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Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (206) 274-2855
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-1401
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-3108
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 250-4401
Address: 8259 122nd Ave NE, Kirkland, WA 98033
Phone Number: +1 (425) 818-0138
Address: 12729 NE 103rd Pl, Kirkland, WA 98033
Today's Business Hours: 8:00 AM - 4:00 PM
Phone Number: +1 (425) 697-9669
Website: kirkland-washington.fundwisecapital.com
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-3158
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-3177
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-3129
Address: 11255 Kirkland Way # 100, Kirkland, WA 98033
Phone Number: +1 (425) 605-3031
Address: 401 Parkplace Center APT 319, Kirkland, WA 98033
Phone Number: +1 (425) 822-6535
Address: 13 Central Way, Kirkland, WA 98033
Today's Business Hours: 10:00 AM - 5:00 PM
Phone Number: +1 (425) 827-5572
Short-term loans offer financial solutions for urgent needs and come in various forms such as personal loans, installment loans, and title loans. Personal loans are unsecured and can be used for various purposes, often with higher interest rates due to the lack of collateral. Installment loans allow borrowers to repay the borrowed amount in fixed monthly payments over a specified period, making budgeting easier. Title loans require the borrower to use a vehicle as collateral, enabling quick access to funds but also posing the risk of losing the vehicle if the loan is not repaid. Each type caters to different financial situations and borrowing needs, offering flexibility but often at a higher cost compared to traditional loans.
Short-term personal loans are typically unsecured loans that are granted quickly and without the need for collateral. These loans are ideal for individuals who need a small amount of money urgently. The best personal short-term loan option would be one with a competitive interest rate, flexible repayment terms, and quick approval process. For example, a lending platform that offers online applications with instant decisions and funding within a day can be highly advantageous for borrowers needing immediate funds.
Installment loans are another form of short-term financing where the borrower receives a lump sum of money upfront and repays it through regular, fixed payments over a set period of time. This consistency makes budgeting easier, and is ideal for those who need a large sum of money but want to avoid a revolving credit option like a credit card. One well-regarded installment loan option is available through Marcus by Goldman Sachs, which offers no fees and fixed interest rates that can help save money over the loan term.
In Washington, short-term loan regulations are designed to protect consumers while providing access to short-term credit. The state has implemented rules such as a maximum loan amount of $700 or 30% of the borrower’s gross monthly income, whichever is lower. Washington also limits the number of loans to 8 within 12 months. Short-term loan terms must be your next pay date or within 45 days. The Annual Percentage Rate (APR) is capped, with a maximum rate of 391% on a 14-day loan.
Borrowers must be 18 years or older and have a regular income to qualify for a short-term loan. Lenders are also required to provide a clear repayment plan and they must check the state database to ensure borrowers do not exceed the maximum loan limit. These regulations apply statewide, ensuring consistency and protection across all of Washington.
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If you have recently taken out a short-term loan and are exploring where to allocate it, consider utilizing local service providers in essential areas. Medical facilities can assist with unexpected health expenses, car repair shops can address urgent vehicle issues, legal services may help with unforeseen legal matters, funeral services can provide support during times of loss, and appliance repair services can help maintain household essentials. These crucial services can effectively utilize the funds to address immediate and critical needs.
Short-term loans are a type of financial product designed to provide quick access to funds for a brief period, usually ranging from a few weeks to a few months. These loans are ideal for bridging temporary cash flow gaps or unexpected expenses.
Yes, some lenders specialize in offering short-term loans to individuals with bad credit. While your credit score may affect the terms and interest rates offered, having bad credit won’t necessarily disqualify you from obtaining a loan.
A same-day loan is a type of short-term loan where the loan processing and disbursement occur on the same day you apply. This option is beneficial when you need immediate financial assistance due to an emergency.
Short-term loans are a specific type of short-term loan designed to be repaid with your next paycheck. They offer quick access to cash and generally have high interest rates and fees. It's important to use short-term loans responsibly to avoid falling into a cycle of debt.
Eligibility criteria for short-term loans vary by lender, but generally include being at least 18 years old, having a regular source of income, and maintaining an active checking account. Some lenders may also require proof of residency and identification.
Yes, there are alternatives to short-term loans for those with bad credit, including credit union loans, personal installment loans, and borrowing from friends or family. Each alternative comes with its own set of conditions and considerations, so it's crucial to choose the option that best fits your financial situation.
You can apply for a short-term loan online or in person at a lender's location. The application process typically involves providing personal and financial information, employment details, and sometimes documentation to verify your income and identity.
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