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Best Online Short-term Loans in Rocky Mount

Need quick cash to tackle unexpected expenses? Waiting for the next paycheck can be frustrating. Short-term loans are the perfect lifeline when unexpected hurdles arise. The problem is real; whether it's a sudden car repair or an emergency medical bill, you need solutions fast. That's where our Best Cash Advance Short-term Loans come in! We offer a seamless and hassle-free process to secure the funds you need in a flash. Enjoy peace of mind knowing you’re covered with our tailored financial solutions. Don’t let unforeseen financial bumps disrupt your life—explore our short-term loan options today!

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Best Online Short-term Loans in Rocky Mount

Advance America
Financial institution

Address: 555 Old Franklin Turnpike, Rocky Mount, VA 24151

Phone Number: +1 (540) 482-0215

Allied Cash Advance
Loan agency
4.90
10 reviews

Address: 870 Tanyard Rd Unit 8, Rocky Mount, VA 24151

Phone Number: +1 (540) 484-1071

Services:

Flex loans Line of credit Payday loans Title loans Cash Advances Credit Counseling Online Account Management Registration Loans Short Term Loans
OneMain Financial
Loan agency
3.40
5 reviews

Address: 400 Old Franklin Turnpike #102, Rocky Mount, VA 24151

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

Phone Number: +1 (540) 483-9271

Website: onemainfinancial.com/branches/va/rocky-mount/24151/1627

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loansmoving Loans Family Support Financial Loans Funeral Loans Higher Loan Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Total Finance Unsecured Loan Vacation Loans Wedding Loans
Check Into Cash
Financial institution
3.00
3 reviews

Address: 400 Old Franklin Turnpike Ste106, Rocky Mount, VA 24151

Phone Number: +1 (540) 489-0150

Services:

Business loans Cash for gift cards Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advance Cash Advances Cash Now Check Cashing Services Credit Card Credit Solutions Financial Services Home Loans Loan By Phone Loan Funds Loan Options New Loan Online Lending Online Loan Application Prepaid Card Quick Cash Quick Money Registration Loan Registration Loans Retail Loans Small Loan Term Loans
Farm Credit of the Virginias
Loan agency

Address: 670 Old Franklin Turnpike, Rocky Mount, VA 24151

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

Phone Number: +1 (540) 483-4572

Website: farmcreditofvirginias.com/home.aspx

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Account Management Agricultural Credit Agricultural Finance Agricultural Loan Agricultural Operation Buying Land Community Support Construction Financing Conventional Financing Country Home Loans Crop Insurance Equipment Financing Express Financing Farm Credit Express Farm Improvements Farm Loans Financial Reports Fixed Rate Loans Flexible Financing Options Fund Transfers Health Programs Home Construction Loan Home Financing Home Loans Home Loans Home Loans Realtor Resources Home Renovations Instant Loan Interest Rates & Terms Loan Calculators Interest Rates Financing LFinancing LLoans Loan Program Loans Financing Local Loan Manufactured Housing New Construction New Home Purchase Personal Finance Purchases Or Refinancing Real Estate Improvements Risk Management Secondary Mortgage Short-Term Loans Variable Rate Loan Working Capital
Farm Credit of the Virginias - Melvin Woodson
Loan agency

Address: 670 Old Franklin Turnpike, Rocky Mount, VA 24151

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

Phone Number: +1 (434) 426-8083

Services:

Business loans Construction Loans Farm Loans Home Loans LLoans

Alternatives to Short-term Loans in Rocky Mount

Short-term loans are versatile financial solutions designed to address immediate funding needs. Personal short-term loans are unsecured and provide quick access to funds without collateral, making them suitable for covering unexpected expenses or emergencies. Installment loans, on the other hand, offer a structured repayment plan over a specific period, which can make higher loan amounts manageable through fixed monthly payments. Title loans require the borrower to use their vehicle as collateral, granting lenders security and typically allowing borrowers to secure loans quickly, although failure to repay can result in the loss of the vehicle. Each type serves distinct financial needs, with varying terms and conditions that borrowers should carefully consider before committing.

Best Personal Loan

First Bank & Trust Co. - Rocky Mount
5.00
1 reviews

Personal short-term loans are a popular choice for individuals needing quick access to funds without collateral. They are often unsecured, meaning borrowers don't need to put up any assets as security for the loan. These loans can be an excellent choice for emergencies or unexpected expenses. Many online lenders offer personal loans with varying interest rates and repayment terms, usually between two weeks to a few months. While interest rates may be higher than those on long-term loans, the convenience and speed with which funds can be accessed make personal short-term loans attractive for those who need immediate financial relief.

