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Best Online Short-term Loans in Merced

Need cash in a hurry? Life's unexpected challenges don't wait, and neither should you. Finding yourself strapped for cash can be stressful, but our short-term loans offer the quick relief you need. We understand that emergencies happen, and waiting weeks for traditional loans just isn’t an option. With our best cash advance solutions, you can tackle financial hurdles with a simple and swift process. Leave the worry behind and get back to what matters most. Discover how friendly, fast, and hassle-free borrowing can be with our outstanding service. Apply today and conquer those short-term financial bumps effortlessly!

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Best Online Short-term Loans in Merced

ACE Cash Express
Loan agency
4.90
17 reviews

Address: 1340 W Olive Ave Ste 102, Merced, CA 95348

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (209) 385-2271

Website: acecashexpress.com/locations/california/merced/4047

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Advance America
Financial institution
4.70
7 reviews

Address: 1828 W Olive Ave, Merced, CA 95348

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

Phone Number: +1 (209) 384-7621

Website: advanceamerica.net/store-locations/california/1828-west-olive-ave-merced-95348

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments Christmas Loans 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 Applications 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 Refinance My 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
Apoyo Financiero Merced
Loan agency
4.30
10 reviews

Address: 1459 Martin Luther King Jr Way Suite 9, Merced, CA 95340

Today's Business Hours: 9:30 AM - 6:30 PM

Phone Number: +1 (209) 382-6170

Website: apoyo-financiero.com

Services:

Business loans Installment loans Line of credit Payday loans Title loans Alternative Financing Bank Loans Consumer Financing Online Personal Loans Pawn Shop Loans Savings Accounts Term Loans Unsecured Loans
Check Into Cash
Financial institution
4.20
10 reviews

Address: 1206 W Olive Ave, Merced, CA 95348

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (209) 383-9118

Website: local.checkintocash.com/us/ca/merced/1206-w-olive-avenue

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 Registration Loan Retail Loans Small Loan Term Loan
Lendmark Financial Services LLC
Loan agency
4.00
2 reviews

Address: 510 W Main St Suite D, Merced, CA 95340

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

Phone Number: +1 (209) 723-4206

Website: lendmarkfinancial.com/branches/ca/merced/95340-4701

Services:

Business loans Flex loans Installment loans Microloans Signature loans Title loans Ach Payment Auto Financing Auto Loans Auto Repair Loan Automobile Loans Bill Consolidation Consumer Loan Current Loan Estate Planning Existing Loan Fixed-Rate Loan Flexible Payment Options Funding Solution Home Repair Internet Service Loan Funds Loan Payment Loan Personal Loans Loan Solutions Loans Personal Loans Merchant Finance Military Lending Mobile Home New Loan Online Account Management Online Bill Payment Online Services Payment Processing Personal Lending Quick Pay Quick Payment Refinance An Existing Loan Repayment Plan Sales Finance Secure Financing Short Term Loan Technical Support Unsecured Loan Used Vehicle
Country Home Financial
Loan agency

Address: 301 W 18th St Clerical, Merced, CA 95340

Today's Business Hours: 9:00 AM - 4:30 PM

Phone Number: +1 (209) 383-3279

Yosemite Farm Credit - Merced Branch
Loan agency

Address: 760 W 18th St, Merced, CA 95340

Today's Business Hours: 8:00 AM - 5:00 PM

Phone Number: +1 (209) 383-1116

Website: yosemitefarmcredit.com

Services:

Business loans Installment loans Line of credit Signature loans Agricultural Financing Community Support Construction Financing Construction Loans Debt Service Development Loans Farm And Ranch Farm Financing Farming Credit Financial Support Flexibility Program Funds Transfers Industry Loan Insurance Service LPurchases Livestock Loans Loan Programs Operating Loans Ranch Loan Real Estate Financing Real Estate Investments Real Estate Lending Real Estate Loans Short-Term Financing Special Loan Specialty Loans Tax Planning Whistleblower Program
American AgCredit
Bank

Address: 711 W 19th St, Merced, CA 95340

Today's Business Hours: 8:00 AM - 5:00 PM

Phone Number: +1 (209) 384-1050

Website: agloan.com

Alternatives to Short-term Loans in Merced

Short-term loans are versatile financial solutions designed to address immediate funding needs. Personal short-term loans are unsecured and provide quick access to funds without collateral, making them suitable for covering unexpected expenses or emergencies. Installment loans, on the other hand, offer a structured repayment plan over a specific period, which can make higher loan amounts manageable through fixed monthly payments. Title loans require the borrower to use their vehicle as collateral, granting lenders security and typically allowing borrowers to secure loans quickly, although failure to repay can result in the loss of the vehicle. Each type serves distinct financial needs, with varying terms and conditions that borrowers should carefully consider before committing.

