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Best Online Short-term Loans in Kittery

Stuck in a cash crunch? That unexpected bill or urgent purchase can't wait, and neither should you. The stress of financial strain can keep you up at night, but we have the perfect solution. Our Best Cash Advance Short-term Loans offer quick, straightforward relief right when you need it most. No more waiting or endless paperwork. With our streamlined process, you’ll have funds in your pocket, fast. Don’t let unexpected expenses derail your plans. Trust us to provide a hassle-free borrowing experience that gets you back on track in no time. Act now and secure your short-term loan today!

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Best Online Short-term Loans in Kittery

Kennebunk Savings
Bank
3.30
6 reviews

Address: 4A Shapleigh Rd, Kittery, ME 03904

Today's Business Hours: 8:30 AM - 4:30 PM

Phone Number: +1 (800) 339-6573

Website: kennebunksavings.com

Steele Street Capital
Financial institution

Address: 1 ME-236 Suite 2, Kittery, ME 03904

Phone Number: +1 (207) 475-0060

Website: steelestreetcapital.com

Alternatives to Short-term Loans in Kittery

Short-term loans come in various forms tailored to different financial needs. Personal loans offer quick cash without requiring collateral, making them suitable for sudden financial needs or emergencies. They usually involve a straightforward application process with repayment terms typically spanning a few months. Installment loans are another common type, allowing borrowers to pay back the borrowed amount in fixed monthly payments over a set period, thereby providing a structured repayment plan that can be easier to manage. Title loans are secured loans where borrowers use their vehicle title as collateral, offering quick access to cash but posing a risk of losing the vehicle if the loan is not repaid. These loans often come with high interest rates and are generally used as a last resort for immediate funding needs.

Best Personal Loan

Northeast Credit Union
5.00
10 reviews

Short-term personal loans are a popular option for individuals seeking quick access to cash for unexpected expenses or emergencies. These loans are typically unsecured, meaning they do not require collateral, and they have shorter repayment terms compared to traditional loans. One of the best choices in this category is LightStream, known for its low-interest rates and flexible loan amounts that cater to different financial needs. LightStream also offers same-day funding in many cases, making it convenient for borrowers who need immediate access to funds.

Best Installment Loan

Bank of America ATM
2.00
2 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.

Loan Regulations in Maine

In Maine, short-term loan regulations are designed to protect consumers while providing access to short-term credit. The state permits payday lending, but with specific restrictions to control the costs associated with these loans. Interest rates for short-term loans in Maine are capped, with a maximum annual percentage rate (APR) that varies depending on the loan amount. For loans up to $2000, the rate cap is 30% APR.

To be eligible for a short-term loan in Maine, borrowers typically need to meet standard requirements such as having a steady source of income, being at least 18 years old, and having an active bank account. The terms of these loans, including the repayment period, are regulated to ensure they are reasonable and protect borrowers from potential debt traps.

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

Once a short-term loan has been secured, it can be utilized to cover essential expenses from various local service providers, ensuring the swift resolution of urgent needs. For instance, these funds can address medical bills, offer financial relief for necessary legal services, or facilitate car repairs. Additionally, the loan can be allocated towards urgent funeral costs or essential appliance repairs, providing much-needed support in times of immediate financial pressure.

Car Repair and Service
107 Government Street, Kittery, ME 03904
+1 (207) 439-6036
Club & Association
76 US Route 1 Bypass, Kittery, ME 03904
+1 (207) 703-0899
College/University
12 Williams Avenue, Kittery, ME 03904
+1 (207) 439-5896
Community Center
801 Lyndon Way, Kittery, ME 03904
+1 (207) 994-8428
Concert Hall
7 Walker Street, Kittery, ME 03904
+1 (207) 703-2083
Dentist
74 State Road, Kittery, ME 03904
+1 (207) 439-5413
Electrical Appliances Shop
55 Government Street, Kittery, ME 03904
+1 (207) 438-9612
Fitness Club & Center
75 US Route 1 Bypass, Kittery, ME 03904
+1 (207) 438-0888
Government Office
52 Old Post Road, Kittery, ME 03904
+1 (207) 439-1166
Hospital
35 Walker Street, Kittery, ME 03904
+1 (207) 752-8652
Hotel
70 US Route 1 Bypass, Kittery, ME 03904
+1 (207) 439-9324
Library
8 Wentworth Street, Kittery, ME 03904
+1 (207) 439-1553
Local Post Office
10 Shapleigh Road, Kittery, ME 03904
+1 (207) 439-2018
Pharmacy
8 Dexter Lane, Kittery, ME 03904
+1 (207) 417-4077
Restaurant
57 State Road, Kittery, ME 03904

FAQ

What is a short-term loan?

A short-term loan is a type of loan designed to be repaid over a short period, typically within a few months. These loans are often used to cover immediate financial needs and are available in smaller amounts compared to traditional loans.

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

Yes, many lenders offer short-term loans to individuals with bad credit. While a poor credit score may limit your options, some lenders specialize in providing loans to those with less-than-perfect credit histories.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive the loan amount on the same day they apply. These loans are particularly useful in emergency situations where quick access to funds is necessary.

How do short-term loans work?

Short-term loans are short-term, small-dollar loans that are typically due on your next payday. They are intended to cover urgent expenses and are often a popular choice for borrowers needing quick access to cash. However, they usually come with high fees or interest rates.

What is the typical amount I can borrow with a short-term loan?

With short-term loans, you can typically borrow amounts ranging from a few hundred to a few thousand dollars. The exact amount depends on the lender and your financial situation.

Are there any alternatives to short-term loans for bad credit?

Yes, alternatives include credit unions, personal installment loans, and peer-to-peer lending platforms. These may offer more favorable terms and lower interest rates compared to traditional short-term loans.

What should I consider before applying for a short-term loan?

Before applying, consider the interest rates, repayment terms, and any additional fees. Ensure the loan is affordable and that you have a plan to repay it on time to avoid additional debt or financial strain.

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Kittery ZIP Codes

03904
03905