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Best Online Short-term Loans in Santa Rosa

Struggling with unexpected expenses? Life's surprise bills can throw anyone off balance. That’s where our Best Cash Advance Short-term Loans come in handy. As an ideal solution for those urgent financial needs, our loans offer quick, hassle-free cash access—exactly when you need it. Don’t let temporary money troubles stress you out any longer. With our easy application process and rapid approval, you’ll have funds in no time. Go from overwhelmed to relieved with our reliable short-term loan solutions. Get back on track today!

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Best Online Short-term Loans in Santa Rosa

Oportun
Loan agency
5.00
10 reviews

Address: 711 Stony Point Rd, Santa Rosa, CA 95407

Today's Business Hours: 11:00 AM - 6:30 PM

Phone Number: +1 (707) 200-6940

Website: oportun.com/locations/santa-rosa-95407-403

Services:

Installment loans Online Personal Loans Roof Repair Savings Accounts Simple Loan Traditional Loan
Westwater Financial, Inc.
Financial institution
5.00
1 reviews

Address: 55A St James Dr, Santa Rosa, CA 95403

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

Phone Number: +1 (707) 419-3070

Website: westwaterfinancial.org

Services:

Financial Empowerment
Check `n Go
Loan agency
4.80
10 reviews

Address: 1331 Guerneville Rd p, Santa Rosa, CA 95403

Phone Number: +1 (707) 525-8300

Check Center
Loan agency
4.60
10 reviews

Address: 1880 Mendocino Ave F, Santa Rosa, CA 95401

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (707) 568-6070

Website: checkcenters.com

Services:

Business check cashing Cash for gift cards Line of credit Money orders Money transfers Payday loans Payroll check cashing Personal check cashing Signature loans Student loan check cashing Tax refund check cashing Auto Equity Loan Auto Finance Credit Card Payments Debit cards Financial Services Id Verification Identity Verification Loan Calculator Prepaid Cards Prepaid Visa Short Term Loans Visa Debit Cards
Apoyo Financiero Santa Rosa
Loan agency
3.00
1 reviews

Address: 443 Dutton Ave #3, Santa Rosa, CA 95407

Today's Business Hours: 9:30 AM - 6:30 PM

Phone Number: +1 (707) 202-6222

Website: apoyo-financiero.com

Western Payday
Check cash

Address: 3585 Industrial Dr, Santa Rosa, CA 95403

Today's Business Hours: 11:00 AM - 6:00 PM

Phone Number: +1 (844) 514-1124

Website: wpdloans.com

Services:

Payday loans Cash Advance Short Term Loans
American AgCredit
Loan agency

Address: 400 Aviation Blvd #100, Santa Rosa, CA 95403

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

Phone Number: +1 (707) 545-7100

Website: agloan.com

ICCI Innovative Capital Concepts Inc.
Loan agency

Address: 200 4th St, Santa Rosa, CA 95401

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

Phone Number: +1 (707) 921-2425

Alternatives to Short-term Loans in Santa Rosa

Short-term loans are financial solutions designed to provide quick funding to individuals in need. Personal short-term loans are unsecured loans that can be used for various purposes, often featuring higher interest rates and shorter repayment periods. Installment loans require borrowers to repay the borrowed amount plus interest through scheduled payments over a set period, making them a more manageable option for those who need some time to pay back the loan. Title loans, on the other hand, use the borrower's vehicle title as collateral and typically come with high interest rates and the risk of losing the vehicle if the loan isn't repaid. Each type serves different financial needs and circumstances, catering to those who may face cash flow challenges or unexpected expenses.

Best Personal Loan

Guaranteed Rate Mortgage Jennifer Beeston
5.00
42 reviews

Personal loans are a popular type of short-term borrowing option typically used for consolidating debt, covering emergency expenses, or financing major purchases. These loans are unsecured, meaning they don't require collateral, and are offered by banks, credit unions, and online lenders. The best personal loans often come with competitive interest rates, flexible repayment terms, and no additional fees, making them suitable for individuals looking to borrow smaller amounts with manageable repayment plans.

Best Installment Loan

Community First Credit Union
4.80
10 reviews

Installment loans are another popular form of short-term borrowing. These loans are known for their structured repayment plans, where borrowers pay back the money in equal, regular installments over a predetermined period. This predictability helps borrowers budget effectively, ensuring that they can manage their finances without the stress of fluctuating payments. Although some installment loans may come with higher interest rates, they remain a convenient option, especially for individuals requiring a lump sum for crucial expenditures and prefer having a clear timeline for repayment.

