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Best Online Short-term Loans in Metropolis

Need quick cash to tackle unexpected expenses? You're not alone! We understand the stress of sudden financial crunches, and that's why we're here with our Best Cash Advance Short-term Loans. Designed to bridge the gap between paychecks, our loans offer a swift solution to your urgent needs. No more sleepless nights worrying about overdue bills or surprise costs. Let us help you regain financial peace of mind with an easy, hassle-free loan application process tailored just for you. Choose us for fast and reliable short-term loans and move forward with confidence!

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Best Online Short-term Loans in Metropolis

Easy Money
Loan agency
5.00
3 reviews

Address: 19 County Rd 1180 E, Metropolis, IL 62960

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

Phone Number: +1 (618) 524-7733

Website: easymoneystores.com

Services:

Installment loans Payday loans Title loans Ach Payment Check Cashing Checking Account Money Services Short-Term Loans
ABC Consumer Loans
Loan agency
5.00
1 reviews

Address: 1201 E 5th St B, Metropolis, IL 62960

Today's Business Hours: 10:00 AM - 5:30 PM

Phone Number: +1 (618) 524-6800

World Finance
Loan agency
4.90
9 reviews

Address: 1201 E 5th St Ste C, Metropolis, IL 62960

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

Phone Number: +1 (618) 524-5796

Website: loansbyworld.com/locations/illinois/metropolis/62960/1031

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
Easy Money Shoppe
Loan agency

Address: 19 County Rd 1180 E, Metropolis, IL 62960

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

Phone Number: +1 (618) 524-1102

Website: easymoneystores.com

Services:

Installment loans Payday loans Title loans Ach Payment Check Cashing Checking Account Money Services Short-Term Loans

Alternatives to Short-term Loans in Metropolis

Short-term loans are financial solutions designed to provide borrowers with quick access to funds, repayable over a brief period. Personal loans are unsecured loans that can be used for a variety of purposes, often characterized by flexible terms and competitive interest rates. Installment loans, on the other hand, require borrowers to repay the borrowed amount plus interest in fixed monthly payments over the loan term, making them predictable and manageable. Title loans are secured loans where the borrower uses a vehicle title as collateral, generally featuring higher interest rates and shorter repayment terms, but offering quick cash for those who own their car outright. These types of loans cater to individuals seeking temporary financial assistance, each with unique features that suit different financial needs and repayment capabilities.

Best Personal Loan

City National Bank
5.00
4 reviews

Short-term personal loans are typically unsecured loans granted based on the borrower's creditworthiness. This makes them an attractive option for borrowers who may not own collateral. The best personal short-term loans often have lower interest rates compared to payday loans and offer more flexibility in repayment terms. These loans are generally used for emergencies or unexpected expenses and can be obtained quickly from online lenders or financial institutions.

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

For individuals who have already obtained a short-term loan, there are several local service providers where the funds can be effectively utilized. Medical services offer necessary treatments and consultations, while car repair shops can address urgent vehicle maintenance needs. Additionally, legal services can provide essential assistance, funeral services ensure a dignified process during difficult times, and appliance services handle unexpected home equipment malfunctions.

Car Wash
900 East 5th Street, Metropolis, IL 62960
+1 (618) 524-4101
Club & Association
1602 Metropolis Street, Metropolis, IL 62960
+1 (618) 524-7581
College/University
1438 West 10th Street, Metropolis, IL 62960
+1 (618) 524-2270
Community Center
4476 Korte Road, Metropolis, IL 62960
+1 (618) 524-4608
Dentist
805 Market Street, Metropolis, IL 62960
+1 (618) 940-0542
Fitness Club & Center
616 Market Street, Metropolis, IL 62960
+1 (618) 309-6086
Government Office
312 East 4th Street, Metropolis, IL 62960
+1 (618) 524-2609
Hospital
28 Chick Street, Metropolis, IL 62960
+1 (618) 524-2176
Hotel
2119 East 5th Street, Metropolis, IL 62960
+1 (618) 524-3723
Library
317 Metropolis Street, Metropolis, IL 62960
+1 (618) 524-4312
Local Post Office
101 West 5th Street, Metropolis, IL 62960
+1 (800) 275-8777
Movie Theater
300 West 10th Street, Metropolis, IL 62960
+1 (618) 524-5615
Museum
1308 East 5th Street, Metropolis, IL 62960
+1 (618) 524-9321
Pharmacy
1001 East 5th Street, Metropolis, IL 62960
+1 (618) 524-8316
Rent-a-Car Facility
817 West 10th Street, Metropolis, IL 62960
+1 (618) 564-2018

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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Metropolis ZIP Codes

62960