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Best Online Short-term Loans in Lima

Need cash fast? Life can throw unexpected expenses your way, leaving you stressed and strapped for cash. Traditional loans take time, adding stress to the situation. Our Best Cash Advance Short-term Loans offer a quick, hassle-free solution, perfect for when you're in a financial pinch. We understand that you need money now, not later! With our service, you can bridge the gap until your next paycheck without the lengthy loan process. Say goodbye to financial worry and hello to peace of mind today! Discover the fast and flexible financial assistance you need with our short-term loans.

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Best Online Short-term Loans in Lima

Advance America
Financial institution
5.00
10 reviews

Address: 1100 N Cable Rd, Lima, OH 45805

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

Phone Number: +1 (419) 222-3900

Website: advanceamerica.net/store-locations/ohio/1100-n-cable-road-lima-45805

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Easy Cash Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In Store Loan In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans 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 Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinance My Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Tax Service Term Lending Term Loans Terms Finance Typical Loan Unsecured Loans
CheckSmart
Loan agency
4.00
1 reviews

Address: 1980 Elida Rd, Lima, OH 45805

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

Phone Number: +1 (567) 371-3497

Website: ccfi.com/checksmart

Services:

Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Express Loan Financial Solutions Notary Services Online Apply Prepaid Cards Tax Services Western Union

Alternatives to Short-term Loans in Lima

Short-term loans come in various forms, including personal, installment, and title loans, each catering to different financial needs. Personal loans are often unsecured and can be used for a wide range of purposes, offering borrowers flexibility in their financial planning. Installment loans allow individuals to borrow a specific amount and repay it in fixed, regular payments, making them suitable for those who prefer predictable monthly expenses. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral; these loans are typically for smaller amounts and can offer fast cash access, but they also carry the risk of losing one's vehicle if not repaid promptly.

Best Personal Loan

Superior Insurance Services
5.00
8 reviews

Short-term personal loans are a convenient option for individuals who need quick access to funds. These loans are typically unsecured, meaning they do not require collateral, making them popular among borrowers who may not have valuable assets to pledge. Personal loans offer flexible borrowing amounts and terms, which can be useful for covering unexpected expenses or bridging financial gaps. The best personal short-term loans usually present competitive interest rates, low fees, and a straightforward application process, making them accessible to a broader range of borrowers, including those with varying credit backgrounds.

Best Car Title Loan

Montana Capital Car Title Loans
5.00
9 reviews

Title loans, secured by the borrower's vehicle, provide another short-term borrowing option, ideal for those with poor credit who might struggle to secure a personal loan. The most favorable title loans come from providers that balance the need for fast cash access with ethical lending practices, including clear disclosure of fees and terms. Given the inherently higher risks, borrowers should seek lenders who offer lower interest rates and offer flexibility with repayment schedules if possible. It's vital to only borrow against a vehicle owned outright to avoid jeopardizing ownership of the collateral.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

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 several essential services that can be accessed locally to meet immediate financial needs. These funds can be effectively utilized for medical expenses, ensuring timely healthcare services and treatments. Should automobile issues arise, car repair services can be promptly attended to, minimizing disruptions to daily commutes. Additionally, legal services can be sought for urgent legal matters, while funeral expenses can be managed to provide dignity and respect during difficult times. Finally, appliance services can be accessed to repair or replace essential household items, maintaining the smooth functioning of daily routines.

Car Repair and Service
1221 West Wayne Street, Lima, OH 45805
+1 (419) 228-7267
Car Wash
1590 Findlay Road, Lima, OH 45801
+1 (419) 228-6888
Club & Association
825 South Cable Road, Lima, OH 45805
+1 (419) 225-6267
College/University
2175 West Elm Street, Lima, OH 45805
+1 (419) 998-2929
Community Center
306 North Main Street, Lima, OH 45801
+1 (419) 657-6400
Dentist
2115 Allentown Road, Lima, OH 45805
+1 (419) 863-5483
Fitness Club & Center
3477 South Dixie Highway, Lima, OH 45804
+1 (419) 204-6887
Government Office
50 Town Square, Lima, OH 45801
+1 (419) 228-5462
Hospital for Women and Children
730 West Market Street, Lima, OH 45801
+1 (419) 224-1888
Library
650 West Market Street, Lima, OH 45801
+1 (419) 224-2669
Movie Theater
2830 West Elm Street, Lima, OH 45805
+1 (419) 999-9122
Museum
65 Town Square, Lima, OH 45801
+1 (419) 222-1721
Pharmacy
441 East 8th Street, Lima, OH 45804
+1 (419) 221-3072
Post Office
3221 Elida Road, Lima, OH 45805
+1 (419) 227-3600
Real Estate Agent
889 Shawnee Road, Lima, OH 45805
+1 (201) 400-3342

FAQ

What are Short-term Loans?

Short-term loans are financial products designed to provide quick cash to borrowers who need immediate funds. These loans are typically borrowed for short periods, often from a few weeks to a few months. They are commonly used to cover unexpected expenses or gaps in cash flow.

Can I get a Short-term Loan with Bad Credit?

Yes, you can. Many lenders offer short-term loans to individuals with bad credit, focusing more on your current financial situation and ability to repay the loan, rather than your past credit history. However, interest rates might be higher to compensate for the risk.

How do Same-day Loans work?

Same-day loans are a type of short-term loan where the application process is quickened so that funds can be disbursed on the same day as the application. These loans are beneficial for emergencies and urgent financial needs, with the approval process often conducted online.

Are Short-term Loans the same as Short-term Loans?

Short-term loans are a specific type of short-term loan, typically due on your next payday. While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans can be slightly longer-term and may offer more varied repayment options.

How quickly can I receive funds from a Short-term Loan?

Many lenders who offer short-term loans prioritize speed and efficiency. Once approved, you may receive the funds within a few hours or by the next business day. The exact time may vary depending on the lender's policies and the time of day you apply.

What are the typical interest rates for Short-term Loans?

Interest rates for short-term loans can vary significantly based on the lender, the loan amount, and the borrower's financial profile. Typically, rates are higher than those for long-term loans, reflecting the increased risk to lenders. It's crucial to compare lenders to get the best rate possible.

What should I consider before applying for a Short-term Loan?

Before applying for a short-term loan, consider whether you genuinely need immediate funds and if you're able to comfortably repay the loan according to the terms. Evaluate the total cost of the loan, including fees and interest, and explore alternative funding options to ensure you're making the best financial decision.

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Lima ZIP Codes

45801
45802
45804
45805
45807