidential Loan Consumer Finance Existing Loan Financial Services Lending Loan Loan Online Monthly Payment Loans New Loan Secured Loans Small Personal Loan Starter Loan Traditional Loans Vacation Loans
Mariner Finance
Loan agency
4.30
10 reviews

Address: 1065 Hamilton Pl, Johnson City, TN 37604

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

Phone Number: +1 (423) 328-7166

Website: marinerfinance.com/locations/tennessee/mariner-finance-location-in-johnson-city-tn

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Apply For Financing Auto Refinancing Loans Auto Secured Loan Car Refinancing Car Refinancing Loans Consumer Finance Credit Card Payments Current Loan Customer Support Debt Consolidation Loan Fha Loans Finance A Used Car Financing Online Home Equity Loan Home Improvement Loans Home Loans Mortgage Loans Home Loans Resources Home Mortgage Home Refinance Industrial Loan Loan By Phone Loan Car Loans Loan Finance Loan Program Loan Solutions Mortgage Broker Mortgage Personal Loans Motor Vehicle New Car Loans Online Personal Loan Payment Plan Personal Financial Purchasing Or Refinancing Refinance Loans Refinance To A Lower Rate Residential Mortgage Lending Residential Mortgage Loan Sales Finance Sell Your Home Small Loan Special Day Tax Returns Unexpected Expenses Loans Unsecured Personal Loans Used Car Loans Vacation Financing Vacation Loans Vehicle Loan Wedding Loans debt consolidation loans
Credit Central
Loan agency
4.20
7 reviews

Address: 700 W Market St Suite 1, Johnson City, TN 37604

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

Phone Number: +1 (423) 979-0423

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
Covington Credit
Loan agency
4.00
8 reviews

Address: 600 N State of Franklin Rd #4, Johnson City, TN 37604

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

Phone Number: +1 (423) 929-3033

Website: heightsfinance.com/loan-office-location/cash-loans-johnson-city-tennessee

Services:

Line of credit Payday loans Signature loans Auto Repairs Credit Insurance Easy Loans Fixed-Rate Loans Personal Loans
Security Finance
Loan agency
4.00
1 reviews

Address: 1012 W Market St STE 3, Johnson City, TN 37604

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

Phone Number: +1 (423) 929-8113

Website: securityfinance.com/locations/johnson-city-tn-0501

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
The Cash Company - NorthSide
Loan agency
3.90
5 reviews

Address: 2122 N Roan St #5, Johnson City, TN 37601

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

Phone Number: +1 (423) 952-2274

Website: thecashcompany.com

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Advance Loans Cash Advance Check Advances Checking Account Credit History New Loan Personal Check Single Payment Loans Unsecured Loan
Easy Money
Financial institution
2.90
10 reviews

Address: 2221 N Roan St #1, Johnson City, TN 37601

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

Phone Number: +1 (423) 491-7100

Website: ccfi.com/goeasymoney

Services:

Express Loan Financial Solutions Notary Services Tax Preparation Tax Services
Truist
Bank
1.90
10 reviews

Address: 1806 W Market St, Johnson City, TN 37604

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

Phone Number: +1 (423) 491-4010

Website: truist.com/locations

First Heritage Credit
Loan agency
1.60
8 reviews

Address: 3101 Browns Mill Rd Ste 7, Johnson City, TN 37604

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

Phone Number: +1 (423) 232-6450

Website: 1stheritagecredit.com

Services:

Business loans Installment loans Auto Loan Car Repairs Debt Consolidation Lending Services Medical Bills Personal Loan Personal Installment Loans Consolidation Loans Consumer Financing Account Services

Alternatives to Short-term Loans in Johnson City

Short-term loans are financial products designed to provide quick cash to individuals, typically with a repayment period ranging from a few weeks to a year. Personal loans are a versatile type of short-term loan that can be used for various purposes, such as covering emergency expenses or consolidating debt, and are usually unsecured, relying on creditworthiness. Installment loans, on the other hand, involve borrowing a set amount of money and repaying it in regular, fixed payments over the loan term, often with higher interest rates due to the shorter repayment period. Title loans are secured loans where the borrower uses their vehicle title as collateral, allowing them to access funds quickly, but they come with the risk of losing the vehicle if the loan is not repaid as agreed.

Best Personal Loan

Benchmark Home Loans
5.00
14 reviews

One of the best options for a personal short-term loan is a payday loan. Payday loans are unsecured loans that offer quick cash infusion, usually intended to be paid back on the borrower’s next payday. These loans are appealing for those who have an urgent, short-term financial need and do not have access to other credit options. However, they typically come with high interest rates and fees, making them an expensive form of borrowing if not paid back quickly.

