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Best Online Short-term Loans in Paintsville

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 Paintsville

HLT Check Exchange
Check cash
5.00
1 reviews

Address: 441 S Mayo Trail, Paintsville, KY 41240

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

Phone Number: +1 (606) 789-2274

Cash Express
Loan agency
5.00
1 reviews

Address: 229 S Mayo Trail, Paintsville, KY 41240

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

Phone Number: +1 (606) 789-3636

Services:

Business loans Cash for gift cards Government benefits check cashing Line of credit Payday loans Payroll check cashing Personal check cashing Tax refund check cashing Cash Advance Cash For Gold Cash Today Client Services Community Support Credit Card Financial Literacy Financial Solution Home Services Mobile Banking New Loan Pawn Loans Prepaid Card
World Finance
Loan agency
4.70
7 reviews

Address: 433 N Mayo Trl, Paintsville, KY 41240

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (606) 788-9040

Website: loansbyworld.com/locations/kentucky/paintsville/41240/1476

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Average Loan Build Credit Capitol Loans Car Repairs Credit Plan Easy Loans Finance Loans Investor Relations Loan Payment Plan Loan Solutions Local Loans Medical Bills Military Lending Online Payment Overall Financial Pawn Shop Loans Personal Finance Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns World Finance
Advance America
Financial institution
4.20
4 reviews

Address: 221 Broadway Street, Suite 5 Suite 5, Suite 5, Paintsville, KY 41240

Phone Number: +1 (606) 789-2125

Services:

Flex loans Installment loans Line of credit Payday loans Title loans Consumers Loans Credit Counseling Debit Card Loans Emergency Loans Expanded Loan Fast Cash Loans Financial Services Home Loans Money Services Moneygram® Services Netspend® Visa® Prepaid Cards Online Cash Advances Online Lending Online Personal Loan Personal Finances Refinance Loan Registration Loans Security Short Term Loan Single Repayment Loan Small Loans
Specialized Lending Group
Loan agency

Address: 391 S Mayo Trail, Paintsville, KY 41240

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

Phone Number: +1 (606) 789-2834

Alternatives to Short-term Loans in Paintsville

Short-term loans are financial solutions designed to address immediate cash needs, typically with repayment terms under one year. Personal loans offer quick funding without requiring collateral and can be used for a variety of purposes, although they often come with higher interest rates due to their unsecured nature. Installment loans are repaid over a set period with regular payments, providing a structured payoff plan that can help with budgeting, with terms often ranging from a few months to several years. Title loans, secured by the borrower's vehicle title, allow for quick access to funds but carry the risk of losing the vehicle if the loan is not repaid, and these typically have high interest rates and short repayment durations.

Best Personal Loan

OneMain Financial
5.00
1 reviews

Short-term loans are quick financing solutions that typically require repayment within a few months to a year. For the best personal loans, one might consider options like Upstart. Upstart focuses on factors beyond credit score, such as education and employment, providing a more personalized rate. This accessibility, coupled with flexible loan amounts and quick funding, makes it a leading choice for personal short-term financing needs.

Loan Regulations in Kentucky

In Kentucky, the regulations governing short-term loans are designed to protect consumers while providing them with access to quick cash for short-term needs. The state permits a maximum short-term loan amount of $500, with a loan term that can extend up to 60 days, offering flexibility beyond the typical 30-day period found in many other states. Interest rates and fees are regulated, with Kentucky law stipulating a maximum fee of $15 per $100 borrowed, plus a $1 database fee.

This regulation helps in keeping the costs transparent and manageable for borrowers. To be eligible for these loans, applicants generally need to demonstrate proof of income, have a valid bank account, and meet other standard requirements. These regulations in Kentucky are implemented state-wide, ensuring that all short-term loan transactions are conducted under consistent and fair practices, thereby protecting consumers from potentially predatory lending while still providing them with necessary 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

If you've secured a short-term loan, you can alleviate financial strain by directing those funds towards essential local services. Consider using the loan for immediate medical expenses, urgent car repairs, necessary legal consultations, funeral costs, or replacing critical appliances. These services can help manage unexpected situations swiftly, ensuring you remain on stable footing.

Car Accessories
272 South Mayo Trail, Paintsville, KY 41240
+1 (606) 789-6063
Car Wash
276 South Mayo Trail, Paintsville, KY 41240
+1 (606) 788-7837
Club & Association
221 Court Street, Paintsville, KY 41240
+1 (606) 789-4022
College/University
340 Main Street, Paintsville, KY 41240
+1 (606) 788-7331
Community Center
1127 Euclid Avenue, Paintsville, KY 41240
+1 (606) 789-4830
Dentist
140 Main Street, Paintsville, KY 41240
+1 (606) 789-6385
Doctor
236 College Street, Paintsville, KY 41240
Fast Food
615 North Mayo Trail, Paintsville, KY 41240
Fitness Club & Center
227 College Street, Paintsville, KY 41240
+1 (606) 788-0054
Florists
117 Main Street, Paintsville, KY 41240
+1 (606) 789-5376
Hospital
625 James Trimble Boulevard, Paintsville, KY 41240
+1 (606) 789-3511
Hotel
512 South Mayo Trail, Paintsville, KY 41240
+1 (606) 789-3551
Library
513 3rd Street, Paintsville, KY 41240
+1 (606) 788-2831
Local Post Office
100 Smokey Hollow, Paintsville, KY 41240
+1 (606) 789-4266
Movie Theater
336 Main Street, Paintsville, KY 41240
+1 (606) 791-2372

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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Paintsville ZIP Codes

41216
41222
41240
41256