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Best Online Short-term Loans in Ridgeland

Need cash fast? You're not alone! Short-term financial hiccups can be stressful, leaving you scrambling for solutions. But fret not, as our Best Cash Advance Short-term Loans are here to rescue you from those pesky money woes. Imagine having the funds you need right at your fingertips! Our quick and straightforward loan process is designed to get you back on your feet in no time. Discover the ease and convenience of securing short-term loans without the hassle. Say goodbye to stress and hello to financial freedom today!

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Best Online Short-term Loans in Ridgeland

American Cash
Financial institution

Address: 587 Hwy 51 North, Suite V-1, Ridgeland, MS 39157

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

Phone Number: +1 (601) 898-9718

Website: myamericancash.com

Services:

Payday Loan Installment Loans Check Cashing
AACE Personal Loans
Loan agency
5.00
10 reviews

Address: 6800 Old Canton Rd, Ridgeland, MS 39157

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

Phone Number: +1 (601) 956-3644

Website: aacecheckadvance.net

Services:

Cash for gift cards Installment loans Microloans Payday loans Signature loans Personal Loans Cash Advances Basic Loan emergency cash loans pay day loans Personal check cashing
A-1 Personal Loans
Loan agency
5.00
1 reviews

Address: 607 C, 607 C US-51 C, Ridgeland, MS 39157

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

Phone Number: +1 (601) 853-8264

Services:

Installment loans Payday loans Signature loans
Money Tyme Payday Loans
Loan agency
5.00
4 reviews

Address: 6955 Old Canton Rd ste n, Ridgeland, MS 39157

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

Phone Number: +1 (601) 321-9100

Website: moneytyme.net/ridgeland

Services:

Installment loans Line of credit Microloans Payday loans Personal check cashing Signature loans Basic Loan Emergency Loan No Credit Check Short Term Financing personal loans
Liberty Tax and Loans
Loan agency
4.90
5 reviews

Address: 612 US-51 Suite A Suite A, Ridgeland, MS 39157

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

Phone Number: +1 (601) 898-3933

Website: approvedcashadvance.com/locations/ridgeland

Services:

Payday loans Title loans Cash Advance Check Cashing Payday Loans Title Loans
A-1 Payday Loans
Loan agency
4.80
10 reviews

Address: 607 US-51, Ridgeland, MS 39157

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

Phone Number: +1 (601) 853-8266

Website: a1lending.net/ridgeland

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans CHECK CASHING Bad Credit Loan Basic Loan Cash Advance Loan Emergency Loan Online Cash Advance Personal Loans Quick Cash Short Term Financing Short Term Loan Loan Applications No Credit Check Loans Pay Day Loans A-1 Loans
World Finance
Loan agency
4.30
3 reviews

Address: 1060 E County Line Rd Ste 20, Ridgeland, MS 39157

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (601) 206-9559

Website: loansbyworld.com/locations/mississippi/ridgeland/39157/2108

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Building Credit Capitol Loans Car Repairs Credit Card Payments Easy Loans Finance Loans Home Repair Loan Payment Plan Loan Solutions Local Loans Pawn Shop Loans Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns
All American Check Cashing
Check cash
4.00
1 reviews

Address: 410 Christine Dr D, Ridgeland, MS 39157

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (601) 853-2401

Tower Loan
Loan agency
2.30
5 reviews

Address: 109 Lake Harbour Dr, Ridgeland, MS 39157

Today's Business Hours: 8:30 AM - 6:30 PM

Phone Number: +1 (601) 853-4184

Website: towerloan.com/branch/ridgeland

Services:

Title loans Apply For Loans Online Auto Loans Auto Repairs Building Credit Car Repairs Cash Advance Cash Personal Loans Consolidate Debt Consumer Finance Consumer Loans Conventional Loans Credit Card Debt Credit Card Loans Credit Reporting Debt Refinance Loan Disability Insurance Financial Education Financial Planning Financing Home Equity Loans Home Home Improvement Loans Home Mortgages Home Renovations Home Repair Loans Installment loans Lender's Loans Lending Loans Lending Online Lending Process Life Insurance Loan Brokers Loan Origination Loan Refinancing Loans For Bad Credit Marketing Services Medical Bills Merchant Services New Car New Furniture Office Tower Loan Online Lenders Online Loan Application Other Personal Loan Pay Off Credit Cards Payment Collection Payment Plans Personal Finances Personal Lending Personal Loans For Many Purposes Personal Loans For Various Purposes Personal Loans Online Premier Loan Property Insurance Quick And Easy Credit Quick Cash Renovation Project Repayment Plans Retirement Planning Revolving Credit Secured Personal Loans Signature loans Simple Online Loan Student Loan Take Out Loans Travel Insurance Travel Loans Unsecured Personal Loans Vacation Loans
Feild Cooperative Association Inc
Loan agency

Address: 1076 Highland Colony Pkwy #175, Ridgeland, MS 39157

Today's Business Hours: 8:30 AM - 4:30 PM

Phone Number: +1 (601) 713-2312

Website: feildcooperative.org

Services:

Installment loans Student Loans

Alternatives to Short-term Loans in Ridgeland

Short-term loans are financial solutions designed for those needing quick funds, typically repayable within a year. Personal loans are unsecured, allowing borrowers to use the funds for various needs without collateral, but they often come with higher interest rates due to the lack of security. Installment loans require borrowers to repay the borrowed amount in fixed monthly installments over a predefined period, providing predictability in payments. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral, offering immediate access to cash but posing a risk of losing the vehicle if repayment terms are not met.

