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Best Online Short-term Loans in Salem

Need quick cash but payday is still days away? You're not alone. Many face sudden expenses that disrupt their budgets. This is where our Best Cash Advance short-term loans come to your rescue, offering fast financial relief when you need it most. With a simple application process and speedy approval, you'll have the funds to tackle unexpected bills or emergencies without the stress. Don't let life's surprises catch you off guard - let our reliable short-term loans empower you to stay in control. Apply today and experience a hassle-free solution tailored for your urgent cash needs!

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Best Online Short-term Loans in Salem

Speedy Payday Loans
Loan agency
4.90
6 reviews

Address: 5201 State St, Salem, OR 97317

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

Phone Number: +1 (503) 386-4039

Website: speedypdl.com/locations/salem-2

Services:

Installment loans Payday loans Signature loans Bad Credit Loans Loans Personal Loans No Credit Check Loans Personalised Service Quick Online Loan Short-Term Loan Unsecured Loans
Cashco Financial Services Inc
Loan agency
4.70
10 reviews

Address: 3076 Lancaster Dr NE, Salem, OR 97305

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

Phone Number: +1 (503) 399-9222

Website: cashcoloan.com

Services:

Installment loans Line of credit Signature loans Credit Reporting Services Personal Finance Personal Loans
United Finance
Loan agency
4.70
15 reviews

Address: 1040 Lancaster Dr SE, Salem, OR 97317

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

Phone Number: +1 (503) 585-6411

Website: unitedfinance.com

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Account Management Auto Finance Auto Loan Refinancing Auto Loans Auto Repairs Automobile Financing Automobile Loans Bad Credit Loans Bill Consolidation Loan Consumer Finance Consumer Loans Credit Card Debt Debt Consolidation Finance Calculator Finance Loan Finance Management Finance Reports Financial Education High Yield Certificates Home Improvement Loans Home Personal Loans Industrial Loan Investment Services Loan Refinancing Loan Signing Loan Specialist Local Loan Medical Expenses Motorcycle Loan New Car No Credit Check Loans Online Bill Payment Other Personal Loans Personal Loans Quick Loan Rebuild Credit Recreational Vehicle Retail Sales Financing Retirement Plan Same Day Funding Same Day Loan Traditional Loans Used Auto Used Auto Loan Used Car Loan Used Cars Used Vehicle Vehicle Financing
ACE Cash Express
Loan agency
4.30
22 reviews

Address: 1131 Lancaster Dr NE, Salem, OR 97301

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

Phone Number: +1 (503) 370-4466

Website: acecashexpress.com/locations/oregon/salem/3192

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 ACE Flare ACE Elite Money Orders Tax Services Business Services
Reliable Credit Association Inc.
Loan agency
1.60
3 reviews

Address: 2157 Lancaster Dr NE, Salem, OR 97305

Today's Business Hours: 8:30 AM - 5:30 PM

Phone Number: +1 (503) 385-4480

Website: reliablecredit.com

Services:

Business loans Signature loans Title loans Consumer Loans Dealer Services Debt Consolidation Direct Loans Home Improvements Interest Rate Loans Loan Insurance Recreational Vehicles Vehicle Financing Vehicle Repairs

Alternatives to Short-term Loans in Salem

Short-term loans are a quick financial solution designed to be repaid within a short period, usually under a year. Personal loans are unsecured and can be used for various purposes, offering flexibility in terms of use but typically involving higher interest rates due to the lack of collateral. Installment loans provide borrowers with a fixed sum of money that is repaid over a set number of scheduled payments, offering predictability and structure in repayment terms. Title loans require the borrower to offer their vehicle title as collateral, allowing access to fast cash but with the risk of losing the vehicle if the loan terms are not met. Each type of short-term loan comes with its unique advantages and risks, catering to different financial needs and circumstances.

Best Personal Loan

Mike Gillett Home Loans, NMLS# 362285 - Geneva Financial, LLC
5.00
10 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.

Best Car Title Loan

Montana Capital Car Title Loans
5.00
7 reviews

Title loans offer a unique solution for individuals needing quick cash by using their vehicle's title as collateral. This type of loan is attractive for those who may not qualify for traditional credit-based lending due to a low credit score. The best title loan provides a substantial percentage of the vehicle's value as loan funds and comes with a transparent fee structure and a manageable repayment plan. It offers an avenue for borrowers to access money quickly without selling their car, albeit with the risk of losing the vehicle if the loan is not repaid.

