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Best Online Short-term Loans in Longmont

Feeling the pinch before payday? You're not alone. Short-term financial hiccups can happen to anyone, but they don't have to derail your life. That's where our come in. Designed to tackle unexpected expenses quickly, these loans offer an easy and fast solution when you need it most. Say goodbye to the stress of sudden bills and hello to financial peace of mind. Let us help bridge your financial gap with a hassle-free loan experience tailored just for you.

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Best Online Short-term Loans in Longmont

The Bad Credit Loans
Loan agency

Address: 2002 Main St, Longmont, CO 80501

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

Phone Number: +1 (720) 738-5486

Website: thebadcl.com/locations/longmont

Fast Payday Loans
Loan agency
5.00
8 reviews

Address: 434 Kimbark St, Longmont, CO 80501

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

Phone Number: +1 (720) 740-6190

Website: fastpdloans.com/locations/longmont

Services:

Business loans Flex loans Installment loans Payday loans Signature loans Title loans Auto Loan Bad Credit Car Loan Boat Loan Financing Loans Loan Program Medium Term Loan Motorbike Finance No Credit Check Loans Online Personal Loans Payment Loans Revolving Loans Short Term Loan Used Car Loan
Check Into Cash
Financial institution
4.70
10 reviews

Address: 1515 Main St Unit 3, Longmont, CO 80501

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

Phone Number: +1 (303) 485-0537

Website: local.checkintocash.com/us/co/longmont/1515-main-street-unit-3

Services:

Cash Advance Check Cashing Services Financial Services Home Loans In Store Cash Loans Loan By Phone Loan Funds New Loan Online Lending Online Loan Application Quick Cash Quick Money Registration Loan Retail Loans Small Loan Term Loans
Checkmate
Loan agency
3.70
10 reviews

Address: 1225 Ken Pratt Blvd #104, Longmont, CO 80501

Today's Business Hours: 10:00 AM - 5:00 PM

Phone Number: +1 (303) 532-3231

Website: callcheckmate.com

Services:

Business check cashing Business loans Installment loans Line of credit Money transfers Payday loans Title loans (Az) Check Cashing Locations Community Support Financial Services Home Repairs Loans Online New Credit New Loan Prepaid Debit Cards Registration Loans Small Loan Speedy Cash Term Loan

Alternatives to Short-term Loans in Longmont

Short-term loans come in various forms, including personal, installment, and title loans, each tailored to meet specific financial needs with differing terms and conditions. Personal loans are unsecured loans generally used for urgent expenses and repaid over a short period. Installment loans, another type of short-term loan, allow borrowers to repay the borrowed sum plus interest in regularly scheduled payments, offering a more manageable repayment plan. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral, typically offering quicker access to funds but often at higher interest rates. Each type of short-term loan provides different advantages and risks, making it crucial for borrowers to assess their financial situation and borrowing needs carefully.

Best Personal Loan

Option 1 Mortgage
5.00
15 reviews

Short-term loans are financial products designed to be repaid within a brief time frame, typically ranging from a few weeks to a couple of months. For personal loans, the best option often includes lenders that offer competitive interest rates, flexible repayment terms, and a straightforward application process. These loans are usually unsecured, meaning they don't require collateral, and they cater to individuals with a good credit score who need quick access to funds for emergencies or small expenses.

Best Car Title Loan

Taylor Blake Carlson
0.00
0 reviews

Title loans provide a fast cash solution for those who own a vehicle and require immediate financing. In this type of loan, the borrower uses their vehicle's title as collateral while still retaining possession of the vehicle itself. Title loans are a viable option for those with poor credit scores, as the lender primarily considers the value of the vehicle. However, these loans usually come with high interest rates and fees, and failing to repay could result in losing one's vehicle. They are best suited for short-term emergency expenses when other options are not available.

Loan Regulations in Colorado

Short-term loan regulations are governed by state-wide laws to protect consumers in Colorado. The maximum allowable annual percentage rate (APR) on short-term loans in Colorado is capped at 36%. This significantly reduces the overall cost of borrowing, making it a more affordable option for consumers.

Eligibility requirements for short-term loans typically include being at least 18 years old, having a valid government-issued ID, proof of a steady income source, and an active checking account. Loan terms can vary but often span from a minimum of six months to a maximum of 12 months.

Colorado's short-term loan regulations also restrict borrowers from taking out more than one short-term loan at a time, helping to prevent debt cycles. Lenders are required to provide clear and transparent loan agreements, outlining all terms, fees, and repayment schedules.

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

After taking out a short-term loan, individuals can allocate funds across essential local service providers including medical, car repair, legal, funeral, and appliance services. Such financial support empowers borrowers to address urgent health care needs, vehicle maintenance for dependable transportation, legal counsel for pressing matters, and expenses related to funeral arrangements. Additionally, purchasing or repairing home appliances ensures everyday convenience and functionality.

Adventure Sports Facility
33 South Pratt Parkway, Longmont, CO 80501
+1 (720) 340-3640
American Restaurant
510 3rd Avenue, Longmont, CO 80501
Car Wash
1213 Ken Pratt Boulevard, Longmont, CO 80501
+1 (303) 834-8387
Club & Association
100 10th Avenue, Longmont, CO 80501
+1 (720) 684-6286
College/University
2315 Main Street, Longmont, CO 80501
+1 (303) 651-6819
Community Center
925 Hover Street, Longmont, CO 80501
+1 (303) 678-5050
Dentist
1325 Hover Street, Longmont, CO 80501
+1 (303) 651-7771
Doctor
275 South Main Street, Longmont, CO 80501
+1 (303) 246-9597
Fitness Club & Center
700 9th Avenue, Longmont, CO 80501
Government Office
350 Kimbark Street, Longmont, CO 80501
+1 (303) 651-8619
Greengrocer
9059 Ute Highway, Longmont, CO 80503
+1 (303) 684-0087
Hospital
1950 Mountain View Avenue, Longmont, CO 80501
+1 (303) 651-5111
Hotel
1355 Dry Creek Drive, Longmont, CO 80503
+1 (303) 684-0404
Library
409 4th Avenue, Longmont, CO 80501
+1 (303) 651-8470
Local Post Office
11830 North 75th Street, Longmont, CO 80503
+1 (800) 275-8777

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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Longmont ZIP Codes

80501
80502
80503
80504