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Best Online Short-term Loans in Lake Wales

Need quick cash relief? You've come to the right place. When unexpected expenses pop up, stress and worry can quickly follow. Short-term loans can bridge the gap without the headache of lengthy loan processes. At Best Cash Advance Short-term Loans, we understand your urgency and are here to help. Our streamlined service ensures you access funds as seamlessly as possible, so you can get back on track with minimal fuss. Experience fast approvals and a straightforward process with us, your reliable solution for cash advances when you need it most.

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Best Online Short-term Loans in Lake Wales

Amscot - The Money Superstore
Loan agency
3.70
10 reviews

Address: 2004 E State Rd 60, Lake Wales, FL 33898

Today's Business Hours: 8:00 AM - 9:00 PM

Phone Number: +1 (863) 676-3982

Website: amscot.com/location/branch-99/2004-sr-60-e-lake-wales-fl-33898

Services:

Bill paying Installment loans Money orders Money transfers Payday loans Payroll check cashing Personal check cashing Signature loans Tax refund check cashing Bill Payments Cash Advance Cash Advances Check Cashing Dollar Loans Free Money Orders Loans Military Lending Money Transfers Notary Pay Day Loans
Kimbrough & Associates Resource
Loan agency

Address: 24 W Orange Ave, Lake Wales, FL 33853

Phone Number: +1 (863) 679-3896

Website: kimbroughassociates.com

Services:

Flex loans Signature loans Disability Insurance Equity Loans Home Equity Loans Life Insurance Mortgage Protection Property Management

Alternatives to Short-term Loans in Lake Wales

Short-term loans include various options such as personal, installment, and title loans, each catering to different financial needs. Personal loans are unsecured loans that provide a lump sum of money to be repaid typically within a few months to a year, without the need for collateral. Installment loans offer a structured repayment schedule with fixed monthly payments and are suitable for those seeking predictable budgeting. Title loans, on the other hand, are short-term secured loans where the borrower uses their vehicle as collateral, often resulting in higher interest rates and a faster repayment period, making them a quick but risky option for immediate financial needs.

Best Personal Loan

Ridge View Mortgage
5.00
11 reviews

Short-term loans are a versatile solution for individuals needing quick access to cash. Interest rates and fees can vary, so finding the best option tailored to specific needs is crucial. For personal loans, some lenders offer low-interest, no-collateral options where borrowers can apply for amounts based on their creditworthiness. With an efficient application and approval process, these loans can be ideal for unexpected expenses or financial emergencies requiring immediate attention.

Best Installment Loan

Lake Wales Title Company
4.40
7 reviews

Installment loans are another common type of short-term financing. They provide borrowers with a lump sum of money that is repaid over a set period in regular installments, which can help with budgeting and managing repayments. For installment loans, LightStream is often considered the best choice due to its competitive rates, no fees, and a wide range of loan amounts and terms suitable for different borrowers with good to excellent credit.

Best Car Title Loan

SouthState Bank
3.40
5 reviews

Title loans offer a quick way to access cash using a vehicle title as collateral. They are known for their fast approval process, often providing funds within the same day of application. However, these loans come with high interest rates and the risk of losing the vehicle if the loan is not repaid on time. Title loans are best considered as a last resort when other more affordable borrowing options have been exhausted, and the borrower is confident in their ability to repay the loan promptly.

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

For individuals who have secured a short-term loan, there are various local service providers where these funds can be utilized. Medical services, car repair shops, legal consultation practices, funeral services, and appliance repair centers are among the essential sectors where such loans might be directed.

Adventure Sports Facility
451 South Airport Road, Lake Wales, FL 33859
+1 (863) 272-9907
American Restaurant
4541 Macey Lane, Lake Wales, FL 33859
+1 (863) 679-8923
Car Accessories
194 Doctor J. A. Wiltshire Avenue East, Lake Wales, FL 33853
+1 (863) 676-0115
Car Wash
1978 Highway 60 East, Lake Wales, FL 33853
+1 (863) 679-2920
Club & Association
300 Lakeshore Boulevard South, Lake Wales, FL 33853
+1 (863) 676-1943
College/University
152 Central Avenue East, Lake Wales, FL 33853
+1 (863) 298-6830
Community Center
129 East Stuart Avenue, Lake Wales, FL 33853
+1 (863) 949-6663
Concert Hall
411 3rd Street North, Lake Wales, FL 33853
+1 (863) 676-1266
Dentist
24174 Highway 27, Lake Wales, FL 33859
+1 (863) 679-3229
Do-It-Yourself Centers
24201 Highway 27, Lake Wales, FL 33853
+1 (863) 679-8075
Doctor
Carlton Avenue, Lake Wales, FL 33853
Fitness Club & Center
1001 Burns Avenue, Lake Wales, FL 33853
+1 (863) 679-3271
Government Office
151 Hunt Brothers Road, Lake Wales, FL 33859
+1 (863) 949-6755
Hospital
410 S 11Th St, Lake Wales, FL 33853
+1 (863) 676-1433
Hotel/Motel
18601 Highway 27, Lake Wales, FL 33853
+1 (863) 678-1700

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically repaid within a short period, usually ranging from a few weeks to several months. These loans are designed to provide quick financial assistance for immediate needs.

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

Yes, many lenders offer short-term loans to individuals with bad credit. While your credit score may impact the loan's terms and interest rates, alternative lenders often consider factors beyond credit scores to assess your eligibility.

What is a Short-term Loan and How Does it Work?

A short-term loan is a type of short-term loan intended to cover expenses until your next payday. It is usually a small, unsecured loan with a high interest rate, meant to be repaid in a single lump sum on your next payday.

Are Same-Day Loans Available for Short-Term Needs?

Yes, same-day loans are a type of short-term loan designed to be processed quickly, often with funds disbursed on the same day or within 24 hours. These loans provide immediate financial relief for urgent situations.

What Are the Risks of Taking Out a Short-Term Loan?

Short-term loans can carry high interest rates and fees, leading to potential debt pitfalls if not managed properly. Ensure you can meet the repayment terms to avoid a cycle of debt and potential harm to your credit.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person with a lender that offers these services. The application process generally requires personal information, employment details, and banking information to assess your eligibility and facilitate fund transfer upon approval.

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

Before applying for a short-term loan, evaluate your financial needs, explore alternative options, and understand the loan terms carefully. Make sure you have a clear plan for repayment to avoid unnecessary financial strain.

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Lake Wales ZIP Codes

33853
33859
33877
33898