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Best Online Short-term Loans in Port Richey

Need cash fast? That's where short-term loans come in! Life’s unexpected expenses can throw your budget off balance. Those unplanned bills and emergencies can keep you up at night. But don't worry! Our Best Cash Advance Short-term Loans service is the quick, reliable solution you need. Designed to help you overcome financial hiccups without the stress, you’ll find the cash you need right at your fingertips. Get back to your day with peace of mind and a secure financial future. Apply now and move past your financial hurdles with ease!

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Best Online Short-term Loans in Port Richey

Consumer Financial Services
Loan agency
4.40
21 reviews

Address: 10431 US-19, Port Richey, FL 34668

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

Phone Number: +1 (727) 862-2944

Website: cfsautoloans.com

Services:

Installment loans Payday loans Signature loans Title loans Auto Finance Auto Finance Loans Auto Loans Auto Repair Auto Repair Loan Bad Credit Loans Car Dealers Car Loans Car Auto Loans Consumer Finance Holiday Loan Loans Personal Loans Repair Loan Secured Personal Loans Small Personal Loans Vehicle Insurance Vehicle Repairs Windshield Replacement
Amscot - The Money Superstore
Loan agency
4.20
10 reviews

Address: 11932 US-19, Port Richey, FL 34668

Phone Number: +1 (727) 819-8910

Website: amscot.com/location/branch-85/11932-us-hwy-19-n-port-richey-fl-34668

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
Amscot - The Money Superstore
Loan agency
4.10
9 reviews

Address: 9324 US-19, Port Richey, FL 34668

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

Phone Number: +1 (727) 843-9298

Website: amscot.com/location/branch-26/93049324-us-hwy-19-n-port-richey-fl-34668

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

Alternatives to Short-term Loans in Port Richey

Short-term loans are designed to provide temporary financial relief and come in various forms such as personal loans, installment loans, and title loans. Personal loans are unsecured, meaning no collateral is required, and they typically have a brief repayment period with fixed monthly payments. Installment loans require borrowers to repay the principal and interest in predetermined installments over a set period, offering more manageable repayment options. Title loans, on the other hand, require the borrower to use their vehicle title as collateral, providing a quick loan option but risking vehicle ownership if the loan isn't repaid. Each loan type serves different borrower needs and carries its own risks and benefits.

Best Personal Loan

Rapid Payday Loans
5.00
8 reviews

Short-term personal loans are typically unsecured loans that are granted quickly and without the need for collateral. These loans are ideal for individuals who need a small amount of money urgently. The best personal short-term loan option would be one with a competitive interest rate, flexible repayment terms, and quick approval process. For example, a lending platform that offers online applications with instant decisions and funding within a day can be highly advantageous for borrowers needing immediate funds.

Best Car Title Loan

keystone title agency
4.40
10 reviews

Title loans are short-term loans that require the borrower to use their vehicle title as collateral. Usually short in duration, often 30 days, these loans allow individuals to borrow a percentage of their car's value. While providing fast access to cash and minimal requirements, title loans can be risky due to their high cost and potential to lose the vehicle if the loan is not repaid. Typically, these loans are sought by individuals with poor credit who may not qualify for other types of financing, but borrowers must carefully consider their ability to make payments before opting for this type of loan.

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

If you've recently obtained a short-term loan, several local service providers can help you address essential needs. You can pay for unexpected medical bills, cover urgent car repair costs, afford necessary legal services, manage funeral expenses, or purchase vital home appliances. These options allow you to utilize your loan effectively to ensure stability in pressing situations.

Car Repair and Service
11613 US Highway 19, Port Richey, FL 34668
+1 (727) 862-9044
Car Wash
8326 US Highway 19, Port Richey, FL 34668
+1 (727) 846-1385
College/University
8661 Citizen Drive, New Port Richey, FL 34654
+1 (727) 816-8423
Community Center
7220 Baillie Drive, New Port Richey, FL 34653
+1 (727) 848-2579
Concert Hall
6237 Grand Boulevard, New Port Richey, FL 34652
+1 (727) 842-6777
Dentist
11116 US Highway 19, Port Richey, FL 34668
+1 (727) 999-2740
Doctor
8139 State Road 54, New Port Richey, FL 34655
Fast Food
11818 US Highway 19, Port Richey, FL 34668
Fitness Club & Center
5231 US Highway 19, New Port Richey, FL 34652
+1 (727) 849-6954
Hospital
10806 US Highway 19, Port Richey, FL 34668
+1 (727) 861-7043
Hotel
10619 US Highway 19, Port Richey, FL 34668
+1 (727) 868-1900
Library
5939 Main Street, New Port Richey, FL 34652
+1 (727) 853-1279
Mobile Phone Shop
9431 US Highway 19, Port Richey, FL 34668
+1 (727) 841-0872
Movie Theater
6701 Cinema Drive, Port Richey, FL 34668
+1 (727) 862-9567
Museum
5837 Main Street, New Port Richey, FL 34652
+1 (727) 842-8066

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick access to funds, typically to be repaid within a short period, ranging from a few weeks to several months. They are ideal for covering unexpected expenses or emergencies.

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 based on income and ability to repay rather than just credit scores. However, interest rates may be higher than those offered to borrowers with good credit.

What are same-day loans?

Same-day loans are a type of short-term loan designed to provide borrowers with funds quickly, often within the same day of application approval. It's important to check the approval timeframes with your lender, as it can vary.

How do short-term loans work?

Short-term loans are short-term loans typically due on your next payday. They are often smaller in amount and can be acquired quickly. However, they usually come with high fees and interest rates, so it's important to use them responsibly.

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 couple of hundred dollars to a few thousand. Factors such as your income and credit history will also influence the amount.

Are there any alternatives to short-term loans?

Yes, alternatives to short-term loans include personal loans, credit union loans, or negotiating payment plans with creditors. These options often come with lower interest rates and more favorable terms than short-term loans.

What should I consider before applying for a short-term loan?

Before applying for a short-term loan, consider the total cost of the loan, including fees and interest rates. Ensure that you understand the repayment terms and that you can meet them without compromising your financial stability.

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Port Richey ZIP Codes

34652
34668
34673