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Best Online Short-term Loans in Mason City

Struggling with unexpected expenses? Life's surprise bills can throw anyone off balance. That’s where our Best Cash Advance Short-term Loans come in handy. As an ideal solution for those urgent financial needs, our loans offer quick, hassle-free cash access—exactly when you need it. Don’t let temporary money troubles stress you out any longer. With our easy application process and rapid approval, you’ll have funds in no time. Go from overwhelmed to relieved with our reliable short-term loan solutions. Get back on track today!

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Best Online Short-term Loans in Mason City

Check Into Cash
Financial institution
4.90
10 reviews

Address: 1631 4th St SW Suite 106, Mason City, IA 50401

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

Phone Number: +1 (641) 423-1893

Website: local.checkintocash.com/us/ia/mason-city/1631-4th-street-sw-suite-106

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
Hometown Cash Advance
Loan agency
4.30
10 reviews

Address: 606 S Federal Ave Suite 1, Mason City, IA 50401

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

Phone Number: +1 (641) 424-2222

Services:

Payday loans Check Cashing Gold & Silver Buying Payday Loans
OneMain Financial
Loan agency
3.20
2 reviews

Address: 497 Indianhead Dr #107, Mason City, IA 50401

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

Phone Number: +1 (641) 421-8500

Website: onemainfinancial.com/branches/ia/mason-city/50401/3838

Services:

Business loans Flex loans Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Bill Consolidation Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Cards Debt Consolidation Loans Document Preparation Emergency Loansmoving Loans Family Support Financial Loans Financial Protection And Innovation Funeral Loans Home Improvements Housing Counselors Loan Applications Loan Calculator Loan Insurance Loan Originated Loan Processing Loan Specialist Medical Bills Medical Loans Mortgage Loan Servicer Mortgage Loans Mortgage Originated Mortgage Payment Motor Vehicle Motorcycle Loans Online Account Management Payment Plan Personal & Auto Loans Personal Finance Personal Loans Online Real Estate Mortgage Real Estate Mortgage Loan Rebuild Credit Refinance Home Repayment Plan Rv Loans Secured Loan Secured Personal Loans Tax Returns Total Finance Unsecured Loan Unsecured Loans Vacation Loans Wedding Loans
Easy Cash Solutions
Loan agency

Address: 1417 4th St SW, Mason City, IA 50401

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

Phone Number: +1 (641) 423-0920

Alternatives to Short-term Loans in Mason City

Short-term loans are financial products designed to provide quick monetary assistance and are typically repaid within a year or less. Personal loans are unsecured, meaning they don’t require collateral, and are often used for general, unforeseen expenses, with terms varying by lender. Installment loans offer a set amount of money with a fixed repayment schedule, allowing borrowers to pay back the loan over several months in equal payments, making budgeting easier. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral, generally allowing quick access to a small amount of cash but with the risk of losing the vehicle if the loan is not repaid. Each type of short-term loan has distinct features and potential risks that borrowers should evaluate before proceeding.

Best Personal Loan

Advance America
5.00
25 reviews

Short-term personal loans are versatile borrowing options designed to meet immediate financial needs. They typically have smaller loan amounts and shorter repayment terms than long-term loans, making them suitable for emergencies or unexpected expenses. The best personal loans in this category often feature competitive interest rates, minimal fees, and flexible eligibility requirements, catering to diverse credit profiles. Lenders offering these loans can be traditional banks, online lenders, or credit unions, and borrowers should compare different options to find the one that best suits their financial situation.

Best Installment Loan

Select One Pawn
3.60
2 reviews

For installment loans, a top choice is a personal installment loan that can be acquired from a bank or online lender. These loans allow you to borrow a lump sum that is to be paid back over a predetermined period through fixed monthly payments. The predictable nature of the payments makes it easier to manage within a budget, and the loans generally feature lower interest rates compared to other short-term borrowing options. This makes them suitable for individuals looking to finance larger expenses in a manageable way.

