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Best Online Short-term Loans in Pryor

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Best Online Short-term Loans in Pryor

Advance America
Financial institution
5.00
10 reviews

Address: 921 S Mill St, Pryor, OK 74361

Phone Number: +1 (918) 824-2209

Security Finance
Loan agency

Address: 431 S Wood St, Pryor, OK 74361

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

Phone Number: +1 (918) 825-4211

Website: securityfinance.com/locations/pryor-ok-0399

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
LendNation
Loan agency
4.90
10 reviews

Address: 431 S Mill St, Pryor, OK 74361

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

Phone Number: +1 (918) 825-6130

Website: lendnation.com/location/ok/pryor/431-s-mill-street-1200

Services:

Business loans Signature loans Installment Loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Loan Funding Loan Payments New Loan Online Lending Short-Term Loans Small Loan
Western Finance Associates
Loan agency
4.90
14 reviews

Address: 108 SE 9th St, Pryor, OK 74361

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

Phone Number: +1 (918) 825-5511

Website: westernshamrock.com/locations/oklahoma/western-finance-associates-pryor-ok

Services:

Business loans Installment loans Payday loans Signature loans Debt Consolidation Home Loans Personal Loans
Covington Credit
Loan agency
4.50
10 reviews

Address: 221 E Graham Ave, Pryor, OK 74361

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

Phone Number: +1 (918) 825-2274

Website: heightsfinance.com/loan-office-location/cash-loans-pryor-oklahoma

Services:

Line of credit Payday loans Signature loans Auto Repairs Credit Insurance Easy Loans Fixed-Rate Loans Personal Loans
Continental Credit
Loan agency
4.20
1 reviews

Address: 443 S Wood St, Pryor, OK 74361

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

Phone Number: +1 (918) 825-6200

Website: securityfinance.com/locations/pryor-ok-1281

Advantage Loans
Loan agency
2.50
1 reviews

Address: 12 S Adair St, Pryor, OK 74361

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

Phone Number: +1 (918) 825-6100

S.A.M. Check Cashing Machine
Check cash

Address: 925 S Mill St, Pryor, OK 74361

Today's Business Hours: 6:00 AM - 11:00 PM

Phone Number: +1 (918) 825-5795

Website: samco-financial.com/check-cashing-near-me

Services:

Government benefits check cashing Money orders Payroll check cashing Financial Service Insurance Check Cashing Pos System Unemployment Check Cashing

Alternatives to Short-term Loans in Pryor

Short-term loans can be broadly categorized into personal, installment, and title loans, each serving distinct financial needs. Personal loans are unsecured loans that generally do not require collateral and may be used for various purposes, from consolidating debt to unexpected expenses, offering flexible terms. Installment loans, similar to personal loans, are usually repaid in fixed payments over a short period and often come with fixed interest rates, making them predictable and easy to budget for. Title loans, on the other hand, require the borrower to use their vehicle title as collateral, often providing quick access to cash but typically carry higher interest rates and risk of repossession if not repaid on time. Each loan type has its advantages and considerations, making it essential for borrowers to assess their financial situation and repayment ability before committing.

Best Personal Loan

Empire Finance
5.00
14 reviews

Short-term loans are financial products designed to be repaid within a relatively short period, typically ranging from a few weeks to a year. These loans are often used by individuals to cover immediate needs or unexpected expenses. One option for the best personal short-term loan is the payday loan. Payday loans are unsecured loans that are usually small in amount and intended to be repaid by the borrower's next payday. They offer quick access to cash but often come with high interest rates and fees.

Best Car Title Loan

Clear Title and Closings LLC.
4.90
4 reviews

Title loans offer a quick way to access cash using a vehicle title as collateral. They are known for their fast approval process, often providing funds within the same day of application. However, these loans come with high interest rates and the risk of losing the vehicle if the loan is not repaid on time. Title loans are best considered as a last resort when other more affordable borrowing options have been exhausted, and the borrower is confident in their ability to repay the loan promptly.

Loan Regulations in Oklahoma

Oklahoma’s short-term loan regulation ensures consumer protection while providing access to quick financial solutions. State-wide, these regulations stipulate that short-term loan amounts cannot exceed $500. The loan terms are flexible, ranging from 12 to 45 days, giving borrowers ample time to manage repayment. Regarding interest rates, Oklahoma caps the finance charges at $15 for every $100 borrowed up to $300, and an additional $10 for every $100 beyond the initial $300.

To be eligible for a short-term loan in Oklahoma, applicants typically need to provide proof of income, a valid government-issued ID, and an active checking account. The regulations also require payday lenders to be transparent about the terms and fees of the loan, ensuring borrowers are fully informed before entering into any agreement.

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 a practical solution for covering unexpected expenses across various local service sectors. Borrowers may use these funds to address urgent medical bills, essential car repairs, legal fees, funeral costs, or necessary appliance services. This financial option can provide immediate relief and support during pressing situations.

American Restaurant
385 Mid America Drive, Pryor, OK 74361
+1 (918) 476-8182
Car Repair and Service
311 West Graham Avenue, Pryor, OK 74361
+1 (918) 825-3169
Car Wash
10 North Mill Street, Pryor, OK 74361
Club & Association
222 Southeast 1st Street, Pryor, OK 74361
College/University
421 South Elliott Street, Pryor, OK 74361
+1 (918) 825-6053
Community Center
851 Southeast 9th Street, Pryor, OK 74361
+1 (918) 825-6220
Dentist
1909 South Elliott Street, Pryor, OK 74361
+1 (918) 825-4336
Doctor
111 North Bailey Street, Pryor, OK 74361
+1 (918) 824-7786
Fitness Club & Center
325 South Mill Street, Pryor, OK 74361
+1 (918) 373-2925
Government Office
700 East Graham Avenue, Pryor, OK 74361
Hospital
111 North Bailey Street, Pryor, OK 74361
+1 (918) 825-1600
Hotel
271 Mid America Drive, Pryor, OK 74361
+1 (918) 476-5400
Library
505 East Graham Avenue, Pryor, OK 74361
+1 (918) 825-0777
Local Post Office
4901 S Mills St, Pryor, OK 74361
+1 (877) 889-2457
Movie Theater
225 East Graham Avenue, Pryor, OK 74361
+1 (918) 825-2021

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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