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Best Online Short-term Loans in Orange Park

Need quick cash? You're not alone, and we've got your back! When unexpected expenses hit, waiting for payday isn't always an option. That's where our Best Cash Advance Short-term Loans step in, providing a fast financial lifeline that gets you through tight spots. Feeling stressed about those urgent bills? Worry no more! Our streamlined process ensures you receive the help you need without the hassle. Dive into a flexible and hassle-free solution designed for your peace of mind. Let us bridge the gap between need and payday with our trusted short-term loans.

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Best Online Short-term Loans in Orange Park

Nicholas Financial Inc
Loan agency
4.90
10 reviews

Address: 1562 Wells Rd STE 10, Orange Park, FL 32073

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

Phone Number: +1 (904) 215-0000

Website: nicholasfinancial.com

Services:

Business loans Installment loans Payday loans Signature loans Title loans Account Services Auto Finance Auto Insurance Auto Loans Car Loan Cash Loan Close Loans Consumer Financing Debt Consolidation Loan Employee Training Financial Loan Insurance Insurance Investor Services Loan Programs Local Lending New Loan Online Consumer Loan Payment Services Personalized Service Purchase Loans
Lending Bear
Loan agency
4.90
22 reviews

Address: 1345 Park Ave, Orange Park, FL 32073

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

Phone Number: +1 (904) 264-2300

Website: lendingbear.com/location-lending-bear-orange-park

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Advance Lending Cash Advance Lending Cash Now Consumer Loans Credit Reporting Current Loan Dollar Loans Easy Loans Emergency Loan Financial Services Guaranteed Lending Internet Service Loan Repayment Loan Transactions Loan With No Credit Check New Lending Online Lending Participating Lending Pawn Loans Pawnloans Payment Plan Quick Cash Quick Loan Refinance The Loan Refinancing A Loan Short Term Personal Loans Short-Term Financing Short-Term Lending Single Payment Loans Small Loan Term Financing Term Lending Total Finance
Advance America
Financial institution
4.80
10 reviews

Address: 950 Blanding Blvd Suite 2, Orange Park, FL 32065

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

Phone Number: +1 (904) 272-8771

Website: advanceamerica.net/store-locations/florida/950-blanding-blvd-suite-2-orange-park-32065

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 Typical Loan Unsecured Loans
Check `n Go
Loan agency
4.70
10 reviews

Address: 195 Blanding Blvd #5, Orange Park, FL 32073

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

Phone Number: +1 (904) 272-6704

Kash N Check
Check cash
4.30
2 reviews

Address: 611 Blanding Blvd, Orange Park, FL 32073

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

Phone Number: +1 (904) 375-0264

Advance America
Financial institution
3.90
10 reviews

Address: 1545 County Rd 220 #118, Orange Park, FL 32003

Phone Number: +1 (904) 269-1465

Services:

Consumers Loans Credit Counseling Emergency Loans Financial Loan Home Loans Money Transfers Moneygram® Services Netspend® Visa® Prepaid Card New Loan Online Cash Advances Personal Loans Quick Loan Refinance Loan Refinancing Options Secured Loan Short Term Loans Single Repayment Loan Small Loans Unsecured Loans
FAS Inc
Loan agency

Address: 1543 Kingsley Ave STE 11, Orange Park, FL 32073

Phone Number: +1 (904) 269-0137

The Funding Group
Loan agency

Address: 2233 Park Ave, Orange Park, FL 32073

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

Phone Number: +1 (904) 589-3863

Website: fundinghelp.com

Services:

Business loans Installment loans Signature loans Defined Benefit Plan Pension Plan Personal Loan Revenue Based Loan

Alternatives to Short-term Loans in Orange Park

Short-term loans are financial solutions designed to provide quick funding to individuals in need. Personal short-term loans are unsecured loans that can be used for various purposes, often featuring higher interest rates and shorter repayment periods. Installment loans require borrowers to repay the borrowed amount plus interest through scheduled payments over a set period, making them a more manageable option for those who need some time to pay back the loan. Title loans, on the other hand, use the borrower's vehicle title as collateral and typically come with high interest rates and the risk of losing the vehicle if the loan isn't repaid. Each type serves different financial needs and circumstances, catering to those who may face cash flow challenges or unexpected expenses.

