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Best Online Short-term Loans in Marshalltown

Need fast cash to tackle unexpected expenses? Short-term loans from "Best Cash Advance" are your go-to solution! When sudden financial hurdles arise, it can be overwhelming. Let that stress melt away with our quick and reliable short-term loan services. Our user-friendly process ensures you get the cash you need—right when you need it. Trust "Best Cash Advance" to help you bridge financial gaps effortlessly. Apply today and regain control of your finances with ease!

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Best Online Short-term Loans in Marshalltown

Check Into Cash
Financial institution
4.80
10 reviews

Address: 50 La Frentz Ln Suite C, Marshalltown, IA 50158

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

Phone Number: +1 (641) 752-2806

Website: local.checkintocash.com/us/ia/marshalltown/50-lafrentz-lane-suite-c

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
Meridian Payment Systems
Loan agency

Address: 1405 Fairway Dr, Marshalltown, IA 50158

Phone Number: +1 (641) 753-8570

Alternatives to Short-term Loans in Marshalltown

Short-term loans provide quick financial solutions for immediate needs. Personal loans are unsecured loans that offer flexibility in usage, typically with a fixed interest rate and repayment term ranging from a few weeks to several months. Installment loans are similar but require borrowers to repay the loan amount in fixed, regular payments over a predetermined period, offering a structured repayment plan. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral, allowing them to borrow money quickly but often at high interest rates, with the risk of losing the vehicle if the loan isn't repaid.

Best Personal Loan

Hometown Cash Advance
5.00
10 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.

Loan Regulations in Iowa

In Iowa, state-wide regulations for short-term loans are in place to ensure fair and responsible lending practices. These regulations include a cap on the maximum loan amount, which is set at $500, aiming to prevent borrowers from entering a cycle of debt. To be eligible for a short-term loan in Iowa, applicants generally need to demonstrate a stable source of income and have an active bank account, with some lenders also considering credit history.

The loan terms are typically short, and often set to align with the borrower's next paycheck, usually within 31 days. When it comes to rates, Iowa regulates the interest and fees that can be charged on short-term loans. The maximum finance charge is $15 on the first $100 loaned and $10 for each additional $100, thus setting a clear framework for borrowers and lenders. These regulations are designed to provide a balance, offering quick financial solutions while protecting borrowers from excessive fees and unmanageable debt in Iowa.

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

If you've recently obtained a short-term loan, several local service providers can help you address essential needs. You can pay for unexpected medical bills, cover urgent car repair costs, afford necessary legal services, manage funeral expenses, or purchase vital home appliances. These options allow you to utilize your loan effectively to ensure stability in pressing situations.

Car Wash
2401 South Center Street, Marshalltown, IA 50158
+1 (641) 752-1994
Club & Association
16 East Main Street, Marshalltown, IA 50158
+1 (641) 844-2001
College/University
3700 South Center Street, Marshalltown, IA 50158
+1 (641) 752-7106
Community Center
20 East State Street, Marshalltown, IA 50158
+1 (641) 752-1638
Dentist
101 West Southridge Road, Marshalltown, IA 50158
+1 (641) 752-4138
Doctor
312 East Main Street, Marshalltown, IA 50158
+1 (641) 752-7191
Fast Food
3007 South Center Street, Marshalltown, IA 50158
Government Office
901 Woodland Street, Marshalltown, IA 50158
+1 (641) 754-5745
Hospital
3 S 4Th Ave, Marshalltown, IA 50158
+1 (641) 754-5151
Hotel
102 Iowa Avenue West, Marshalltown, IA 50158
+1 (641) 854-2900
Library
105 West Boone Street, Marshalltown, IA 50158
+1 (641) 754-5738
Museum
119 East Main Street, Marshalltown, IA 50158
+1 (641) 751-7900
Other Repair Shops
608 Maytag Road, Marshalltown, IA 50158
+1 (641) 758-9746
Pharmacy
412 East Church Street, Marshalltown, IA 50158
Post Office
125 West Merle Hibbs Boulevard, Marshalltown, IA 50158
+1 (641) 754-0088

FAQ

What is a short-term loan?

A short-term loan is a type of loan that is typically repaid within a year or less. It is designed to meet immediate financial needs and includes types such as short-term loans and same-day loans. These loans are ideal for covering unexpected expenses or bridging financial gaps.

Can I get a short-term loan with bad credit?

Yes, it is possible to obtain a short-term loan with bad credit. Many lenders offer bad-credit options that focus more on current income and capacity to repay rather than credit history. However, interest rates may be higher than those offered to borrowers with good credit.

What are same-day loans?

Same-day loans are a type of short-term loan designed to provide borrowers with fast access to funds. When approved, the loan amount is typically disbursed on the same day, making it an ideal option for urgent financial situations.

How do short-term loans work?

Short-term loans are short-term loans that are due for repayment on your next payday. These loans are generally small amounts and are based on your income. Short-term loans can help cover immediate expenses but tend to have higher interest rates and fees.

What are the requirements for a short-term loan?

Requirements for a short-term loan may vary by lender but typically include proof of income, a checking account, and identification. Even with bad credit, having a stable income and a bank account can significantly improve your chances of approval.

Are there risks associated with short-term loans?

Yes, there are risks, including high-interest rates and fees that can accumulate if not paid on time. Additionally, rolling over loans can lead to a cycle of debt. It is crucial to borrow only what you can repay within the agreed timeframe.

How can I apply for a short-term loan?

Applying for a short-term loan is generally straightforward and can often be done online. You need to fill out an application form, submit necessary documentation, and wait for the lender's approval. Once approved, funds are usually deposited into your bank account quickly.

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Marshalltown ZIP Codes

50158