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Best Online Short-term Loans in Spartanburg

Stuck in a financial bind and need cash fast? You're not alone. Many people face sudden expenses that just can't wait, leaving them stressed and overwhelmed. This is where short-term loans step in to save the day. With our Best Cash Advance Short-term Loans, you get quick, hassle-free access to the funds you need, right when you need them. Don't let unexpected bills or emergencies throw you off course. Choose a service that's designed to offer relief with transparent terms and a smooth process. Experience financial peace of mind today!

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Best Online Short-term Loans in Spartanburg

Fast Cash Loans of SC, Inc.
Loan agency
5.00
15 reviews

Address: 1519 Asheville Hwy, Spartanburg, SC 29303

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

Phone Number: +1 (864) 577-0021

Website: kinsmithloans.com

Services:

Installment loans Signature loans Car Repairs Consumer Lending Current Loan Loan Origination Personal Loans Senior Loan Simple Loan Small Loan
Community Credit
Loan agency
5.00
3 reviews

Address: 104-B Garner Rd, Spartanburg, SC 29303

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

Phone Number: +1 (864) 585-3360

Website: mycommunitycredit.com/location/personal-loans-spartanburg-sc

Services:

Installment loans Signature loans Auto Repairs Build Credit Existing Loan Hard Money Lender Loan Finance Loan Payments Loan Program Loans Personal Loans Loans for Poor / No Credit Payment Plans Personal Loans Repayment Plans Small Loans Small Personal Loans Starter Loans
CashWell
Loan agency

Address: 791 E Main St, Spartanburg, SC 29302

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

Phone Number: +1 (866) 952-2744

American Capital Funds Group LLC
Financial institution
5.00
1 reviews

Address: 364 South Pine Street Suite A 201, Spartanburg, SC 29302

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

Phone Number: +1 (864) 580-6475

Website: americancapitalfunds.com

World Finance
Loan agency
4.90
17 reviews

Address: 544 N Church St Ste A & B, Spartanburg, SC 29303

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

Phone Number: +1 (864) 585-0168

Website: loansbyworld.com/locations/south-carolina/spartanburg/29303/347

Fast Cash Loans of SC, Inc.
Loan agency
4.90
11 reviews

Address: 1944 E Main St Ste C, Spartanburg, SC 29307

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

Phone Number: +1 (864) 577-0601

Website: kinsmithloans.com

Services:

Installment loans Signature loans Car Repairs Consumer Lending Current Loan Loan Origination Personal Loans Senior Loan Simple Loan Small Loan
World Finance
Loan agency
4.90
10 reviews

Address: 2500 Winchester Pl Suite 106, Spartanburg, SC 29301

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

Phone Number: +1 (864) 754-4344

Website: loansbyworld.com/locations/south-carolina/spartanburg/29301/238

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
Check `n Go
Loan agency
4.90
13 reviews

Address: 2510 Boiling Springs Rd C, Spartanburg, SC 29316

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

Phone Number: +1 (864) 814-3990

Website: locations.checkngo.com/south-carolina/spartanburg/2510-boiling-springs-road

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Cash Advances Cashier's Checks Check Cashing Checking Account Credit Counseling Credit Reporting Financial Solution Flexible Options Loan Applications Loan Repayment Loans Originated Money Funds New Loan Paying Bills Personal Checks Refinance My Loan Retail Loans Tax Returns Unsecured Personal Loans
AmeriCash Loans
Loan agency
4.90
10 reviews

Address: 1944 E Main St, Spartanburg, SC 29307

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

Phone Number: +1 (864) 583-5666

Website: americashloans.net/locations/south-carolina/spartanburg

Services:

Installment loans Payday loans Title loans Auto Repairs Car Repairs Easy Loans Home Improvements Home Repairs Loan Applications Location Plan Quick Cash Loans Short-Term Loans Student Loans Tax Preparation Tax Returns
KeyStone Financial
Loan agency
4.90
10 reviews

Address: 227 E Blackstock Rd #100, Spartanburg, SC 29301

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

Phone Number: +1 (864) 586-2999

Website: keycashloans.com

Advance America
Financial institution
4.90
10 reviews

Address: 1735 John B White Sr Blvd Ste. 10, Spartanburg, SC 29301

Phone Number: +1 (864) 574-7812

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 12 Months Loan 14 Days Loan Auto Repair Loans Bank Transfers 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 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 Term Lending Terms Finance Typical Loans Unsecured Loans
World Finance
Loan agency
4.90
10 reviews

Address: 159 S Pine St Ste C, Spartanburg, SC 29302

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

Phone Number: +1 (864) 585-3461

Website: loansbyworld.com/locations/south-carolina/spartanburg/29302/300

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
Approved Cash
Loan agency
4.70
10 reviews

Address: 1458 Asheville Hwy, Spartanburg, SC 29303

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

Phone Number: +1 (864) 582-9112

Website: approvedcashadvance.com/locations/spartanburg

Services:

