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Best Online Short-term Loans in South Bend

Need quick cash to cover unexpected expenses? Short-term loans can be your lifesaver! You're not alone when emergencies pop up and your paycheck isn't enough to cover them. This is where our Best Cash Advance Short-term Loans step in to offer a fast and easy solution to your financial challenges. Avoid the stress of financial shortfalls and get the money you need quickly. With our straightforward process, securing a short-term loan has never been easier. Rely on us for the peace of mind and financial flexibility you deserve!

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Best Online Short-term Loans in South Bend

Advance America
Financial institution
5.00
10 reviews

Address: 3520 N Bendix Dr Ste. A, South Bend, IN 46628

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

Phone Number: +1 (574) 243-5598

Website: advanceamerica.net/store-locations/indiana/3520-n-bendix-drive-ste-a-south-bend-46628

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Auto Repair Loans Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debt Management Dollar Loans Easy Cash Loans Electronic Bank Emergency Loans Existing Loan Expanded Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans Money Orders Money Transfer Service Money Transfers Netspend® Visa® Prepaid Card New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinance My Loan Repayment Plan Security Online Account Authentication Fraud Prevention Short Term Loan Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Small Personal Loan Term Lending Terms Finance Unsecured Loans
Hope Forest Working Capital Loans
Loan agency
5.00
1 reviews

Address: 613 N Scott St, South Bend, IN 46601

Today's Business Hours: 8:00 AM - 7:00 PM

Phone Number: +1 (574) 319-7193

Services:

Business loans Payday loans Signature loans Merchant Cash Advance Small Business Loans Unsecured Loans Working Capital Loans
Worldwide Jewelry & Pawn
Financial institution
3.70
10 reviews

Address: 1072 Lincoln Way E, South Bend, IN 46601

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

Phone Number: +1 (574) 232-9909

Website: wwjpawn.com

Services:

Microloans Payday loans
CheckSmart
Loan agency
3.30
5 reviews

Address: 1331 Portage Ave, South Bend, IN 46616

Today's Business Hours: 8:00 AM - 7:00 PM

Phone Number: +1 (574) 289-6647

Website: ccfi.com/checksmart

Services:

Business check cashing Business loans Business tax preparation Cash for gift cards Flex loans Installment loans Payday loans Signature loans Title loans Express Loan Notary Services Online Apply Prepaid Cards Tax Services Western Union
TCU
Credit union
2.80
4 reviews

Address: 735 Lincoln Way W, South Bend, IN 46601

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

Phone Number: +1 (574) 233-7335

Website: tcunet.com

Services:

Become a Member Business Banking Personal Banking
La Salle Park Homes Inc
Loan agency
2.70
3 reviews

Address: 102 S Falcon St, South Bend, IN 46619

Today's Business Hours: 9:00 AM - 4:00 PM

Phone Number: +1 (574) 233-5119

Freeman Spicer Services Finance
Loan agency

Address: 316 S Eddy St, South Bend, IN 46617

Today's Business Hours: 10:00 AM - 5:00 PM

Phone Number: +1 (574) 234-0069

Website: freeman-spicer.com

Services:

Business loans Construction Equipment Financing Equipment Financing
JIFFI
Loan agency

Address: 803 Lincoln Way W, South Bend, IN 46616

Phone Number: +1 (574) 400-5258

Alternatives to Short-term Loans in South Bend

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

Policemen's Federal Credit Union
5.00
8 reviews

Short-term loans serve various immediate financial needs, and personal loans are one of the most versatile options available. Best suited for individuals needing quick access to funds without providing collateral, personal loans often come with a straightforward application process. They are typically unsecured, which means you don't need to offer any assets as security, making them an attractive choice for borrowers with a good credit history. The repayment period can range from a few months to a couple of years, offering flexibility depending on the lender's terms.

Best Car Title Loan

5 Star Car Title Loans
5.00
10 reviews

Title loans offer a quick way to access cash using a vehicle title as collateral. They are known for their fast approval process, often providing funds within the same day of application. However, these loans come with high interest rates and the risk of losing the vehicle if the loan is not repaid on time. Title loans are best considered as a last resort when other more affordable borrowing options have been exhausted, and the borrower is confident in their ability to repay the loan promptly.

