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Best Online Short-term Loans in Livonia

Need quick cash? Our Best Cash Advance Short-term Loans are here to help! Unexpected expenses can turn even the most organized budget upside-down, causing stress and confusion. Don't let bills pile up and worry you any longer. Our fast, easy-to-access short-term loans provide the perfect solution, giving you the financial flexibility you need right when you need it. With our reliable service, you can access funds swiftly and regain control. Let us be your trusted partner in overcoming short-term financial hurdles. Explore our services now and discover how simple it is to bridge the gap till your next paycheck!

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Best Online Short-term Loans in Livonia

Advance America
Financial institution
4.90
10 reviews

Address: 31188 Five Mile Rd, Livonia, MI 48154

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

Phone Number: +1 (734) 425-0246

Website: advanceamerica.net/store-locations/michigan/31188-five-mile-rd-livonia-48154

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Bill Payments Christmas Loans Combined Loan Consumer Financial Services Consumers Loans Credit Counseling Debit Card Loans Debt Management Dollar Loans Easy Cash Loans Emergency Loans Existing Loan Expanded Loan Fast Cash Loans Financial Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Money Loans Money Services Money Transfers Netspend® Visa® Prepaid Card Netspend® Visa® Prepaid Cards New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinancing Options Registration Loans Repayment Plan Secured Loan Security Security Online Account Authentication Fraud Prevention Short Term Loan Short Term Loans Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Terms Finance Unsecured Loans Vehicle Insurance
Advance America
Financial institution
4.90
10 reviews

Address: 29209 Plymouth Rd, Livonia, MI 48150

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

Phone Number: +1 (734) 762-0397

Website: advanceamerica.net/store-locations/michigan/29209-plymouth-rd-livonia-48150

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments Christmas Loans Combined Loan 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 Cash Advance Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check 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 Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Term Lending Terms Finance Unsecured Loans Vehicle Insurance
Nicholas Financial, Inc.
Financial institution
4.70
10 reviews

Address: 37156 Six Mile Rd, Livonia, MI 48152

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

Phone Number: +1 (734) 728-3390

Website: nicholasfinancial.com

Services:

Auto Financing Auto Loans Automobile Financing Cash Loan Consumer Financing Consumer Lending Consumer Loans Debt Consolidation Loan Installment Loans New Vehicle Financing Vehicle Service Contracts Vehicle Title Loans
Aegis Lending Corporation
Loan agency

Address: 38701 W Seven Mile Rd, Livonia, MI 48152

Phone Number: +1 (734) 591-0300

The Forgotten Ones
Loan agency

Address: 39111 Six Mile Rd, Livonia, MI 48152

Phone Number: +1 (844) 826-0054

Ladner Jeffrey
Loan agency

Address: 20555 Victor Pkwy, Livonia, MI 48152

Phone Number: +1 (313) 373-3000

Green Works Capital Funding
Loan agency

Address: 31586 Schoolcraft, Livonia, MI 48150

Phone Number: +1 (734) 338-8400

Alternatives to Short-term Loans in Livonia

Short-term loans are financial products designed to offer quick cash solutions for immediate needs. Personal loans are unsecured and can be used for a variety of purposes, often with a higher interest rate due to the lack of collateral. Installment loans allow borrowers to repay the loan in scheduled payments over a set period, usually with fixed interest rates, providing predictability in budgeting. Title loans are secured by the borrower’s vehicle, offering fast access to funds but risking asset loss if not repaid timely. Each type caters to different needs and risk levels, so it's crucial for borrowers to understand their terms before committing.

Best Personal Loan

The Vista Team at Total Home Lending
5.00
14 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

Flagstar Bank
4.30
8 reviews

For short-term installment loans, a popular choice is the traditional bank or credit union installment loan. These loans often come with lower interest rates compared to payday loans or cash advances, making them a more affordable option in the long run. Borrowers also appreciate the structured repayment schedule, which provides a clear path to completing the loan. However, accessing these loans typically requires a good credit score and a more stringent application process than other short-term options.

Best Car Title Loan

Montana Capital Car Title Loans
5.00
10 reviews

Title loans are short-term loans where the borrower uses their vehicle's title as collateral to secure the loan. This type of loan offers quick access to cash, often appealing to those with bad credit. The best title loans have lower interest rates and transparent terms, ensuring the borrower fully understands their repayment obligations. Title lenders often offer flexible payment plans and quick approval processes, but borrowers should be cautious, as defaulting on the loan could result in the loss of their vehicle.