Business check cashing Business loans Installment loans Payday loans Signature loans Title loans Cash Advance Check Cashing Financial Services Home Loan Loan New Loan Payday Loan Small Loan
1st Franklin Financial
Loan agency
4.70
10 reviews

Address: 1735 John B White Sr Blvd Suite 11, Spartanburg, SC 29301

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

Phone Number: +1 (864) 587-1021

Website: locations.1ffc.com/sc/spartanburg/1735-john-b-white-sr-blvd.html

Services:

Installment loans Signature loans Financial Loan Fixed Rates Loans Military Lending Personal Loans Premier Loan Premier Loans Residential Mortgage Retail Sales Financing Sales Financing
Quick Credit
Loan agency
4.40
10 reviews

Address: 1000 N Pine St Suite 40, Spartanburg, SC 29303

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

Phone Number: +1 (864) 583-3656

Website: heightsfinance.com/loan-office-location/fast-loans-spartanburg-south-carolina

Services:

Line of credit Signature loans Auto Repairs Credit Insurance Personal Loans
Money Tree Check Cashing
Check cash
4.00
1 reviews

Address: 780 John B White Sr Blvd, Spartanburg, SC 29306

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

Phone Number: +1 (864) 595-0955

Website: moneytreeinc.com

Check Into Cash
Financial institution
4.00
10 reviews

Address: 1948 E Main St, Spartanburg, SC 29307

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

Phone Number: +1 (864) 582-1220

Website: local.checkintocash.com/us/sc/spartanburg/1948-e-main-street

Services:

Cash Advance Check Cashing Services Financial Services Home Loans In Store Cash Loans Loan By Phone Loan Funds New Loan Online Lending Online Loan Application Quick Cash Quick Money Registration Loan Retail Loans Small Loan Term Loans
Spero Financial
Credit union
3.60
10 reviews

Address: 130 N Town Dr #2070, Spartanburg, SC 29303

Today's Business Hours: 8:30 AM - 5:00 PM

Phone Number: +1 (800) 922-0446

Website: spero.financial

AgSouth Farm Credit
Loan agency

Address: 101 N Town Dr, Spartanburg, SC 29303

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

Phone Number: +1 (864) 585-0344

Website: agsouthfc.com/locations/south-carolina-branches/spartanburg.aspx

Services:

Business loans Financing Flex loans Installment loans Microloans Payday loans Signature loans Agricultural Financial Agriculture loan Built Home Buy A Home C2P Loan Construction to Permanent Loan Conventional Home Loans Conventional Loans Conventional Mortgage Conventional Mortgage Programs Crop Insurance Custom Built Direct Loans During Construction Equipment Leasing Equipment Loans Farm Credit Express Farm Equipment Leasing Farm Equipment Loans Farm LLoans Farm Operation Farm loan Financial Education Financial Planning Financial Reports Financial Services Financial Training Home And Construction Loans Home Buying Home Construction Loans Home Improvements Home Loan Home Mortgage Home Mortgages Home Refinancing Housing Lender Insurance Plans Investment Properties LConsultant LImprovements LLoan LLoan Calculator LSales Leasing Lending Money Life Insurance Loan Payment Calculator Lot Loans Mortgage Insurance Mortgage Loans Mortgage Payment Mortgage Programs Mortgages for Homes with Acreage New Farm Patronage Program Portfolio Loan Private Insurance Private Mortgage Property Insurance Purchase A Home Purchase Or Refinance Refinance A House Refinance Your Existing Loan Refinance Your Home Loan Repayment Plans Rural Home Loan Rural Homes Special Loan Programs Tax Returns Taxes & Insurance
Money Tree Check Cashing
Check cash
3.50
10 reviews

Address: 584 N Church St, Spartanburg, SC 29303

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

Phone Number: +1 (864) 582-3784

Website: moneytreeinc.com/services/check-cashing

Financial Trust Inc
Loan agency
3.00
4 reviews

Address: 1600 John B White Sr Blvd #1005, Spartanburg, SC 29301

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

Phone Number: +1 (864) 583-9845

American Credit Acceptance
Financial institution
1.60
119 reviews

Address: 961 E Main St, Spartanburg, SC 29302

Today's Business Hours: 8:00 AM - 12:00 AM

Phone Number: +1 (866) 441-0251

Website: americancreditacceptance.com

Services:

Auto Finance Line Of Credit
Fast Check Loans of Sc Inc
Loan agency

Address: 1481 Asheville Hwy, Spartanburg, SC 29303

Today's Business Hours: 10:00 AM - 5:30 PM

Phone Number: +1 (864) 577-0021

Cash Well Consumer Loans
Loan agency

Address: 300 E Blackstock Rd Ste D, Spartanburg, SC 29301

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

Phone Number: +1 (864) 576-2747

Alternatives to Short-term Loans in Spartanburg

Short-term loans are diverse financial products designed to meet immediate cash needs. Personal loans are unsecured, typically based on creditworthiness, and offer quick access to funds with flexible terms. Installment loans, another form of short-term borrowing, allow borrowers to repay the loan amount over a set period through scheduled payments, making them ideal for managing larger, unforeseen expenses. Title loans, often used by individuals with less favorable credit, require the borrower to use their vehicle title as collateral, providing quick cash but with the risk of losing the vehicle if the loan is not repaid. Each type has unique benefits and risks, catering to the varied needs of borrowers facing short-term financial challenges.