Best Car Title Loan

1st Credit Auto Sales
3.50
10 reviews

Title loans are a type of secured short-term loan where the borrower's vehicle title is used as collateral. The best title loans are characterized by their quick approval process and minimal credit requirements, making them accessible for those with poor credit histories. Borrowers can continue to use their vehicle while repaying the loan, though failure to repay can result in the lender repossessing it. Title loans typically come with higher interest rates, and because they are high-risk, they should be used cautiously. It's essential to understand the terms and fee structures before proceeding to ensure it aligns with one's ability to repay.

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

For those who have secured a short-term loan, several local service providers offer essential support in critical areas. These funds can be directed towards medical expenses for unexpected health emergencies, car repair services to ensure reliable transportation, and legal services for any urgent legal matters. Additionally, the loan can assist with funeral costs during difficult times or cover the expense of necessary appliance repairs or replacements, helping maintain everyday conveniences.

Car Wash
500 1st Street Northwest, Mason City, IA 50401
+1 (641) 424-5729
Club & Association
1631 4th Street Southwest, Mason City, IA 50401
+1 (641) 424-2962
College/University
2570 4th Street Southwest, Mason City, IA 50401
+1 (641) 243-4708
Community Center
3300 9th Street Southwest, Mason City, IA 50401
+1 (641) 424-4556
Dentist
422 South Pierce Avenue, Mason City, IA 50401
+1 (641) 423-6222
Doctor
990 4th Street Southwest, Mason City, IA 50401
+1 (641) 494-2018
Fast Food
1615 4th Street Southwest, Mason City, IA 50401
Fitness Club & Center
11 East State Street, Mason City, IA 50401
+1 (641) 423-2648
Government Office
843 Birch Drive, Mason City, IA 50401
+1 (515) 283-3149
Hospital
4th Street Southwest, Mason City, IA 50401
+1 (641) 494-2000
Hotel
3041 4th Street Southwest, Mason City, IA 50401
+1 (641) 424-1200
Library
225 2nd Street Southeast, Mason City, IA 50401
+1 (641) 421-3669
Local Post Office
211 North Delaware Avenue, Mason City, IA 50401
+1 (641) 423-5231
Mobile Phone Shop
4063 4th Street Southwest, Mason City, IA 50401
+1 (641) 424-8448
Movie Theater
4710 4th Street Southwest, Mason City, IA 50401
+1 (641) 421-1617

FAQ

What is a Short-Term Loan?

A short-term loan is a type of loan that is typically repaid within a short period, usually a few weeks or months. These loans are designed to help individuals meet immediate financial needs and are often easier to qualify for than long-term loans, especially for those with bad credit.

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

Yes, it is possible to get a short-term loan even if you have bad credit. Many lenders specialize in providing loans to individuals with less-than-perfect credit scores. However, be prepared for potentially higher interest rates compared to those with good credit.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan where the application, approval, and funding process occur on the same day. They are ideal for emergency situations where you need immediate access to cash. Not all lenders offer same-day loans, so it's important to confirm this with your prospective lender.

How Do Short-term Loans Differ from Other Short-Term Loans?

Short-term loans are a specific kind of short-term loan where the borrower typically writes a post-dated check or agrees to an electronic debit from their bank account to repay the loan on their next payday. They often have higher fees and interest rates compared to other short-term loans, so it's important to be cautious and fully understand the terms before borrowing.

What Are the Typical Requirements for Obtaining a Short-Term Loan?

To qualify for a short-term loan, you generally need to meet the following criteria: be at least 18 years old, have a valid ID, possess a steady source of income, and maintain an active bank account. Specific requirements can vary by lender, so it is advisable to check with the lender's terms and conditions.

How Quickly Can I Get Access to Funds from a Short-Term Loan?

Funds from a short-term loan can be accessed as quickly as the same day or, at most, within a few business days, depending on the lender. It’s important to choose a lender who offers quick processing times if you need funds urgently.

What Are the Risks Associated with Short-Term Loans?

Short-term loans can carry high-interest rates and fees, especially short-term loans. If not managed properly, they can lead to a cycle of debt where borrowers take out new loans to pay off existing ones. Always ensure you have a plan to repay the loan on time to avoid additional charges and financial strain.

Find Short-term Loans Near Me

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Mason City ZIP Codes

50401
50402