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Best Online Short-term Loans in Mattoon

Struggling with unexpected expenses? You’re not alone! When immediate financial needs arise, it’s easy to feel overwhelmed. Short-term loans can bridge the gap, offering quick, flexible support when you need it most. Our "Best Cash Advance Short-term Loans" service aims to alleviate your stress by providing fast and reliable solutions tailored to your unique situation. Don’t let short-term cash flow problems hold you back from achieving your goals. Explore our streamlined loan options today and regain control of your finances with confidence and ease. We're here to help you navigate life's little hiccups without a hitch.

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Best Online Short-term Loans in Mattoon

OneMain Financial
Loan agency
3.50
6 reviews

Address: 1304 Charleston Ave, Mattoon, IL 61938

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

Phone Number: +1 (217) 235-0366

Website: onemainfinancial.com/branches/il/mattoon/61938/363

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loans Moving Loans Family Support Financial Loans Funeral Loans Higher Loan Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Total Finance Unsecured Loan Vacation Loans Wedding Loans
America's Financial Choice
Loan agency
3.40
3 reviews

Address: 221 Lake Land Blvd, Mattoon, IL 61938

Phone Number: +1 (217) 235-6999

Services:

Business loans All Types Of Loan Bank Deduction Loans Car Repairs Checking Account Loans Checkless Loans Different Kinds Of Loans Dollar Loan Emergency Loan Employer Deduction Loans Financial Services Flexible Repayment Options Home Improvement Home Repairs Instant Cash Loans Loans By Phone New Loans No Credit Loans Online Loan Application Payroll Deduction Loans Preferred Customer Loans Quick Loan Short Term Personal Loans Short Term Unsecured Loan Small Loan
Ardmore Finance Corp.
Loan agency

Address: 1117 Broadway Ave, Mattoon, IL 61938

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

Phone Number: +1 (217) 235-0599

Website: moneywhenuneedit.com/mattoon-il-ardmore-finance

Services:

Installment loans Payday loans Signature loans Title loans Amortized Loans Car Insurance Debt Consolidation Loans Home Improvements Internet Loan Lending Services Online Loan Personal Loans Rent Mortgage Small Loans Student Loans
Tower Loan
Loan agency

Address: 1410 Broadway Ave, Mattoon, IL 61938

Today's Business Hours: 8:30 AM - 6:30 PM

Phone Number: +1 (217) 235-1046

Website: towerloan.com/branch/mattoon

Services:

Title loans Apply For Loans Online Auto Loans Auto Repairs Building Credit Car Repairs Cash Advance Cash Personal Loans Consolidate Debt Consumer Finance Consumer Loans Conventional Loans Credit Card Debt Credit Card Loans Credit Reporting Debt Refinance Loan Disability Insurance Financial Education Financial Planning Financing Home Equity Loans Home Home Improvement Loans Home Mortgages Home Renovations Home Repair Loans Installment loans Lender's Loans Lending Loans Lending Online Lending Process Life Insurance Loan Brokers Loan Origination Loan Refinancing Loans For Bad Credit Marketing Services Medical Bills Merchant Services New Car New Furniture Office Tower Loan Online Lenders Online Loan Application Other Personal Loan Pay Off Credit Cards Payment Collection Payment Plans Personal Finances Personal Lending Personal Loans For Many Purposes Personal Loans For Various Purposes Personal Loans Online Premier Loan Property Insurance Quick And Easy Credit Quick Cash Renovation Project Repayment Plans Retirement Planning Revolving Credit Secured Personal Loans Signature loans Simple Online Loan Student Loan Take Out Loans Travel Insurance Travel Loans Unsecured Personal Loans Vacation Loans

Alternatives to Short-term Loans in Mattoon

Short-term loans cater to immediate financial needs with different options such as personal, installment, and title loans. Personal loans offer quick funds without collateral, often with higher interest rates, for those with urgent expenses. Installment loans allow borrowers to repay in fixed monthly payments over a short term, offering predictability and often requiring a credit check. Title loans use the borrower's vehicle as collateral, providing fast access to cash; however, they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

Blaw Knox Credit Union
4.50
4 reviews

Short-term personal loans are often utilized for immediate financial needs and tend to have a faster approval process compared to long-term loans. These loans typically range in amount from a few hundred to a few thousand dollars and are paid back over a short period, often within months. Due to the quick turnaround, interest rates can be higher than other loan types. However, they offer flexibility in use, allowing borrowers to address various urgent expenses.