Loan Regulations in Michigan

In Michigan, short-term loan regulations are designed to protect borrowers while providing access to quick funds. The state permits a maximum short-term loan amount of $600 per lender; however, individuals can have up to two outstanding loans with a combined total of $600. The loan term ranges from a minimum of 14 days up to a maximum of 31 days. Regarding fees, lenders can charge up to 15% on the first $100, 14% on the second $100, 13% on the third $100, 12% on the fourth $100, and 11% on the fifth and sixth $100. This structure means the maximum finance charge for a $100, 14-day loan is $15, equating to an Annual Percentage Rate (APR) of approximately 391%.

Eligibility criteria for short-term loans in Michigan are straightforward. Applicants must be at least 18 years old, have a steady income source, and possess a valid checking account. Some lenders may require additional documentation.

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

Individuals who have taken out a short-term loan can efficiently allocate these funds towards essential local services. Medical providers can receive payment for urgent healthcare needs, car repair shops can be paid for immediate vehicle maintenance, and legal services can address pressing legal concerns. Additionally, funeral services can help manage unexpected end-of-life expenses, while appliance service providers can assist with necessary household repairs, ensuring the loan directly supports critical areas of one's life.

Car Glass Replacement Shop
11727 Merriman Road, Livonia, MI 48150
+1 (734) 530-4263
Car Wash
15518 Middlebelt Rd, Livonia, MI 48154
Club & Association
31611 Plymouth Road, Livonia, MI 48150
+1 (734) 466-8556
College/University
32614 7 Mile Road, Livonia, MI 48152
+1 (734) 458-1854
Community Center
Wentworth Street, Livonia, MI 48154
+1 (734) 261-9000
Dentist
36051 5 Mile Road, Livonia, MI 48154
+1 (734) 462-6400
Fitness Club & Center
33191 Plymouth Road, Livonia, MI 48150
+1 (248) 949-8889
General Practitioner
32950 5 Mile Road, Livonia, MI 48154
+1 (734) 422-2020
Government Office
32777 5 Mile Road, Livonia, MI 48154
+1 (734) 466-2559
Hospital
37605 Pembroke Avenue, Livonia, MI 48152
+1 (734) 591-7931
Hotel/Motel
11808 Middlebelt Rd, Livonia, MI 48150
+1 (734) 458-1808
Library
32777 5 Mile Road, Livonia, MI 48154
+1 (734) 466-2450
Movie Theater
19500 Haggerty Road, Livonia, MI 48152
+1 (734) 542-3191
Museum
12403 Stark Road, Livonia, MI 48150
+1 (734) 466-5244
Pharmacy
16989 Farmington Road, Livonia, MI 48154
+1 (734) 437-1956

FAQ

What is a Short-Term Loan?

A short-term loan is a type of lending that typically lasts for a brief period, often ranging from a few weeks to a few months. It is designed to cover urgent financial needs and is usually for smaller amounts compared to traditional loans.

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

Yes, you can often secure a short-term loan even with bad credit. Many lenders offer flexible terms and consider your current financial situation rather than just your credit score. However, interest rates may be higher to offset the lender's risk.

What are Same-Day Short-Term Loans?

Same-day short-term loans are designed to provide quick cash availability. Upon approval, the funds can be transferred into your bank account on the same day, helping to address immediate or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are a type of short-term loan typically due on your next payday. They are designed for emergency expenses and involve borrowing a small amount that you agree to repay with interest within a short time frame, usually two to four weeks.

What are the Costs Associated with Short-Term Loans?

Short-term loans often come with higher interest rates and fees than traditional loans. They may include service fees, origination fees, and penalty charges for late payments. It’s crucial to review the loan terms carefully before accepting the loan.

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

Before taking a short-term loan, consider your ability to repay the loan, the interest rates, fees, and terms of the loan. Ensure that it is the best option available and not a cycle of debt by understanding all conditions and evaluating your financial situation.

Are There Alternatives to Short-Term Loans?

Yes, alternative options include borrowing from friends or family, negotiating a payment plan with your creditors, or using a credit card for urgent needs. Some credit unions and non-profit organizations also offer low-interest emergency loans.

Find Short-term Loans Near Me

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Livonia ZIP Codes

48150
48151
48152
48153
48154