Best Installment Loan

World Finance
3.60
10 reviews

Installment loans are short-term loans that are repaid over a set period through regular monthly payments. These loans can be used for a variety of purposes, such as consolidating debt, making a significant purchase, or covering unforeseen expenses. They offer borrowers the benefit of predictable payment schedules, which can help with budgeting and financial planning. Due to their structured nature, installment loans are generally more manageable than other short-term borrowing options.

Best Car Title Loan

Tri-City Title Co Inc
4.20
4 reviews

Title loans use a borrower's vehicle title as collateral and are known for quick approval processes. LoanMart emerges as a recommendable option for title loans, offering flexible terms and transparent practices. With LoanMart, borrowers can access funds without giving up their vehicle use, and the company provides supportive customer service to facilitate a smooth loan experience. This solution is ideal for those needing immediate cash while still maintaining vehicle possession.

Loan Regulations in Tennessee

Tennessee’s short-term loan regulations have been established to ensure fair lending practices while providing consumers with quick access to cash. The state allows a maximum short-term loan amount of $500. The term of these loans can extend up to 31 days, offering a short-term financial solution for borrowers. When it comes to fees and interest rates, Tennessee permits payday lenders to charge a maximum fee of 15% of the total principal amount. Additionally, there are no restrictions on the annual percentage rates (APRs) that lenders can charge. To qualify for a short-term loan in Tennessee, borrowers generally need to provide proof of income, a valid bank account, and identification. These regulations are designed to balance the immediate financial needs of borrowers with consumer protection.

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 you've already secured a short-term loan, you can allocate the funds to essential local services that cater to immediate needs. Medical, car repair, legal, funeral, and appliance services are crucial areas where this financial cushion could be effectively utilized. Whether handling medical emergencies, fixing a vehicle, addressing legal matters, managing unexpected funeral expenses, or repairing essential home appliances, the loan can provide the necessary financial support.

Bodyshop
312 East Springbrook Drive, Johnson City, TN 37601
+1 (423) 232-1332
Car Wash
3319 Wayfield Drive, Johnson City, TN 37601
+1 (423) 282-0842
Club & Association
600 East Maple Street, Johnson City, TN 37601
+1 (423) 434-5200
College/University
3101 Browns Mill Road, Johnson City, TN 37604
+1 (423) 282-8000
Community Center
Lane St, Johnson City, TN 37614
Dentist
1720 West Market Street, Johnson City, TN 37604
+1 (423) 282-0042
Fast Food
1920 North Roan Street, Johnson City, TN 37601
Government Office
2735 East Oakland Avenue, Johnson City, TN 37601
+1 (423) 434-5254
Hospital
400 N State Of Franklin Rd, Johnson City, TN 37604
+1 (423) 431-6111
Hotel
10 Mark Twain Court, Johnson City, TN 37604
+1 (423) 262-8886
Library
3915 Bristol Highway, Johnson City, TN 37601
+1 (423) 854-2462
Mobile Phone Shop
149 Fitness Way, Johnson City, TN 37604
+1 (423) 926-9296
Movie Theater
1805 N Roan St, Johnson City, TN 37601
+1 (423) 929-7155
Museum
4th Street, Johnson City, TN 37604
Pharmacy
400 North State of Franklin Road, Johnson City, TN 37604
+1 (423) 431-2140

FAQ

What are short-term loans?

Short-term loans are financial products designed to cover immediate financial needs and are typically repaid within a short period, usually ranging from a few weeks to a few months. They are ideal for unexpected expenses and are often more accessible for individuals with bad credit.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans may come with higher interest rates due to the increased risk, but they can provide a viable solution for those in urgent need of funds.

How do same-day loans work?

Same-day loans are designed to be processed quickly, with funds typically being deposited into the borrower's bank account within the same day of approval. These loans are perfect for emergency situations where immediate access to cash is essential.

What is the difference between short-term loans and other short-term loans?

Short-term loans are a type of short-term loan that must be repaid by the borrower's next paycheck, usually within two to four weeks. Other short-term loans may offer longer repayment periods and varying terms, providing more flexibility than short-term loans.

Are there any risks associated with short-term loans?

Short-term loans can carry high-interest rates and fees, particularly for those with bad credit. If not managed properly, they can lead to a cycle of debt. It is important to understand the terms and conditions and ensure you can meet the repayment obligations before borrowing.

How can I apply for a short-term loan?

Applying for a short-term loan is often straightforward. You can apply online or in-person through a lender, providing some basic information such as proof of income, bank account details, and identification. Approval decisions are typically made quickly.

What happens if I can't repay my short-term loan on time?

If you are unable to repay your loan on time, it is important to contact your lender immediately. Many lenders offer extensions or repayment plans, but this may incur additional fees or higher interest rates. Failure to repay may affect your credit score and incur additional penalties.

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Johnson City ZIP Codes

37601
37602
37604
37605
37614
37615
37659
37684
37686
37694