Loan Regulations in Oregon

Oregon has established state-wide regulations for short-term loans to safeguard borrowers and ensure fair lending practices. The maximum loan amount a borrower can take out is $50,000, provided the amount does not exceed 25% of the borrower's net monthly income if they earn $60,000 per year or less. Short-term loan terms must be at least 31 days, with the law capping the maximum APR (Annual Percentage Rate) on a short-term loan at 36%. In addition to this, lenders can charge an origination fee once per loan, and these fees are also regulated.

Borrowers must be residents of Oregon and provide proof of income to establish eligibility for a short-term loan. Furthermore, rollovers are prohibited, and borrowers cannot have more than one outstanding short-term loan at a time.

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

For individuals who have taken out a short-term loan, several essential local services where these funds could be applied include medical care, car repair, legal assistance, funeral arrangements, and appliance servicing. Such financial support can help cover unexpected expenses related to healthcare, vehicle maintenance, legal fees, burial services, and household appliance repairs.

Car Glass Replacement Shop
1365 Broadway Street Northeast, Salem, OR 97301
+1 (503) 917-3889
Car Wash
4700 Salem Dallas Highway Northwest, Salem, OR 97304
+1 (415) 827-9274
Club & Association
1625 Brush College Road Northwest, Salem, OR 97304
+1 (503) 378-9083
College/University
670 Hawthorne Avenue Southeast, Salem, OR 97301
+1 (503) 364-5695
Community Center
2615 Portland Road Northeast, Salem, OR 97301
+1 (503) 588-6303
Concert Hall
4000 Lancaster Drive Northeast, Salem, OR 97305
+1 (541) 484-4868
Dentist
3468 Liberty Road South, Salem, OR 97302
+1 (503) 364-7776
Do-It-Yourself Centers
3795 Hagers Grove Road Southeast, Salem, OR 97317
+1 (503) 581-9688
Doctor
1330 Commercial Street Southeast, Salem, OR 97302
Fitness Club & Center
4555 Liberty Road South, Salem, OR 97302
+1 (503) 991-5053
Hospital
890 Oak St Se, Salem, OR 97301
+1 (503) 561-5200
Hotel
3535 Fisher Road Northeast, Salem, OR 97305
Library
395 Glen Creek Road Northwest, Salem, OR 97304
+1 (503) 588-6301
Mexican Restaurant
2800 Pringle Road Southeast, Salem, OR 97302
Movie Theater
1127 Broadway Street Northeast, Salem, OR 97301
+1 (503) 378-7676

FAQ

What is a short-term loan?

A short-term loan is a type of loan designed to be repaid over a short period, typically within a few months. These loans are often used to cover immediate financial needs and are available in smaller amounts compared to traditional loans.

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

Yes, many lenders offer short-term loans to individuals with bad credit. While a poor credit score may limit your options, some lenders specialize in providing loans to those with less-than-perfect credit histories.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive the loan amount on the same day they apply. These loans are particularly useful in emergency situations where quick access to funds is necessary.

How do short-term loans work?

Short-term loans are short-term, small-dollar loans that are typically due on your next payday. They are intended to cover urgent expenses and are often a popular choice for borrowers needing quick access to cash. However, they usually come with high fees or interest rates.

What is the typical amount I can borrow with a short-term loan?

With short-term loans, you can typically borrow amounts ranging from a few hundred to a few thousand dollars. The exact amount depends on the lender and your financial situation.

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

Yes, alternatives include credit unions, personal installment loans, and peer-to-peer lending platforms. These may offer more favorable terms and lower interest rates compared to traditional short-term loans.

What should I consider before applying for a short-term loan?

Before applying, consider the interest rates, repayment terms, and any additional fees. Ensure the loan is affordable and that you have a plan to repay it on time to avoid additional debt or financial strain.

Find Short-term Loans Near Me

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Salem ZIP Codes

97301
97302
97303
97304
97305
97306
97308
97309
97310
97311
97312
97314
97317