Best Personal Loan

Ernie Turner
5.00
12 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 Installment Loan

The Lending Force
0.00
0 reviews

Installment loans are another popular form of short-term borrowing. These loans are known for their structured repayment plans, where borrowers pay back the money in equal, regular installments over a predetermined period. This predictability helps borrowers budget effectively, ensuring that they can manage their finances without the stress of fluctuating payments. Although some installment loans may come with higher interest rates, they remain a convenient option, especially for individuals requiring a lump sum for crucial expenditures and prefer having a clear timeline for repayment.

Loan Regulations in Mississippi

In Mississippi, short-term loan regulations are designed to protect consumers while providing accessible short-term lending options. The state permits short-term loans up to $500, with a maximum loan term of 30 days. This limit is set to help borrowers avoid long-term debt. The fees charged by lenders are regulated as well; lenders can charge up to $20 per $100 borrowed for loans up to $250, and $21.95 per $100 borrowed for loans between $250 and $500. Borrowers are also limited to one short-term loan at a time to prevent an unsustainable debt cycle. Eligibility for these loans typically includes a requirement for proof of income, a valid bank account, and valid identification. The regulations ensure that while short-term loans provide immediate financial relief, they are also safeguarded with terms that promote responsible borrowing and lending practices in Mississippi.

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

Once a short-term loan has been secured, it can be utilized for various urgent expenses through local service providers. This includes covering costs for medical services such as hospital bills or medical procedures, car repair shops for essential vehicle maintenance, legal services for unexpected legal fees, funeral services for burial or memorial expenses, and appliance services for necessary repair or replacement of household items. These providers cater to immediate needs, making them viable options for the practical application of short-term loan funds in times of need.

Car Repair and Service
254 Highway 51, Ridgeland, MS 39157
+1 (601) 856-9033
Car Wash
669 Highway 51, Ridgeland, MS 39157
+1 (601) 228-6584
Club & Association
900 East County Line Road, Ridgeland, MS 39157
+1 (601) 978-7868
College/University
602 Steed Road, Ridgeland, MS 39157
+1 (601) 898-1920
Dentist
321 Highway 51, Ridgeland, MS 39157
+1 (601) 856-3182
Doctor
331 Sunnybrook Road, Ridgeland, MS 39157
Fast Food
1068 East County Line Road, Ridgeland, MS 39157
Fitness Club & Center
2000 East County Line Road, Ridgeland, MS 39157
+1 (601) 360-8080
Furniture/Home Furnishings
410 Christine Drive, Ridgeland, MS 39157
+1 (601) 898-2448
Government Office
304 Highway 51, Ridgeland, MS 39157
+1 (601) 853-2013
Hotel
853 Centre Street, Ridgeland, MS 39157
+1 (601) 899-8611
Library
412 West Ridgeland Avenue, Ridgeland, MS 39157
+1 (601) 605-3303
Movie Theater
250 Ring Road, Ridgeland, MS 39157
+1 (601) 202-9890
Museum
637 Highway 51, Ridgeland, MS 39157
+1 (601) 790-7001
Pharmacy
297 Highway 51, Ridgeland, MS 39157
+1 (601) 856-4104

FAQ

What are short-term loans?

Short-term loans are a type of financial product designed to provide quick access to funds for a brief period, usually ranging from a few weeks to a few months. These loans are ideal for bridging temporary cash flow gaps or unexpected expenses.

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

Yes, some lenders specialize in offering short-term loans to individuals with bad credit. While your credit score may affect the terms and interest rates offered, having bad credit won’t necessarily disqualify you from obtaining a loan.

What is a same-day loan?

A same-day loan is a type of short-term loan where the loan processing and disbursement occur on the same day you apply. This option is beneficial when you need immediate financial assistance due to an emergency.

How do short-term loans work?

Short-term loans are a specific type of short-term loan designed to be repaid with your next paycheck. They offer quick access to cash and generally have high interest rates and fees. It's important to use short-term loans responsibly to avoid falling into a cycle of debt.

What are the eligibility requirements for short-term loans?

Eligibility criteria for short-term loans vary by lender, but generally include being at least 18 years old, having a regular source of income, and maintaining an active checking account. Some lenders may also require proof of residency and identification.

Are there any alternatives to short-term loans for people with bad credit?

Yes, there are alternatives to short-term loans for those with bad credit, including credit union loans, personal installment loans, and borrowing from friends or family. Each alternative comes with its own set of conditions and considerations, so it's crucial to choose the option that best fits your financial situation.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in person at a lender's location. The application process typically involves providing personal and financial information, employment details, and sometimes documentation to verify your income and identity.

Find Short-term Loans Near Me

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Ridgeland ZIP Codes

39072
39110
39157
39158
39213