Best Car Title Loan

Reverse Mortgage Funding LLC - David Carter
5.00
8 reviews

Title loans are secured short-term loans where the borrower uses their vehicle title as collateral. These loans generally allow individuals to borrow money based on the vehicle's appraised value. The best title loan option would be one that offers a reasonable interest rate and allows the borrower to retain possession and use of their vehicle during the loan term. It is essential that the lender does not employ aggressive collection practices and provides clear communication on terms and conditions regarding repossession if the loan is not repaid on time.

Loan Regulations in California

Navigating the world of short-term loans, installment loans or car title loans in California requires a solid understanding of regulations. Borrowers can only loan up to $300 with a maximum fee of 15% of the loan amount. These loans have a maximum term of 31 days but no minimum duration. Rollovers aren't permitted, and there's a mandatory cooling-off period between loans. For those considering bridge loans or online short-term loans, staying updated with state-wide regulations is crucial.

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 someone has already taken out a short-term loan, they can utilize the funds across various local services, including medical, car repair, legal, funeral, and appliance services. Medical expenses can be addressed promptly with the loan, ensuring immediate access to necessary treatments or medications. Similarly, unexpected car repairs, legal fees, and appliance services can be managed effectively, while also providing essential support for funeral costs, which can often be a substantial financial burden.

Car Accessories
1275 Santa Rosa Avenue, Santa Rosa, CA 95404
+1 (800) 788-0127
Car Wash
458 West College Avenue, Santa Rosa, CA 95401
+1 (707) 527-1266
Club & Association
4909 Hoen Avenue, Santa Rosa, CA 95405
+1 (707) 539-6355
Concert Hall
427 Mendocino Avenue, Santa Rosa, CA 95401
Doctor
1701 4th Street, Santa Rosa, CA 95404
+1 (707) 578-7530
Fitness Club & Center
640 3rd Street, Santa Rosa, CA 95404
+1 (707) 539-2000
Government Office
45 Stony Point Road, Santa Rosa, CA 95401
+1 (707) 543-3333
Hospital
2301 Circadian Way, Santa Rosa, CA 95407
+1 (707) 541-3410
Hotel
3675 Santa Rosa Avenue, Santa Rosa, CA 95407
+1 (707) 595-3261
Library
150 Coddingtown Center, Santa Rosa, CA 95401
+1 (707) 546-2265
Movie Theater
620 3rd Street, Santa Rosa, CA 95404
+1 (707) 525-8909
Museum
2nd Street, Santa Rosa, CA 95404
Pharmacy
751 Lombardi Court, Santa Rosa, CA 95407
+1 (707) 583-8770
Post Office
2665 Santa Rosa Avenue, Santa Rosa, CA 95407
+1 (707) 546-2587
Rent-a-Car Facility
976 Santa Rosa Avenue, Santa Rosa, CA 95404
+1 (707) 528-2964

FAQ

What is a short-term loan?

A short-term loan is a type of credit that is typically repaid over a short period, often ranging from a few weeks to a few months. These loans are designed to provide quick financial relief and are often used for emergencies or unexpected expenses. Short-term loans can include short-term loans, same-day loans, and other similar credit options.

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

Yes, some lenders are willing to provide short-term loans to individuals with bad credit. These lenders focus on other factors such as income and employment status rather than just your credit score. However, be aware that loans for individuals with bad credit may come with higher interest rates.

What is the difference between a short-term loan and a same-day loan?

Short-term loans are a type of short-term loan that is typically due on your next payday. These loans often have high interest rates and fees. Same-day loans are similar in that they are designed for short-term financial needs, but the key feature is that they can be approved and disbursed on the same day, offering quick access to funds.

How much can I borrow with a short-term loan?

The amount you can borrow with a short-term loan varies depending on the lender and your financial situation. Typically, these loans range from a few hundred dollars to a few thousand dollars. Always borrow only what you need and can afford to repay to avoid financial strain.

What are the risks associated with short-term loans?

Short-term loans come with several risks, including high interest rates and fees. Failing to repay on time can lead to additional charges and negatively impact your credit score. It's important to carefully consider your ability to repay the loan before applying.

How quickly can I receive funds from a short-term loan?

One of the primary benefits of short-term loans is their fast disbursement. Many lenders offer same-day or next-day funding if the application is approved. The exact timing depends on the lender and your bank's processing times.

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

Yes, there are alternatives to short-term loans for those with bad credit. Consider borrowing from friends or family, negotiating a payment plan with creditors, or seeking assistance from a local community or charitable organization. Additionally, some lenders offer installment loans with longer repayment terms, which may be more manageable.

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Santa Rosa ZIP Codes

95401
95402
95403
95404
95405
95406
95407
95409
95472