Best Personal Loan

Robert J Dylina Home Loans
5.00
19 reviews

Short-term personal loans are typically unsecured and meant to be paid back within a short timeframe, usually a few months to a year. The best personal loans tend to be those offered by reputable financial institutions and online lenders with transparent terms and competitive interest rates. These types of loans can be used for various purposes such as consolidating debt, covering emergency expenses, or making a large purchase. It's crucial to review the lender's reputation and read the fine print to ensure there are no hidden fees or unfavorable terms. In essence, for a personal loan to be the best choice, it should have a reasonable interest rate, clear repayment terms, and should come from a trustworthy lender.

Best Installment Loan

Reliable Bad Credit Loans
5.00
6 reviews

Installment loans represent another category of short-term loans that allow borrowers to repay the loan amount in scheduled payments over a predetermined period. These loans are ideal for individuals who require a larger amount of money than what payday loans typically offer and prefer a structured repayment plan. Installment loans usually have more manageable interest rates compared to payday loans. This option is suitable for covering larger purchases, significant expenses, or refinancing other high-interest debt. The terms and conditions vary widely based on lender policies and borrower creditworthiness.

Best Car Title Loan

Fast Money Car Title Loans
5.00
1 reviews

For those considering title loans as a short-term financing solution, it is essential to understand how they work. A car title loan, considered one of the best options in this category, allows borrowers to use their vehicle's title as collateral in exchange for quick cash. Title loans are beneficial for individuals who own a vehicle outright and need funds swiftly, as they typically do not require a credit check. However, these loans can carry high-interest rates and the risk of losing one's vehicle if there's a default. Therefore, they should only be utilized when you're confident in your ability to repay the loan on the agreed terms.

Loan Regulations in California

Navigating the world of short-term loans, installment loans or car title loans in California requires a solid understanding of regulations. Borrowers can only loan up to $300 with a maximum fee of 15% of the loan amount. These loans have a maximum term of 31 days but no minimum duration. Rollovers aren't permitted, and there's a mandatory cooling-off period between loans. For those considering bridge loans or online short-term loans, staying updated with state-wide regulations is crucial.

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

Once you’ve secured a short-term loan, it can be strategically used for various immediate needs across several local services. For instance, you can allocate funds to cover unexpected medical expenses, essential car repairs, pressing legal fees, funeral costs, or necessary appliance repairs or purchases. By utilizing the loan for these critical services, you can efficiently manage unforeseeable financial obligations that require prompt attention.

Club & Association
410 West Main Street, Merced, CA 95340
+1 (209) 384-2417
College/University
3600 M St, Merced, CA 95348
Community Center
755 West 15th Street, Merced, CA 95340
+1 (209) 385-8803
Concert Hall
452 West Main Street, Merced, CA 95340
+1 (209) 725-8587
Construction Material & Equipment
3144 G Street, Merced, CA 95340
+1 (209) 289-0528
Dentist
2540 M Street, Merced, CA 95340
+1 (209) 354-4325
Doctor
2201 Cooper Avenue, Merced, CA 95348
Fitness Club & Center
900 Loughborough Drive, Merced, CA 95348
+1 (209) 777-4177
Government Office
260 East 15th Street, Merced, CA 95341
+1 (209) 381-1290
Hospital
424 East Yosemite Avenue, Merced, CA 95340
+1 (209) 723-6882
Library
401 Lesher Drive, Merced, CA 95341
+1 (209) 725-3909
Motel
1410 V Street, Merced, CA 95340
+1 (209) 384-2181
Movie Theater
655 West Main Street, Merced, CA 95340
+1 (209) 724-0212
Museum
1733 Canal Street, Merced, CA 95340
+1 (209) 233-9219
Pharmacy
35 East 16th Street, Merced, CA 95340
+1 (209) 388-1080

FAQ

What are short-term loans?

Short-term loans are financial products designed to assist borrowers needing immediate cash to cover emergency expenses or bridge a temporary gap in finances. These loans are typically repaid within a few weeks or months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These lenders often focus more on your current financial situation and income rather than your credit history. However, be aware that these loans may come with higher interest rates due to the increased risk for the lender.

What are same-day loans and how do they work?

Same-day loans are a type of short-term loan where the application process is streamlined to provide funds to borrowers quickly, usually within the same day of approval. Lenders offering same-day loans use online applications and prioritize fast processing to ensure you receive your money promptly.

Are short-term loans different from short-term loans?

Short-term loans are a specific type of short-term loan designed to be repaid on the borrower’s next payday. While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans usually carry higher fees and interest rates, making them a costly option if not repaid swiftly.

How do I apply for a short-term loan?

You can apply for a short-term loan online or in-person at a loan provider's store. The application process generally requires basic personal, financial, and employment information. It's important to compare different lenders to find the best terms and interest rates before applying.

What are the typical requirements to qualify for a short-term loan?

Lenders typically require applicants to be at least 18 years old, have a valid bank account, provide proof of a steady income, and present valid identification. Some lenders may have additional requirements based on their lending criteria and your financial profile.

Are there risks associated with short-term loans?

Yes, short-term loans can be risky due to high interest rates and fees, especially short-term loans. Borrowers may find themselves stuck in a cycle of debt if they continually roll over or extend the loan without paying off the principal. It's essential to carefully assess your ability to repay before borrowing.

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Merced ZIP Codes

95340
95341
95343
95348