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Best Online Short-term Loans in Ridgeland

Need cash quickly? You're not alone. Many people face urgent financial needs that can't wait, and traditional loans just don't cut it. The stress of unexpected expenses is enough to keep anyone up at night. Enter Best Cash Advance Short-term Loans, your fast, reliable solution. We get you the funds you need to tackle life's surprises, without the paperwork hassle. Enjoy quick approval and peace of mind with our straightforward process. Don't let short-term financial hiccups disrupt your life. Apply now and discover how easy it is to get the cash you need, when you need it!

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Best Online Short-term Loans in Ridgeland

Lenders Loans
Loan agency
5.00
1 reviews

Address: 10876 N Jacob Smart Blvd, Ridgeland, SC 29936

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

Phone Number: +1 (843) 726-5185

Website: lendersloans.com

Services:

Installment loans Line of credit Payday loans Establishing Credit Home Repairs Lenders Loans
ACE Cash Express
Loan agency
4.90
10 reviews

Address: 2947 Okatie Hwy, Ridgeland, SC 29936

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

Phone Number: +1 (843) 987-2274

Website: acecashexpress.com/locations/south-carolina/ridgeland/1100

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards Money Orders Tax Services Business Services
World Finance
Loan agency
4.50
4 reviews

Address: 8205 E Main St E, Ridgeland, SC 29936

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

Phone Number: +1 (843) 726-4946

Website: loansbyworld.com/locations/south-carolina/ridgeland/29936/221

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
B&B Loans
Loan agency

Address: Ridgeland, SC 29936

Jasper Fast Cash Advance
Loan agency

Address: 158 S Railroad Ave, Ridgeland, SC 29936

Today's Business Hours: 10:00 AM - 5:00 PM

Phone Number: +1 (843) 717-2274

Alternatives to Short-term Loans in Ridgeland

Short-term loans come in various forms, including personal, installment, and title loans, each tailored to meet specific financial needs with differing terms and conditions. Personal loans are unsecured loans generally used for urgent expenses and repaid over a short period. Installment loans, another type of short-term loan, allow borrowers to repay the borrowed sum plus interest in regularly scheduled payments, offering a more manageable repayment plan. Title loans, on the other hand, are secured loans where borrowers use their vehicle title as collateral, typically offering quicker access to funds but often at higher interest rates. Each type of short-term loan provides different advantages and risks, making it crucial for borrowers to assess their financial situation and borrowing needs carefully.

Best Personal Loan

Advance America
4.90
10 reviews

Personal loans are a popular type of short-term borrowing option for individuals who need immediate funds. These loans typically require no collateral, making them an unsecured option for borrowers. They are suitable for covering emergency expenses, consolidating debt, or financing home improvements. Most lenders offer flexible terms, usually ranging from a few months to a couple of years, with interest rates that are lower than payday loans but higher than traditional long-term loans. The best personal loan depends on your credit score, income, and ability to repay, but lenders like SoFi and Marcus by Goldman Sachs are often regarded as offering competitive terms and excellent customer service.

Loan Regulations in South Carolina

In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.

The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.

Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.

These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.

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 taken out a short-term loan, it can be used across various local service providers to address urgent needs. This financial assistance can cover medical expenses, car repairs, legal fees, funeral costs, and appliance services. Utilizing these local resources ensures timely support for essential services when immediate funds are necessary.

Barbecue Restaurant
2915 North Okatie Highway, Ridgeland, SC 29936
+1 (843) 645-4227
Car Repair and Service
401 Sycamore Drive, Ridgeland, SC 29936
+1 (844) 976-3787
Car Wash
10246 South Jacob Smart Boulevard, Ridgeland, SC 29936
+1 (843) 645-9770
Club & Association
451B East Wilson Street, Ridgeland, SC 29936
College/University
Lowcountry Drive, Ridgeland, SC 29936
+1 (843) 987-8107
Community Center
444 Wise Street, Ridgeland, SC 29936
+1 (843) 726-5601
Dentist
11263 North Jacob Smart Boulevard, Ridgeland, SC 29936
+1 (843) 726-8771
Doctor
10911 Henry Lawton Road, Ridgeland, SC 29936
+1 (843) 645-1635
Fitness Club & Center
8225 East Main Street, Ridgeland, SC 29936
+1 (843) 726-6600
Government Office
1 Town Square, Ridgeland, SC 29936
+1 (843) 726-7500
Hotel
524 East Main Street, Ridgeland, SC 29936
+1 (843) 726-6050
Library
451 East Wilson Street, Ridgeland, SC 29936
+1 (843) 726-7744
Museum
123 Fordville Road, Ridgeland, SC 29936
+1 (843) 726-6544
Pharmacy
10911 North Jacob Smart Boulevard, Ridgeland, SC 29936
+1 (843) 227-3501
Rent-a-Car Facility
North Okatie Highway, Ridgeland, SC 29936
+1 (843) 645-2920

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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Ridgeland ZIP Codes

29909
29936