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Best Online Short-term Loans in Ripley

Feeling the pinch before payday? You're not alone. Short-term financial hiccups can happen to anyone, but they don't have to derail your life. That's where our come in. Designed to tackle unexpected expenses quickly, these loans offer an easy and fast solution when you need it most. Say goodbye to the stress of sudden bills and hello to financial peace of mind. Let us help bridge your financial gap with a hassle-free loan experience tailored just for you.

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Best Online Short-term Loans in Ripley

Security Finance
Loan agency
5.00
2 reviews

Address: 790 Highway 51 N, Suite 8, Ripley, TN 38063

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

Phone Number: +1 (731) 635-9122

Website: securityfinance.com/locations/ripley-tn-0974

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 Financial Solutions Health Insurance Income Tax Preparation Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help
Quick Cash
Loan agency
5.00
1 reviews

Address: 292 Washington St, Ripley, TN 38063

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

Phone Number: +1 (731) 635-7271

World Finance
Loan agency
5.00
9 reviews

Address: 1243 Hwy 51 N, Ste 4, Ripley, TN 38063

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

Phone Number: +1 (731) 635-9077

Website: loansbyworld.com/locations/tennessee/ripley/38063/873

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
State Finance
Loan agency
4.80
10 reviews

Address: 109 Jackson St, Ripley, TN 38063

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

Phone Number: +1 (731) 635-7475

Website: wallacemgt.com

Services:

Installment loans Line of credit Payday loans Signature loans Title loans Build Credit Car Repair Loans Consumer Finance Emergency Loans School Loans Small Consumer Loan Starter Loans Vacation Loans
Cash Express
Loan agency
2.50
1 reviews

Address: 1234 US-51, Ripley, TN 38063

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

Phone Number: +1 (731) 635-4747

Services:

Business loans Cash for gift cards Flex loans Government benefits check cashing Line of credit Payday loans Payroll check cashing Personal check cashing Tax refund check cashing Title loans Cash Advance Cash For Gold Cash Today Client Services Community Support Credit Card Financial Literacy Financial Solution Home Services Mobile Banking New Loan Pawn Loans Prepaid Card
Tennessee Check Advance
Check cash

Address: 325 Cleveland St #1, Ripley, TN 38063

Today's Business Hours: 8:00 AM - 5:00 PM

Phone Number: +1 (731) 635-2700

Lauderdale County Bank
Loan agency

Address: Armour Ctr, Ripley, TN 38063

Phone Number: +1 (731) 635-0990

Alternatives to Short-term Loans in Ripley

Short-term loans cater to immediate financial needs with different options such as personal, installment, and title loans. Personal loans offer quick funds without collateral, often with higher interest rates, for those with urgent expenses. Installment loans allow borrowers to repay in fixed monthly payments over a short term, offering predictability and often requiring a credit check. Title loans use the borrower's vehicle as collateral, providing fast access to cash; however, they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

Regions Bank
3.30
3 reviews

Short-term personal loans are often utilized by individuals who need quick funds to cover unexpected expenses or urgent financial needs. These loans typically have a short repayment period, usually ranging from a few weeks to a few months, and are generally unsecured, meaning no collateral is required. As a result, they often come with higher interest rates compared to other forms of borrowing. The best short-term personal loans are usually those offered by reputable lenders with transparent terms, competitive interest rates, and fast approval processes, allowing borrowers to effectively manage their financial obligations without incurring significant additional costs.

Loan Regulations in Tennessee

Tennessee’s short-term loan regulations have been established to ensure fair lending practices while providing consumers with quick access to cash. The state allows a maximum short-term loan amount of $500. The term of these loans can extend up to 31 days, offering a short-term financial solution for borrowers. When it comes to fees and interest rates, Tennessee permits payday lenders to charge a maximum fee of 15% of the total principal amount. Additionally, there are no restrictions on the annual percentage rates (APRs) that lenders can charge. To qualify for a short-term loan in Tennessee, borrowers generally need to provide proof of income, a valid bank account, and identification. These regulations are designed to balance the immediate financial needs of borrowers with consumer protection.

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, knowing how to effectively use it on essential services can greatly influence your financial planning. Local service providers offer various options where these funds might be allocated to crucial needs like medical bills, car repairs, legal fees, funeral costs, and appliance services. Prioritizing these needs ensures that your loan is used responsibly to meet immediate necessities without derailing your financial stability.

Car Wash
477 Highway 51 South, Ripley, TN 38063
+1 (731) 635-7332
College/University
315 South Washington Street, Ripley, TN 38063
+1 (731) 221-8778
Dentist
192 South Washington Street, Ripley, TN 38063
Doctor
467 Highway 51 South, Ripley, TN 38063
Fitness Club & Center
317 South Washington Street, Ripley, TN 38063
+1 (731) 635-8964
Government Office
148 South Main Street, Ripley, TN 38063
+1 (731) 635-1087
Hotel
Ripley, TN 38063
+1 (731) 612-9208
Library
120 Lafayette Avenue, Ripley, TN 38063
+1 (731) 635-1872
Local Post Office
117 East Jackson Avenue, Ripley, TN 38063
+1 (731) 635-9691
Mobile Phone Shop
780 Highway 51 North, Ripley, TN 38063
+1 (731) 221-4026
Museum
790 Highway 51 North, Ripley, TN 38063
+1 (731) 635-5660
Pharmacy
317 Cleveland Street, Ripley, TN 38063
+1 (731) 635-4545
Rent-a-Car Facility
1214 Highway 51 North, Ripley, TN 38063
+1 (731) 635-7137
Restaurant
330 South Washington Street, Ripley, TN 38063
+1 (731) 597-0168
Shopping Center
E Jackson Ave, Ripley, TN 38063
+1 (731) 612-2900

FAQ

What are short-term loans?

Short-term loans are financial products designed to be repaid relatively quickly, typically ranging from a few weeks to a few months. They are often used to cover unexpected expenses or bridge financial gaps until the next payday.

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

Yes, it's possible to obtain a short-term loan even with bad credit. Many lenders offer products specifically tailored for individuals with less-than-perfect credit scores. However, interest rates might be higher compared to those for individuals with good credit.

What is a same-day loan?

A same-day loan is a type of short-term loan where the application, approval, and funding process are expedited so that the borrower receives the funds on the same day they apply. These loans are useful in urgent financial situations.

Are short-term loans the same as short-term loans?

Short-term loans are a type of short-term loan. They are typically due on the borrower's next payday and are known for their high-interest rates and fees. While all short-term loans are short-term loans, not all short-term loans are short-term loans.

How can I apply for a short-term loan?

You can apply for a short-term loan through various lenders, including banks, credit unions, and online lenders. The application process usually involves submitting personal, financial, and employment information, and it can often be completed online.

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

To qualify for a short-term loan, you generally need to be at least 18 years old, have a steady source of income, be a resident of the country where you're applying, and have a valid bank account. Specific requirements can vary between lenders.

What are the risks associated with short-term loans?

The risks of short-term loans include high-interest rates, potential for debt cycles if not repaid on time, and additional fees and charges. It's essential to understand the terms and ensure you can repay the loan by the due date to avoid financial challenges.

Find Short-term Loans Near Me

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Ripley ZIP Codes

38063