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Best Online Short-term Loans in Rifle

Need quick cash to tackle unexpected expenses? We've got your back with the best cash advance short-term loans. Financial surprises can hit when you least expect them, causing stress and frustration. Worry no more! Our flexible and fast short-term loans are designed to provide the financial relief you need without the hassle. Easy application, quick approval, and swift access to funds make our service the perfect solution for your urgent financial needs. Take control of your finances today and breathe easy with our straightforward cash advance options.

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Best Online Short-term Loans in Rifle

Dinero Rapido
Check cash

Address: 120 W 4th St #4, Rifle, CO 81650

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

Phone Number: +1 (970) 625-0255

Western Rockies FCU
Credit union

Address: 142 W 3rd St, Rifle, CO 81650

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

Phone Number: +1 (970) 625-0212

Website: westernrockiesfcu.org

Alternatives to Short-term Loans in Rifle

Short-term loans offer quick financial solutions for immediate needs and come in various forms, including personal, installment, and title loans. Personal loans are unsecured and typically require a good credit score, offering flexible usage but often higher interest rates. Installment loans are repaid over a set period with fixed monthly payments, providing predictability in budgeting. Title loans use the borrower's vehicle as collateral, allowing access to funds without a credit check, but pose a risk of losing the asset if the loan is not repaid. Each loan type serves specific purposes, with varying terms, conditions, and risks.

Best Personal Loan

Academy Mortgage - Rifle
5.00
10 reviews

Short-term loans are a type of financing designed to address immediate financial needs, usually with a repayment period of under a year. Personal loans are one of the most popular forms of short-term loans. They offer flexibility to borrowers for various uses such as debt consolidation, home improvements, or unexpected expenses. Among personal loans, the best option could be a local credit union loan because they often provide lower interest rates, personalized service, and more favorable terms to their members compared to other financial institutions.

Loan Regulations in Colorado

Short-term loan regulations are governed by state-wide laws to protect consumers in Colorado. The maximum allowable annual percentage rate (APR) on short-term loans in Colorado is capped at 36%. This significantly reduces the overall cost of borrowing, making it a more affordable option for consumers.

Eligibility requirements for short-term loans typically include being at least 18 years old, having a valid government-issued ID, proof of a steady income source, and an active checking account. Loan terms can vary but often span from a minimum of six months to a maximum of 12 months.

Colorado's short-term loan regulations also restrict borrowers from taking out more than one short-term loan at a time, helping to prevent debt cycles. Lenders are required to provide clear and transparent loan agreements, outlining all terms, fees, and repayment schedules.

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 secured a short-term loan, there are several essential services where you can allocate these funds effectively. You might use the loan to address urgent needs such as medical expenses, car repair services, or legal fees. Additionally, the funds can assist in managing costs related to funeral arrangements or purchasing necessary appliances.

Car Repair and Service
28485 Highway 6, Rifle, CO 81650
+1 (970) 625-9654
Car Wash
408 West 3rd Street, Rifle, CO 81650
+1 (970) 625-4635
College/University
1001 Railroad Avenue, Rifle, CO 81650
+1 (970) 625-3969
Community Center
50 Ute Avenue, Rifle, CO 81650
+1 (970) 625-1877
Concert Hall
132 East 4th Street, Rifle, CO 81650
Dentist
1430 Railroad Avenue, Rifle, CO 81650
+1 (970) 665-9482
Doctor
501 Blacktail Drive, Rifle, CO 81650
Government Office
144 East 3rd Street, Rifle, CO 81650
+1 (970) 625-4202
Hospital
501 Blacktail Drive, Rifle, CO 81650
+1 (970) 625-1510
Library
207 East Avenue, Rifle, CO 81650
+1 (970) 625-3471
Local Post Office
330 Railroad Avenue, Rifle, CO 81650
+1 (970) 625-1070
Movie Theater
250 West 2nd Street, Rifle, CO 81650
+1 (970) 665-9196
Museum
337 East Avenue, Rifle, CO 81650
+1 (970) 625-4862
Pharmacy
Rifle, CO 81650
+1 (970) 625-8931
Rent-a-Car Facility
375 County Road 352, Rifle, CO 81650
+1 (970) 625-6119

FAQ

What are short-term loans?

Short-term loans are financial products intended to provide quick access to funds, usually for a small amount of money over a brief time frame. They are ideal for emergencies or unexpected expenses that require immediate attention.

Can I get a short-term loan if I have bad credit?

Yes, many lenders offer short-term loans to individuals with bad credit. These loans usually have higher interest rates, but they provide an option for those who may not qualify for traditional loans due to their credit history.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive the requested funds on the same day they apply. These loans are designed for rapid processing to help address urgent financial needs.

How do short-term loans work?

Short-term loans are a form of short-term borrowing where a lender extends high-interest credit based on a borrower's income. The borrowed amount is typically repaid on the borrower's upcoming payday through automatic bank transfers or a post-dated check.

What are the typical requirements for a short-term loan?

While requirements vary by lender, common prerequisites include proof of steady income, an active bank account, and identification verification. Some lenders might also require you to be at least 18 years old and residing in the same state as the lender.

Are there alternatives to short-term loans?

Yes, alternatives to short-term loans include personal loans from a bank or credit union, borrowing from friends or family, using a credit card, or tapping into an emergency fund. Each alternative has its own advantages and drawbacks, depending on your financial situation.

What should I consider before taking a short-term loan?

Before opting for a short-term loan, assess your ability to repay the loan on time considering the high interest rates and fees commonly associated with these loans. Make sure to thoroughly research and compare terms from multiple lenders to ensure you select the most favorable option.

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Rifle ZIP Codes

81650
81652