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Best Online Short-term Loans in Opelika

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 Opelika

Alabama Ag Credit
Loan agency
5.00
2 reviews

Address: 1431 Gateway Dr, Opelika, AL 36801

Today's Business Hours: 8:00 AM - 4:30 PM

Phone Number: +1 (334) 749-3303

Website: alabamaagcredit.com/locations/location/opelika

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Ag Credit Agribusiness Loans Agricultural Credit Agricultural Financial Agricultural Loans Agricultural Operations Buy Land Cash Management Services Construction Loan Credit Card Payments Equipment Loans Farm Credit Farm Loan Financial Advice Financial Management Financial Plan Financial Reports Home Construction Home Construction Loans Home Financing Home Loans Home Mortgages LLoan Calculator LLoans LPurchases Leasing Services Life Insurance Livestock Loans Loan Program Loans Financing Mortgage Lending New Houses Online Banking Personal Loans Poultry Loans Private Mortgage Purchases Loans Real Estate Loans Real Estate Purchases Recreational LLoans Row Crop Loans Rural Home Loans Rural Lending Rural Mortgage Financing Rural Property Loans Short-Term Lending Special Program Telephone Banking Term Financing Term Mortgages Timber Loans Wire Transfers Working Capital Young Beginning & Small Farmer Loans
Service Loan Company
Loan agency
5.00
4 reviews

Address: 2464 Pepperell Pkwy, Opelika, AL 36801

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

Phone Number: +1 (334) 749-4003

Website: serviceloansouth.com

Services:

Business loans Cash for gift cards Installment loans Line of credit Microloans Signature loans Financial Education Personal Loans Traditional Loans Financial Literacy Holiday Shopping Loans Home Improvement Loans Short Term Lending Small Loans Vacation Loans Vehicle Repair Loans
Always Business Money
Loan agency
5.00
6 reviews

Address: 2000 Marvyn Pkwy #1, Opelika, AL 36804

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

Phone Number: +1 (334) 472-8021

Website: alwaysmoney.com/locations/alabama/opelika

Services:

Installment loans Payday loans Signature loans Title loans Auto Loan Confidential Loan Consumer Loans Online Loan Online Loan Application
First South Farm Credit
Financial institution

Address: 1613 Frederick Rd, Opelika, AL 36801

Phone Number: +1 (334) 826-5263

Website: firstsouthland.com

Always Money
Loan agency
5.00
1 reviews

Address: 1909 Pepperell Pkwy, Opelika, AL 36801

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

Phone Number: +1 (334) 737-4441

Website: alwaysmoney.com/locations/alabama/opelika

Services:

Installment loans Signature loans Title loans Cash Advances Gold Buying Small Loans Consumer Loans Auto Installment Loans Online Loans Online Loan Application Confidential Loan Special Events Auto Loan Online Loan
World Finance
Loan agency
4.90
10 reviews

Address: 1441 Gateway Dr Ste 2, Opelika, AL 36801

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

Phone Number: +1 (334) 749-6131

Website: loansbyworld.com/locations/alabama/opelika/36801/1540

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
Advance America
Financial institution
4.90
10 reviews

Address: 1429 Fox Run Pkwy, Opelika, AL 36801

Phone Number: +1 (334) 705-6600

Advance America
Financial institution
4.80
10 reviews

Address: 3000 Pepperell Pkwy Ste. 10, Opelika, AL 36801

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

Phone Number: +1 (334) 737-3320

Website: advanceamerica.net/store-locations/alabama/3000-pepperell-parkway-ste-10-opelika-36801

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Farm Insurance 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 Loans Grant Manage Loan 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 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 Vehicle Insurance
Capstone Finance
Loan agency
4.40
10 reviews

Address: 1515 2nd Ave Suite C-3, Opelika, AL 36801

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

Phone Number: +1 (334) 741-0060

Website: capstoneopelika.com

Services:

Flex loans Installment loans Flexible Payment Options New Loan Payment Plans
1st Franklin Financial
Loan agency
4.20
10 reviews

Address: 3000 Pepperell Pkwy Suite 6, Opelika, AL 36801

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

Phone Number: +1 (334) 705-6414

Website: locations.1ffc.com/al/opelika/3000-pepperell-parkway.html

Services:

Installment loans Signature loans Financial Loan Fixed Rates Loans Military Lending Personal Loans Premier Loan Residential Mortgage Retail Sales Financing Sales Financing Small Loan
Credit Central
Loan agency
4.10
4 reviews

Address: 2472 Pepperell Pkwy, Opelika, AL 36801

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

Phone Number: +1 (334) 749-2011

Website: creditcentralllc.com

Services:

Business loans Income tax return preparation Installment loans Payday loans Account Servicing Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Traditional Bank Loans Vehicle Repairs
Opelika Finance
Loan agency
3.80
10 reviews

Address: 1721 Pepperell Pkwy, Opelika, AL 36801

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

Phone Number: +1 (334) 745-2600

Website: opelikafinance.com

Services:

Installment loans Line of credit Payday loans Signature loans Title loans Pawn Loans Payment Plan Personal Loans Rebuild Credit Repayment Plans Same-Day Loans
Money Store
Check cash

Address: 2000 Marvyn Pkwy #1, Opelika, AL 36804

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

Phone Number: +1 (334) 745-5003

Alternatives to Short-term Loans in Opelika

Short-term loans come in various forms, each designed to meet immediate financial needs. Personal loans are unsecured, meaning they don't require collateral and can be used for a variety of expenses, typically offering a fixed repayment schedule over a short period. Installment loans, on the other hand, involve borrowing a set amount of money that is repaid with interest in regular, predefined payments, which may provide the borrower with more time to manage their budget. Title loans are secured loans that use the borrower's vehicle as collateral, allowing access to funds based on the car's value while still permitting the borrower to use the vehicle during the loan term. Each loan type offers unique advantages and risks, making it essential for borrowers to thoroughly evaluate their financial situation and repayment ability before proceeding.

