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Best Online Short-term Loans in Niles

Strapped for cash and need a quick fix? Short-term loans could be your best solution. Financial surprises can catch anyone off guard, leaving you stressed and uncertain. That’s where our Best Cash Advance Short-term Loans step in to save the day. Get the funds you need without the long wait or complex paperwork. We’re here to provide you with quick, easy, and reliable financial relief when you need it most. Experience seamless service and regain control of your finances today!

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Best Online Short-term Loans in Niles

OneMain Financial
Loan agency
3.50
10 reviews

Address: 6261 Youngstown Warren Rd #210, Niles, OH 44446

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

Phone Number: +1 (330) 544-4041

Website: onemainfinancial.com/branches/oh/niles/44446/1485

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
CheckSmart
Loan agency
2.70
10 reviews

Address: 5700 Youngstown Warren Rd, Niles, OH 44446

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

Phone Number: +1 (330) 544-6017

Website: ccfi.com/checksmart

Services:

Business check cashing Business loans Business tax preparation Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Express Loan Notary Services Online Apply Prepaid Cards Tax Services Western Union

Alternatives to Short-term Loans in Niles

Short-term loans come in various forms, including personal, installment, and title loans, each tailored to meet specific financial needs with differing terms and conditions. Personal loans are unsecured loans generally used for urgent expenses and repaid over a short period. Installment loans, another type of short-term loan, allow borrowers to repay the borrowed sum plus interest in regularly scheduled payments, offering a more manageable repayment plan. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral, typically offering quicker access to funds but often at higher interest rates. Each type of short-term loan provides different advantages and risks, making it crucial for borrowers to assess their financial situation and borrowing needs carefully.

Best Personal Loan

Eagle Loan Company
4.90
10 reviews

Short-term loans are financial products that offer a temporary solution for individuals seeking quick access to funds. Best personal loans under this category are designed to cover immediate expenses such as emergencies or unexpected bills. They are usually unsecured, meaning they don't require collateral, and offer a lump sum that is repaid over a short period, typically ranging from a couple of months to a year. These loans often have higher interest rates compared to long-term loans, but they offer a fast approval process and quick access to cash, beneficial for borrowers in urgent need of money.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

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 secured a short-term loan have several options for utilizing these funds across various local service providers. In the medical sector, the loan can cover urgent medical expenses, such as consultations and treatments. For car repair needs, it can be applied to service costs or essential parts replacement. Additionally, the loan can address legal service fees for consultations or court representations, funeral service expenditures, and cover the cost of repairing or replacing household appliances.

Car Wash
5882 Youngstown Warren Road, Niles, OH 44446
+1 (330) 349-9430
College/University
315 Youngstown Warren Road, Niles, OH 44446
+1 (330) 652-8369
Community Center
100 11th Street, Niles, OH 44446
Dentist
827 Robbins Avenue, Niles, OH 44446
+1 (330) 544-6522
Doctor
720 Youngstown Warren Road, Niles, OH 44446
+1 (330) 652-0535
Government Office
34 West State Street, Niles, OH 44446
+1 (330) 652-3415
Hospital
5555 Youngstown Warren Road, Niles, OH 44446
+1 (330) 652-7542
Hotel
1225 Youngstown Warren Road, Niles, OH 44446
Ice Cream Parlor
5655 Youngstown Warren Road, Niles, OH 44446
+1 (330) 544-9220
Library
40 North Main Street, Niles, OH 44446
Local Post Office
43 West Park Avenue, Niles, OH 44446
+1 (330) 652-3731
Mobile Phone Shop
Gypsy Lane, Niles, OH 44446
+1 (330) 505-1766
Motorcycle Repair
North Pleasant Avenue, Niles, OH 44446
+1 (330) 652-2501
Movie Theater
5555 Youngstown Warren Road, Niles, OH 44446
+1 (330) 652-0933
Museum
503 Brown Street, Niles, OH 44446
+1 (330) 544-2143

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.

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Niles ZIP Codes

44440
44446
44484