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Best Online Short-term Loans in Palm Coast

Running low on funds can be stressful! When unexpected expenses arise or payday seems too far away, short-term loans could be your lifeline. These quick cash advances are designed to offer you fast access to money right when you need it most. But finding the right lender can be overwhelming and full of hidden pitfalls. That's where we come in! Our "Best Cash Advance Short-term Loans" service ensures you get the cash you need with terms you can trust. Navigate financial emergencies effortlessly and regain your peace of mind today!

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Best Online Short-term Loans in Palm Coast

Check On Hold
Check cash
5.00
5 reviews

Address: 1070 Palm Coast Pkwy SW Suite 3, Palm Coast, FL 32137

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

Phone Number: +1 (386) 445-1154

Website: checkonholdinc.com

Services:

Bill paying Payday loans Bitcoin Services Car Insurance Cash Advance/ Pay Day Loans Credit Card Gift Card Buying Prepaid Debit Card Quick Cash
Speedy Payday Loans
Loan agency
5.00
6 reviews

Address: 15 New Water Oak Dr, Palm Coast, FL 32137

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

Phone Number: +1 (386) 204-6522

Website: speedypdl.com/locations/palm-coast

Services:

Installment loans Payday loans Signature loans Bad Credit Loans Loans Personal Loans No Credit Check Loans Personalised Service Quick Online Loan Short-Term Loan Unsecured Loans
Advance America
Financial institution
4.90
14 reviews

Address: 800 Belle Terre Pkwy Suite 212, Palm Coast, FL 32164

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

Phone Number: +1 (386) 586-3106

Website: advanceamerica.net/store-locations/florida/800-belle-terre-pkwy-suite-212-palm-coast-32164

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bank Transfers Bill Payments Child Tax Credit 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 Management 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
Amscot - The Money Superstore
Loan agency
3.10
10 reviews

Address: 1276-1278 Palm Coast Pkwy SW, Palm Coast, FL 32137

Today's Business Hours: 8:00 AM - 9:00 PM

Phone Number: +1 (386) 864-7820

Website: amscot.com/location/branch-212/1276--1278-palm-coast-pkwy-sw-palm-coast-fl-32137

Services:

Money orders Payday loans Signature loans Bill Payments Cash Advance Cash Advances Check Cashing Dollar Loans Free Money Orders Loans Military Lending Money Transfers Notary Pay Day Loans
Truist
Bank
3.10
10 reviews

Address: 15 Pine Cone Dr, Palm Coast, FL 32137

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

Phone Number: +1 (386) 627-7040

Website: truist.com/locations

Alternatives to Short-term Loans in Palm Coast

Short-term loans include various options such as personal, installment, and title loans, each catering to different financial needs. Personal loans are unsecured loans that provide a lump sum of money to be repaid typically within a few months to a year, without the need for collateral. Installment loans offer a structured repayment schedule with fixed monthly payments and are suitable for those seeking predictable budgeting. Title loans, on the other hand, are short-term secured loans where the borrower uses their vehicle as collateral, often resulting in higher interest rates and a faster repayment period, making them a quick but risky option for immediate financial needs.

Best Personal Loan

Caliber Home Loans, Inc. - Palm Coast, FL
5.00
10 reviews

Short-term personal loans are a convenient option for individuals who need quick access to funds and have a specific short-term goal in mind, such as covering emergency expenses or unexpected bills. These loans are typically unsecured, meaning you don't need to provide collateral, and they can be processed quickly with comparatively less stringent credit requirements. The costs are higher due to the short repayment terms and higher interest rates, so they are best suited for urgent financial needs where time is of the essence.

Best Car Title Loan

Truly Yours Title, LLC
5.00
10 reviews

Title loans are short-term loans where the borrower uses their vehicle's title as collateral to secure the loan. This type of loan offers quick access to cash, often appealing to those with bad credit. The best title loans have lower interest rates and transparent terms, ensuring the borrower fully understands their repayment obligations. Title lenders often offer flexible payment plans and quick approval processes, but borrowers should be cautious, as defaulting on the loan could result in the loss of their vehicle.