Best Personal Loan

Kinsmith Finance
5.00
43 reviews

Short-term loans are a versatile solution for individuals needing quick access to cash. Interest rates and fees can vary, so finding the best option tailored to specific needs is crucial. For personal loans, some lenders offer low-interest, no-collateral options where borrowers can apply for amounts based on their creditworthiness. With an efficient application and approval process, these loans can be ideal for unexpected expenses or financial emergencies requiring immediate attention.

Best Installment Loan

Credit Central
3.90
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

TitleMax Title Secured Loans
5.00
26 reviews

Title loans are a popular choice among those who can use their car as collateral to obtain funds. These loans enable individuals to leverage their vehicle's value to access quick cash, typically within a short borrowing period. The best title loans are those with transparent terms, reasonable interest rates, and a clear process for evaluating the vehicle's worth. Borrowers should be aware that defaulting on a title loan can result in the loss of their vehicle, so it is paramount to ensure that repayment terms align with their financial situation. Despite this risk, title loans can provide a viable solution for immediate financial needs due to their speedy approval process.

Loan Regulations in South Carolina

In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.

The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.

Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.

These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.

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

Once a short-term loan has been secured, it can be utilized to cover essential expenses from various local service providers, ensuring the swift resolution of urgent needs. For instance, these funds can address medical bills, offer financial relief for necessary legal services, or facilitate car repairs. Additionally, the loan can be allocated towards urgent funeral costs or essential appliance repairs, providing much-needed support in times of immediate financial pressure.

Bodyshop
8180 Valley Falls Road, Spartanburg, SC 29303
+1 (864) 357-8043
Car Wash
1455 W.O. Ezell Boulevard, Spartanburg, SC 29301
+1 (864) 574-6140
Club & Association
850 Brisack Road, Spartanburg, SC 29303
+1 (864) 592-4696
College/University
Brisack Rd, Spartanburg, SC 29303
+1 (864) 592-4800
Community Center
393 East Main Street, Spartanburg, SC 29302
+1 (864) 585-1999
Concert Hall
385 North Church Street, Spartanburg, SC 29303
+1 (864) 582-8107
Dentist
456 Patillo Court, Spartanburg, SC 29302
+1 (864) 582-1415
Fitness Club & Center
330 Tenosha Drive, Spartanburg, SC 29303
+1 (864) 345-3589
Government Office
145 West Broad Street, Spartanburg, SC 29306
+1 (864) 596-2049
Hospital
101 East Wood Street, Spartanburg, SC 29303
+1 (864) 560-6000
Hotel
299 North Church Street, Spartanburg, SC 29306
+1 (864) 596-1211
Movie Theater
1985 East Main Street, Spartanburg, SC 29307
+1 (864) 764-1315
Museum
East Saint John Street, Spartanburg, SC 29302
Pharmacy
111 Corporate Drive, Spartanburg, SC 29303
+1 (864) 578-8788
Pizzeria
187 North Church Street, Spartanburg, SC 29306

FAQ

What is a Short-Term Loan?

A short-term loan is a financial product designed to provide quick cash to borrowers who need to address urgent expenses. These loans are generally repaid within a short period, typically ranging from a few weeks to a few months.

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

Yes, many lenders offer short-term loans for borrowers with bad credit. These lenders tend to focus on your ability to repay the loan rather than your credit score, making it possible for individuals with poor credit histories to access the funds they need.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan designed to provide borrowers with fast access to funds. These loans are typically processed quickly, allowing you to receive the money within the same day that you apply, provided your application is approved.

What Are Short-term Loans?

Short-term loans are a type of short-term loan that is often used to cover immediate expenses until the borrower's next payday. These loans usually have a high interest rate and must be repaid in full by the borrower's next pay date.

How Do I Apply for a Short-Term Loan?

You can apply for a short-term loan online through a lender's website or in person at a physical location. The application process typically involves providing personal information, details about your employment, and bank information for deposit and repayment purposes.

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

Short-term loans come with several risks, including high-interest rates and fees, which can make them expensive if not managed properly. Additionally, failure to repay these loans on time can lead to debt cycles, additional fees, and negatively affect your credit score.

Are There Alternatives to Short-Term Loans?

Yes, there are alternatives to short-term loans that you might consider, such as borrowing from friends or family, negotiating payment plans with creditors, or exploring credit counseling services to manage your financial situation more effectively.

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Spartanburg ZIP Codes

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