Loan Regulations in Virginia

Virginia enforces specific regulations for short-term loans to protect consumers and ensure fair lending practices. The state has set a maximum short-term loan amount of $2500 with a minimum four-month term and a maximum 24-month term. The Annual Percentage Rate (APR) for short-term loans in Virginia is capped at 36%, with a maximum loan fee of 20% of the loan amount and a verification fee not exceeding $5. This regulatory framework aims to prevent excessive debt and the cycle of borrowing that can occur with higher-cost loans.

Borrowers in Virginia must meet certain eligibility criteria to qualify for short-term loans, including being at least 18 years old, having a regular source of income, and possessing an active checking account. Lenders are required to provide clear and understandable terms and must ensure borrowers can repay the loan. These regulations are applicable statewide, ensuring that all short-term loan transactions in Virginia are conducted within these guidelines, thereby safeguarding the interests of the borrowers across the state.

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 valuable financial resource for individuals needing immediate support for various local services. Borrowers can utilize funds to cover medical expenses, car repair costs, legal fees, funeral arrangements, or purchasing essential appliances. By addressing these urgent needs, short-term loans provide a buffer to ensure critical services are not disrupted.

Car Wash
125 Powder Creek Lane, Rocky Mount, VA 24151
+1 (276) 632-1000
Club & Association
155 Grassy Hill Road, Rocky Mount, VA 24151
+1 (540) 483-9371
College/University
Rocky Mount, VA 24151
+1 (540) 483-0179
Community Center
235 Technology Drive, Rocky Mount, VA 24151
+1 (540) 489-6264
Dentist
740 Old Franklin Turnpike, Rocky Mount, VA 24151
+1 (540) 489-8191
Doctor
230 South Main Street, Rocky Mount, VA 24151
+1 (540) 489-4541
Fast Food
1775 North Main Street, Rocky Mount, VA 24151
Fitness Club & Center
934 Tanyard Road, Rocky Mount, VA 24151
+1 (540) 238-2034
Government Office
345 Donald Avenue, Rocky Mount, VA 24151
+1 (540) 483-7660
Hospital
390 South Main Street, Rocky Mount, VA 24151
+1 (540) 483-5277
Hotel
395 Old Franklin Turnpike, Rocky Mount, VA 24151
+1 (540) 489-5001
Library
355 Franklin Street, Rocky Mount, VA 24151
+1 (540) 483-3098
Movie Theater
460 Tanyard Road, Rocky Mount, VA 24151
+1 (540) 483-9121
Museum
220 Franklin Street, Rocky Mount, VA 24151
+1 (540) 483-1317
Pharmacy
1165 Franklin Street, Rocky Mount, VA 24151
+1 (540) 489-5404

FAQ

What is a Short-Term Loan?

A short-term loan is a type of financial product designed to help cover unexpected expenses or emergencies. These loans are typically repaid within a few months and can be useful for managing cash flow gaps.

Can I Get a Short-Term Loan with Bad Credit?

Yes, many lenders specialize in offering short-term loans to individuals with bad credit. While higher interest rates may apply, having a poor credit history does not automatically disqualify you from getting a short-term loan.

What are Same-Day Loans?

Same-day loans are a type of short-term loan designed to provide quick access to funds, often on the same day you apply. These loans are convenient for covering urgent financial needs but typically come with higher fees and interest rates.

How Do Short-term Loans Work?

Short-term loans are a specific type of short-term loan that must be repaid with your next paycheck. They are often for small amounts and provide fast cash, but their high interest rates and fees can make them a costly borrowing option.

What are the Requirements for a Short-Term Loan?

Typically, to qualify for a short-term loan, you need to be at least 18 years old, have a regular income, and possess an active checking account. Requirements may vary by lender, so it's important to check their specific criteria.

Are There Alternatives to Short-Term Loans for Bad Credit?

Yes, there are several alternatives to short-term loans for individuals with bad credit, such as personal installment loans, credit union loans, or getting a co-signer. Exploring these options might result in better terms and lower costs.

What Should I Consider Before Taking a Short-Term Loan?

Before taking a short-term loan, consider the interest rates, fees, and repayment terms. Ensure that you can afford the loan and that it meets your financial needs without compromising your ability to pay. Double-check the lender's reputation and understand all terms before signing.

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Rocky Mount ZIP Codes

24151