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Address: 30 Reynolds St, Springhill, LA 71075
Today's Business Hours: 9:30 AM - 5:30 PM
Phone Number: +1 (318) 539-4020
Address: 207 N Main St, Springhill, LA 71075
Today's Business Hours: 9:00 AM - 5:30 PM
Phone Number: +1 (318) 660-1002
Website: loansbyworld.com/locations/louisiana/springhill/71075/739
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Today's Business Hours: 10:00 AM - 6:00 PM
Phone Number: +1 (318) 539-2446
Website: advanceamerica.net/store-locations/louisiana/798-s-arkansas-st-springhill-71075
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Today's Business Hours: 9:30 AM - 5:30 PM
Phone Number: +1 (318) 539-5627
Address: 104 N Main St, Springhill, LA 71075
Today's Business Hours: 9:00 AM - 5:30 PM
Phone Number: +1 (318) 539-2231
Address: 204 1st St NE, Springhill, LA 71075
Today's Business Hours: 8:30 AM - 5:00 PM
Phone Number: +1 (318) 539-4014
Address: 107 S Main St, Springhill, LA 71075
Today's Business Hours: 8:30 AM - 6:30 PM
Phone Number: +1 (318) 539-5858
Website: towerloan.com/branch/springhill
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Short-term loans serve as a quick financial solution for individuals needing immediate funds. Best personal loans are often chosen for their flexibility, unsecured nature, and speedy approval process. These loans typically have higher interest rates than long-term options but provide a practical solution for unexpected expenses or urgent small-scale purchases. Borrowers should consider their credit score, loan terms, and potential fees when selecting a personal loan to ensure it meets their needs effectively.
Installment loans are a popular type of short-term credit where borrowers receive a lump sum amount upfront and repay it over a set number of scheduled payments, or installments. Unlike payday loans which are usually due in one payment, installment loans spread out repayment, often making them more manageable for borrowers. They can be used for various purposes, such as debt consolidation, education costs, or home improvement, and typically have a lower interest rate than payday loans. Borrowers benefit from clear timelines and predictable payment amounts, which can help in budgeting and financial planning.
Short-term loan regulations are designed to protect consumers while offering accessible short-term credit solutions in Louisiana. The state allows a maximum short-term loan amount of $350, with loan terms capped at 30 days. This helps prevent borrowers from falling into long-term debt cycles. The finance charges are regulated as well, with lenders allowed to charge up to 16.75% of the loan amount in fees, up to a maximum of $45. Additionally, borrowers are limited to taking out one short-term loan at a time.
Eligibility for these loans typically includes proof of income and an active checking account. Lenders might also check the borrower's credit history. These regulations provide a framework that balances the immediacy of financial needs with responsible lending practices, ensuring that short-term loans remain a viable and regulated option for those in need in Louisiana.
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Individuals who have taken out a short-term loan can efficiently utilize the funds across a range of essential local services. Medical facilities offer treatment and care, car repair shops can address urgent vehicle issues, and legal services provide critical assistance with legal matters. Additionally, funeral homes offer compassionate support during times of loss, while appliance service centers ensure necessary household equipment remains functional.
A short-term loan is a type of credit that is designed to be repaid in a short period, usually within a few months. This type of loan can provide quick access to funds for unexpected expenses.
Yes, many lenders specialize in offering short-term loans to individuals with bad credit. However, these loans might come with higher interest rates due to the increased risk for the lender.
Same-day loans are designed to provide you with funds quickly. If approved, you may receive the money in your bank account within the same day, depending on the lender and your bank's processing times.
Short-term loans are a type of short-term loan that is typically due on your next payday. They are designed to cover immediate cash needs until your next paycheck.
Eligibility criteria may vary between lenders but generally include being at least 18 years old, having a steady source of income, and an active bank account. Some lenders may have additional specific requirements.
Short-term loans often come with high interest rates and fees, making them expensive if not repaid on time. It's crucial to fully understand the terms and ensure you can meet the repayment obligations before taking out a short-term loan.
You can apply for a short-term loan online by visiting a lender's website, where you'll need to fill out an application form and provide necessary documents such as identification and proof of income. Some lenders also offer in-store applications.
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