Best Installment Loan

US Bank Mortgage
0.00
0 reviews

Installment loans are a type of short-term loan where a borrower repays the loan amount over a set period through scheduled payments. These loans can be secured or unsecured and usually have fixed interest rates. The best option for an installment loan would provide a convenient repayment schedule that matches the borrower's financial situation. Look for lenders who offer customizable loan terms, whether for a few months or a couple of years, and ensure the loan charges are clear and upfront to avoid hidden fees.

Best Car Title Loan

Crites Title Co
5.00
1 reviews

Title loans are a unique short-term loan type where the borrower provides their vehicle's title as collateral. These loans are generally quicker to obtain due to their secured nature, as lenders are more willing to offer them even to those with poor credit. The best title loans often offer low-interest rates and give borrowers the flexibility to maintain usage of their vehicle while repaying the loan. Borrowers should, however, remain cautious as defaulting on the loan could lead to repossession of their vehicle.

Loan Regulations in Illinois

Illinois short-term loan regulations are designed to protect consumers while offering them accessible short-term financial solutions. The state laws cap short-term loan amounts at $1,000 or 25% of the borrower's gross monthly income, whichever is less, to prevent borrowers from taking on unmanageable debt. The maximum term for a short-term loan in Illinois is 120 days, providing more flexibility compared to many other states.

Regarding the costs, lenders are restricted to charging a maximum of $15.50 per $100 borrowed, with a $1 verification fee. Eligibility criteria for these loans generally include proof of income, a bank account, and valid identification. These regulations ensure a balanced approach, providing immediate financial assistance to those in need while safeguarding them from excessive debt and predatory lending practices.

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 availed a short-term loan can utilize it for essential services provided by local businesses. This includes medical services for healthcare needs, car repair services for vehicle maintenance, legal services for any legal obligations, funeral services for managing last rites, and appliance services for purchasing or repairing essential household electronics.

American Restaurant
224 Richmond Avenue East, Mattoon, IL 61938
+1 (217) 234-7234
Car Wash
513 North 15th Street, Mattoon, IL 61938
+1 (217) 234-3240
Club & Association
1000 Richmond Avenue, Mattoon, IL 61938
+1 (217) 234-3032
College/University
305 Richmond Avenue East, Mattoon, IL 61938
Community Center
11021 County Road 800 North, Mattoon, IL 61938
+1 (217) 639-5166
Dentist
2721 Western Avenue, Mattoon, IL 61938
+1 (217) 234-7774
Do-It-Yourself Centers
1301 Fort Worth Way, Mattoon, IL 61938
+1 (217) 235-0700
Fitness Club & Center
201 Richmond Avenue East, Mattoon, IL 61938
+1 (217) 234-4636
Government Office
Charleston Avenue, Mattoon, IL 61938
+1 (217) 238-8881
Hospital
200 Lerna Road South, Mattoon, IL 61938
+1 (217) 258-5900
Library
1600 Charleston Avenue, Mattoon, IL 61938
+1 (217) 234-2621
Local Post Office
120 North 15th Street, Mattoon, IL 61938
+1 (217) 234-8836
Motel
4200 County Highway 13, Mattoon, IL 61938
Movie Theater
2509 Hurst Drive, Mattoon, IL 61938
+1 (217) 234-8900
Museum
1718 Broadway Avenue, Mattoon, IL 61938
+1 (217) 235-6744

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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Mattoon ZIP Codes

61938