Best Personal Loan

The Cole Team - Fairway
5.00
10 reviews

When it comes to short-term personal loans, one of the best options is typically online personal loans. These loans are often sought after for their convenience and speed, as they can be accessed through various financial technology companies. With minimal paperwork and the possibility of receiving funds quickly, these loans can be a lifesaver for those in need of immediate financing. However, it's essential to compare interest rates and terms, as they can vary widely among different lenders, ensuring you get the most favorable deal.

Best Installment Loan

Bank of America (with Drive-thru ATM)
2.80
10 reviews

Installment loans are another popular type of short-term loan that allows borrowers to repay the loan over a series of scheduled payments. A top choice for installment loans is a peer-to-peer loan, which connects borrowers with individual lenders via an online platform. This option often offers competitive interest rates compared to traditional financial institutions and provides more flexible repayment terms, making it an attractive choice for those with a good credit score seeking manageable monthly payments.

Best Car Title Loan

SouthState Bank
4.00
8 reviews

Title loans allow borrowers to use their vehicle's title as collateral to secure a loan, making them easy to qualify for, often without a credit check. However, they come with higher interest rates and the risk of losing the vehicle if the loan is not repaid. Among title loan providers, LoanMart is a well-known option, offering competitive rates and flexible terms to assist borrowers in managing their short-term cash flow needs, while allowing them to retain use of their vehicle during the loan period.

Loan Regulations in Florida

Short-term loan regulations in Florida are set statewide to ensure fair practices and protect borrowers. Under these regulations, the maximum loan amount a borrower can take out is $500, with a term ranging from 7 to 31 days. This ensures that loans are manageable and short-term, catering specifically to immediate, small-scale financial needs. The finance charges for these loans are capped at 10% of the loan amount, plus a verification fee of up to $5. This structure helps in keeping the costs transparent and within reasonable limits.

To be eligible for a short-term loan in Florida, applicants must provide proof of a steady income, be at least 18 years old, and have a valid bank account. Additionally, Florida law mandates a 24-hour cooling-off period after paying off a short-term loan before another can be taken out, promoting responsible borrowing. There is also a limit on the total number of outstanding loans a borrower can have at one time, further safeguarding against financial overextension. These comprehensive state-wide regulations are designed to protect consumers while providing them with accessible short-term financial solutions.

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

Short-term loans can be effectively utilized across various essential services within local communities. Individuals with such loans can secure immediate medical care through local healthcare providers, address urgent car repairs at neighborhood auto body shops, and enlist legal assistance from nearby law offices. Additionally, these funds can cover costs at local funeral homes or facilitate necessary appliance services at regional repair centers.

Bodyshop
1072 Blanding Boulevard, Orange Park, FL 32065
+1 (904) 272-1495
Car Wash
1004 Park Avenue, Orange Park, FL 32073
+1 (904) 278-4054
Club & Association
423 McIntosh Avenue, Orange Park, FL 32073
+1 (904) 264-5866
College/University
805 Wells Road, Orange Park, FL 32073
+1 (904) 264-9907
Community Center
Park Avenue, Orange Park, FL 32073
+1 (904) 264-2635
Concert Hall
2900 Moody Avenue, Orange Park, FL 32073
+1 (904) 276-2599
Dentist
1695 Wells Road, Orange Park, FL 32073
Fast Food
17 Blanding Boulevard, Orange Park, FL 32073
Government Office
2042 Park Avenue, Orange Park, FL 32073
+1 (904) 278-3016
Hospital
2001 Kingsley Avenue, Orange Park, FL 32073
+1 (904) 639-8500
Hotel/Motel
335 Eldridge Avenue, Orange Park, FL 32073
+1 (904) 458-4299
Library
283 College Drive, Orange Park, FL 32065
+1 (904) 276-6830
Movie Theater
1910 Wells Road, Orange Park, FL 32073
+1 (904) 264-5071
Museum
2042 Park Avenue, Orange Park, FL 32073
Pharmacy
1992 Kingsley Avenue, Orange Park, FL 32073
+1 (904) 579-3027

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.

Find Short-term Loans Near Me

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Orange Park ZIP Codes

32003
32065
32067
32073