Best Personal Loan

Local Finance & Tax Service
5.00
2 reviews

Short-term loans are a versatile solution for individuals needing quick access to cash. Interest rates and fees can vary, so finding the best option tailored to specific needs is crucial. For personal loans, some lenders offer low-interest, no-collateral options where borrowers can apply for amounts based on their creditworthiness. With an efficient application and approval process, these loans can be ideal for unexpected expenses or financial emergencies requiring immediate attention.

Best Installment Loan

Himmelwright & Huguley LLC: Huguley Harrell D CPA
5.00
0 reviews

Installment loans are another type of short-term loan ideal for individuals who need a larger amount of money and prefer to spread the repayment over several months or years. These loans offer borrowers the flexibility of a longer repayment period compared to payday loans, which must typically be repaid in full by the next payday. Installment loans come with fixed regular payments and are available from traditional and online lenders, with varying interest rates based on credit scores and loan terms. They are often used for debt consolidation, auto repairs, or significant expenses.

Best Car Title Loan

TitleMax Title Loans
5.00
24 reviews

Title loans offer a solution for those who own a vehicle and need short-term cash by using their car as collateral. These loans are typically easier to qualify for since the vehicle secures them, but they often come with higher interest rates due to the associated risk. One of the best options for title loans is TitleMax, known for its straightforward application process and quick turnaround on funds. Despite the higher costs, TitleMax provides a viable option for individuals needing immediate funding, with the reassurance of holding onto their vehicle while they repay the loan.

Loan Regulations in Alabama

Alabama's statewide regulations on short-term loans aim to protect borrowers while allowing them access to quick funds in a regulated environment. In the Heart of Dixie, short-term loan lenders are governed by the Alabama Deferred Presentment Services Act, which stipulates that the maximum loan amount a consumer can borrow is $500. The minimum loan term is set at 10 days, with the maximum term not exceeding 31 days, ensuring that loans are repaid promptly.

Interest rates in Alabama for short-term loans are capped by law, with a maximum APR (Annual Percentage Rate) that lenders are allowed to charge. Additionally, borrowers must be provided with clear and comprehensive terms before entering into a loan agreement, ensuring transparency and informed decision-making.

Eligibility for a short-term loan in Alabama typically requires the borrower to have a valid government-issued ID, proof of income, and an active bank account. Lenders also must follow strict guidelines regarding rollovers and are limited in the number of times a loan can be renewed.

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.

Bodyshop
1200 Steel Street, Opelika, AL 36804
+1 (334) 745-3524
Car Wash
1531 2nd Avenue, Opelika, AL 36801
+1 (334) 203-1602
Club & Association
2104 Glenwood Drive, Opelika, AL 36801
Community Center
2016 Waverly Parkway, Opelika, AL 36801
+1 (334) 749-4400
Concert Hall
1700 Lafayette Parkway, Opelika, AL 36801
Dentist
3305 Pepperell Parkway, Opelika, AL 36801
+1 (334) 749-9522
Doctor
2123 Executive Park Drive, Opelika, AL 36801
+1 (706) 221-3222
Fast Food
101 North 6th Street, Opelika, AL 36801
Fitness Club & Center
1001 SportsPlex Pkwy, Opelika, AL 36801
+1 (334) 705-5560
Government Office
1103 Glenn Street, Opelika, AL 36801
+1 (334) 705-5138
Hospital
1801 Corporate Drive, Opelika, AL 36801
+1 (334) 745-5765
Hotel
1801 Capps Landing, Opelika, AL 36804
+1 (334) 749-5250
Library
200 South 6th Street, Opelika, AL 36801
+1 (334) 705-5380
Movie Theater
1900 Capps Landing, Opelika, AL 36804
+1 (334) 364-9953
Museum
South 7th Street, Opelika, AL 36801
+1 (334) 745-0466

FAQ

What is a short-term loan?

A short-term loan is a type of financing where the borrower is expected to repay the loan amount, along with any interest or fees, within a short period, typically within a few weeks to a few months. These loans are often used to cover unexpected expenses or financial gaps until the borrower's next paycheck.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans are often referred to as bad-credit loans. However, interest rates and fees might be higher compared to those offered to borrowers with good credit.

Are there same-day loans available?

Yes, same-day loans are available and can be a convenient option in urgent situations. Lenders may offer quick approval and fund disbursement, allowing borrowers to access cash on the same day they apply. It's important to thoroughly review the terms and conditions as these loans typically have higher fees and interest rates.

How do short-term loans work?

Short-term loans are a type of short-term loan where the borrower is required to repay the loan amount on their next payday. Typically, the borrower writes a post-dated check for the loan amount plus fees, or authorizes the lender to electronically withdraw funds from their bank account. These loans are high-interest and can lead to a cycle of debt if not managed carefully.

What are the usual requirements for obtaining a short-term loan?

Although requirements can vary by lender, common requirements for short-term loans include being at least 18 years old, having a regular source of income, and holding an active checking account. Some lenders may also require proof of identification and residency.

What are the risks associated with short-term loans?

Short-term loans often come with high fees and interest rates, which can lead to a cycle of borrowing if not repaid on time. Failure to repay can also result in additional fees, potential damage to your credit score, and legal action from the lender.

How can I apply for a short-term loan?

To apply for a short-term loan, you can typically complete an online application on a lender's website, or visit a physical location if available. After providing the necessary information and documentation, the lender will review your application and inform you of their decision, often within a few hours. If approved, funds are usually transferred via direct deposit into your bank account.

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Opelika ZIP Codes

36801
36802
36803
36804
36830
36852