Loan Regulations in Indiana

In Indiana, short-term loan regulations are designed to balance accessibility with borrower protection. The state allows a maximum short-term loan amount of $550, which should not exceed 20% of the borrower’s monthly gross income. The loan terms are somewhat flexible, ranging from 14 days to a maximum of 31 days. When it comes to fees and interest rates, lenders in Indiana are permitted to charge 15% for the first $250 of a loan, 13% for amounts between $251 and $400, and 10% for amounts between $401 and $550. This tiered fee structure is unique to Indiana, making it important for borrowers to understand how much they will be charged based on the loan amount.

Eligibility criteria for obtaining a short-term loan in Indiana are standard; applicants must be at least 18 years old, have a steady source of income, and possess a valid bank account. Additional requirements might vary between lenders.

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, it can be used across various local service providers to address urgent needs. This financial assistance can cover medical expenses, car repairs, legal fees, funeral costs, and appliance services. Utilizing these local resources ensures timely support for essential services when immediate funds are necessary.

Bodyshop
1824 Franklin Street, South Bend, IN 46613
+1 (574) 289-2493
Car Wash
1502 South Michigan Street, South Bend, IN 46613
+1 (574) 404-4917
Club & Association
501 West South Street, South Bend, IN 46601
+1 (574) 235-9988
College/University
3454 Douglas Rd, South Bend, IN 46635
+1 (574) 243-7845
Community Center
604 East Jefferson Boulevard, South Bend, IN 46617
+1 (574) 235-9428
Dentist
1637 Portage Avenue, South Bend, IN 46616
+1 (574) 233-8444
Government Office
301 South Saint Louis Boulevard, South Bend, IN 46617
+1 (574) 235-9355
Hospital
615 North Michigan Street, South Bend, IN 46616
+1 (574) 647-1000
Hotel
111 North Main Street, South Bend, IN 46601
+1 (574) 288-8000
Library
1825 Northside Boulevard, South Bend, IN 46615
+1 (574) 235-8180
Local Post Office
150 South Olive Street, South Bend, IN 46619
+1 (800) 275-8777
Movie Theater
450 West Chippewa Avenue, South Bend, IN 46614
+1 (574) 299-6063
Museum
111 Doctor Martin Luther King Junior Boulevard South, South Bend, IN 46601
+1 (574) 235-9999
Pharmacy
211 North Eddy Street, South Bend, IN 46617
+1 (574) 237-9217
Real Estate Agent
1112 South 20th Street, South Bend, IN 46615
+1 (574) 232-8672

FAQ

What is a Short-Term Loan?

A short-term loan is a type of borrowing option with a relatively brief repayment period, typically ranging from a few weeks to a few months. These loans are designed to be quick and accessible for individuals who need immediate financial assistance for emergencies or unexpected expenses.

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

Yes, it is possible to get a short-term loan with bad credit. Many lenders specialize in providing loans to individuals with less-than-perfect credit scores. However, it is important to note that the interest rates may be higher compared to those offered to individuals with better credit scores, as lenders perceive a higher risk.

What Are Same-Day Loans?

Same-day loans refer to short-term loans that are processed quickly, often within a single day. These loans are ideal for urgent financial needs as they promise speedy application, approval, and fund disbursement processes. However, availability may vary based on the lender's policies and cutoff times.

How Do Short-term Loans Work?

Short-term loans are a form of short-term loan intended to be repaid on the borrower's next payday. Typically, the loan amount is small, and the repayment is expected in one lump sum, including fees and interest. Borrowers should carefully consider the terms, as these loans often come with high interest rates and charges.

What Do I Need 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 valid ID, a steady source of income, and an active bank account. Some lenders may have additional requirements, so it is advisable to check their guidelines before applying.

How Can I Apply for a Short-Term Loan?

You can apply for a short-term loan online or in person through a lender. The process usually involves filling out an application form, providing personal details, and sometimes, documentation for income verification. Once submitted, the lender reviews your application and decides on approval based on their criteria.

What Are the Risks of Taking a Short-Term Loan?

Short-term loans can be helpful, but they come with risks such as high interest rates and fees. Borrowers may get trapped in a cycle of debt if they cannot repay on time. Understanding the terms of the loan, planning for repayment, and considering alternatives when possible can help mitigate these risks.

Find Short-term Loans Near Me

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South Bend ZIP Codes

46556
46601
46604
46613
46614
46615
46616
46617
46619
46620
46624
46626
46628
46634
46635
46637
46660
46680
46699