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

Individuals who have taken out a short-term loan can efficiently allocate these funds towards essential local services. Medical providers can receive payment for urgent healthcare needs, car repair shops can be paid for immediate vehicle maintenance, and legal services can address pressing legal concerns. Additionally, funeral services can help manage unexpected end-of-life expenses, while appliance service providers can assist with necessary household repairs, ensuring the loan directly supports critical areas of one's life.

American Restaurant
7 Kings Way, Palm Coast, FL 32137
+1 (386) 445-9000
Car Repair and Service
15 Hargrove Lane, Palm Coast, FL 32137
+1 (386) 585-4785
Car Wash
13 Old Kings Road North, Palm Coast, FL 32137
+1 (386) 447-9274
Club & Association
4883 Palm Coast Parkway Northwest, Palm Coast, FL 32137
College/University
160 Cypress Point Parkway, Palm Coast, FL 32164
+1 (386) 597-2855
Community Center
9 Wainwood Place, Palm Coast, FL 32164
+1 (386) 447-8887
Dentist
782 Belle Terre Parkway, Palm Coast, FL 32164
+1 (386) 313-5991
Do-It-Yourself Centers
10 Garden Street North, Palm Coast, FL 32137
+1 (386) 445-2497
Doctor
10 Cypress Point Parkway, Palm Coast, FL 32164
Government Office
160 Cypress Point Parkway, Palm Coast, FL 32164
+1 (386) 986-3780
Hospital
60 Memorial Medical Parkway, Palm Coast, FL 32164
+1 (386) 586-2000
Library
2500 Palm Coast Parkway Northwest, Palm Coast, FL 32137
+1 (386) 446-6763
Local Post Office
2 Pine Cone Drive, Palm Coast, FL 32137
+1 (386) 447-9880
Pharmacy
9 Pine Cone Drive, Palm Coast, FL 32137
+1 (386) 597-2926
Rent-a-Car Facility
5700 East Highway 100, Palm Coast, FL 32164
+1 (386) 313-2627

FAQ

What are short-term loans?

Short-term loans are financial products designed to help individuals access funds quickly for urgent expenses. These loans typically have a repayment period ranging from a few weeks to a few months. They are ideal for covering unexpected costs or bridging financial gaps until your next paycheck.

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

Yes, you can obtain a short-term loan even if you have bad credit. Many lenders offer specialized services for individuals with less-than-perfect credit histories. These lenders focus more on your current ability to repay the loan rather than your past credit performance.

How do same-day loans work?

Same-day loans are designed to provide quick access to cash. Once you submit your application and it gets approved, the funds are typically disbursed into your bank account on the same day. This makes them a convenient option for urgent financial needs.

What are short-term loans?

Short-term loans are a type of short-term loan where the borrower receives a small amount of money, typically due on their next payday. These loans often come with high-interest rates and fees, making them an expensive borrowing option for immediate financial needs.

How much can I borrow with a short-term loan?

The amount you can borrow with a short-term loan varies by lender, but it typically ranges from a few hundred to a few thousand dollars. The lender will assess your income, creditworthiness, and state regulations to determine your eligible loan amount.

What are the interest rates and fees associated with short-term loans?

Short-term loans often carry higher interest rates and fees compared to traditional loans because they are meant to be quick fixes for immediate financial needs. It's important to understand the cost of the loan, including interest and fees, before committing to ensure it's a financially sound decision.

How do I apply for a short-term loan?

You can apply for a short-term loan through various methods, including online application portals, in-store applications, or by phone. The process typically involves providing personal information, proof of income, and bank details. Once your application is reviewed and approved, you will receive the funds according to the lender's guidelines.

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Palm Coast ZIP Codes

32110
32135
32136
32137
32142
32143
32164