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Best Online Short-term Loans in Lexington

Need cash fast? Life's unexpected expenses can shake up your plans. Short-term loans might just be the quick fix you seek. When emergencies disrupt your flow, the stress can feel overwhelming. Our "Best Cash Advance Short-term Loans" service provides a lifeline, offering financial relief when you need it most. Designed with your urgency in mind, we ensure a smooth process and swift turnaround. So, say goodbye to sleepless nights and let us handle the rest. Experience the peace of mind that our short-term loans can bring, and reclaim control over your finances today!

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Best Online Short-term Loans in Lexington

World Finance
Loan agency
5.00
10 reviews

Address: 851 Highway 378 Ste 108, Lexington, SC 29072

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (803) 490-0590

Website: loansbyworld.com/locations/south-carolina/lexington/29072/235

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
1st Franklin Financial
Loan agency
4.60
10 reviews

Address: 205 Columbia Ave, Lexington, SC 29072

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

Phone Number: +1 (803) 356-5610

Website: locations.1ffc.com/sc/lexington/205-n-columbia-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
OneMain Financial
Loan agency
3.90
4 reviews

Address: 926 N Lake Dr #50, Lexington, SC 29072

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (803) 359-4555

Website: onemainfinancial.com/branches/sc/lexington/29072/727

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Cards Debt Consolidation Loans Document Preparation Emergency Loans Moving Loans Family Support Financial Loans Funeral Loans Loan Applications Loan Insurance Loan Originated Loan Processing Loan Specialist Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Online Account Management Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Refinance Home Repayment Plan Rv Loans Secured Loan Total Finance Unsecured Loan Vacation Loans Wedding Loans
Lendmark Financial Services LLC
Loan agency
2.00
5 reviews

Address: 205 Columbia Ave Suite K, Lexington, SC 29072

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

Phone Number: +1 (803) 756-3601

Website: lendmarkfinancial.com/branches/sc/lexington/29072

Services:

Business loans Installment loans Signature loans Title loans Auto Loans Automobile Loans Estate Planning Home Repair Loan Personal Loans Merchant Finance Online Services Personal Lending Refinance An Existing Loan Unsecured Loan
World Acceptance
Loan agency

Address: 102 Harmon St, Lexington, SC 29072

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (803) 358-9339

Alternatives to Short-term Loans in Lexington

Short-term loans are financial solutions designed to provide quick funding to individuals in need. Personal short-term loans are unsecured loans that can be used for various purposes, often featuring higher interest rates and shorter repayment periods. Installment loans require borrowers to repay the borrowed amount plus interest through scheduled payments over a set period, making them a more manageable option for those who need some time to pay back the loan. Title loans, on the other hand, use the borrower's vehicle title as collateral and typically come with high interest rates and the risk of losing the vehicle if the loan isn't repaid. Each type serves different financial needs and circumstances, catering to those who may face cash flow challenges or unexpected expenses.

Best Personal Loan

Advance America
5.00
36 reviews

Short-term personal loans are designed for individuals needing quick access to funds for personal expenses. They usually have a short repayment period, often ranging from a few weeks to a year. These loans are generally unsecured, meaning they don't require collateral, but as a result, they may come with higher interest rates compared to secured loans. Ideal for unexpected expenses or small cash flow needs, they provide flexibility and ease, making them a popular choice for those who can repay the loan quickly.

Best Installment Loan

World Finance
5.00
10 reviews

Installment loans are another type of short-term loan that allows borrowers to receive a lump sum upfront to be repaid in fixed, regular payments over a specified period. These loans are ideal for people who need a structured repayment plan and prefer the consistency of fixed monthly payments. The best installment loans often come with competitive interest rates and flexible terms that cater to a borrower's financial situation, making them a viable option for consolidating debt or covering significant expenses like car repairs or education costs.

Best Car Title Loan

Auto Money
5.00
24 reviews

Title loans are a type of secured short-term loan where the borrower uses their vehicle title as collateral. This option is suitable for individuals who own their car outright and are seeking a quick funding solution. Title loans can provide fast access to cash, often within the same day, but they come with the risk of losing the vehicle if the loan is not repaid. These loans generally have high interest rates and short repayment periods, making them most suitable for borrowers confident in their ability to repay promptly. It's crucial for borrowers to carefully consider their financial situation before opting for a title loan.

Loan Regulations in South Carolina

In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.

The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.

Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.

These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.

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.

Car Repair and Service
520 North Lake Drive, Lexington, SC 29072
+1 (803) 714-3007
Car Wash
410 Laurel Road, Lexington, SC 29073
+1 (803) 808-9676
Club & Association
105 East Butler Street, Lexington, SC 29072
+1 (803) 359-4446
College/University
205 East Main Street, Lexington, SC 29072
+1 (803) 785-8352
Community Center
108 Park Road, Lexington, SC 29072
+1 (803) 996-4822
Dentist
5232 Sunset Boulevard, Lexington, SC 29072
+1 (803) 626-0294
Do-It-Yourself Centers
5600 Sunset Boulevard, Lexington, SC 29072
+1 (803) 359-1194
Fitness Club & Center
330 Ball Park Road, Lexington, SC 29072
+1 (803) 951-8838
Government Office
428 Oak Drive, Lexington, SC 29073
+1 (803) 951-2568
Hospital
4711 Sunset Boulevard, Lexington, SC 29072
+1 (843) 797-3636
Library
110 Park Road, Lexington, SC 29072
+1 (803) 359-2151
Local Post Office
1830 South Lake Drive, Lexington, SC 29073
+1 (803) 957-3755
Movie Theater
925 North Lake Drive, Lexington, SC 29072
+1 (803) 951-3604
Museum
231 Fox Street, Lexington, SC 29072
+1 (803) 359-8369
Pharmacy
104 Scarborough Drive, Lexington, SC 29072
+1 (803) 490-0022

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically designed to be repaid in a short period, usually ranging from a few weeks to a few months. It is often used for urgent financial needs and can be accessed quickly compared to long-term loans.

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

Yes, you can get a short-term loan even if you have bad credit. Many lenders specialize in offering loans to individuals with less-than-perfect credit. However, these loans may come with higher interest rates and fees to offset the risk for the lender.

What Are Same-Day Loans?

Same-day loans are designed to provide borrowers with quick access to funds, often within the same day of application. These are typically short-term loans, such as short-term loans, where the lender expedites the approval and disbursement process to meet urgent financial needs.

What Are Short-term Loans?

Short-term loans are a type of short-term loan that typically must be repaid by your next payday. They are often used for emergency expenses and are known for their fast approval process. However, they can carry high fees and interest rates, so it’s important to use them sparingly and responsibly.

What Are the Interest Rates for Short-Term Loans?

Interest rates on short-term loans can vary widely depending on the lender and the borrower’s credit profile. They are usually higher than traditional loans due to the increased risk for the lender. It’s advisable to compare different lenders and read the terms carefully before agreeing to a loan.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person with a financial institution or a direct lender. You will typically need to provide personal identification, proof of income, and bank details. Once the application is reviewed and approved, funds are usually disbursed quickly.

What Are the Risks of Short-Term Loans?

Short-term loans can be risky due to their high costs, including high interest rates and fees. If you are unable to repay the loan on time, you could face additional fees and a negative impact on your credit score. It’s crucial to borrow only what you need and can afford to repay.

Find Short-term Loans Near Me

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Lexington ZIP Codes

29071
29072
29073