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Best Online Short-term Loans in St Matthews

Feeling strapped for cash and need a quick fix? Life's unexpected expenses can catch us off guard, leading to stress and financial strain. Our Best Cash Advance Short-term Loans are here to get you back on track, providing fast and easy solutions tailored to your immediate needs. No more waiting or long approval processes—just straightforward, reliable financial support when you need it the most. Take the stress out of short-term financial challenges with our trusted cash advance services today!

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Best Online Short-term Loans in St Matthews

World Finance
Loan agency
4.90
6 reviews

Address: 619 Harry C Raysor Dr, St Matthews, SC 29135

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

Phone Number: +1 (803) 655-7991

Website: loansbyworld.com/locations/south-carolina/st-matthews/29135/397

Services:

Installment loans Line of credit Signature loans Title loans Auto Repair Build Credit Finance Loans Home Improvement Investor Relations Local Loans Medical Bills Online Payment Overall Financial Payment Plan Personal Finance World Finance
AgSouth Farm Credit
Loan agency

Address: 2630 Colonel Thomson Hwy, St Matthews, SC 29135

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

Phone Number: +1 (803) 874-3703

Website: agsouthfc.com/locations/south-carolina-branches/st-matthews.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 Operation Loan Financial Education Financial Planning Financial Reports Financial Services Financial Training Home And Construction Loans Home Buying Home Construction Loans Home Improvements Home Mortgage Home Mortgages Home Refinancing Housing Lender Insurance Plans Investment Properties LConsultant LImprovements 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 farm loan home loan lloan
World Acceptance
Loan agency

Address: 19 St Matthews Rd, St Matthews, SC 29135

Phone Number: +1 (803) 874-4042

Security Finance
Loan agency

Address: 617 Harry C Raysor Dr, St Matthews, SC 29135

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

Phone Number: +1 (803) 874-2998

Website: securityfinance.com/locations/st-matthews-sc-0387

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help

Alternatives to Short-term Loans in St Matthews

Short-term loans typically bridge financial gaps with a quick repayment period. Personal loans are unsecured and can be used for various purposes, requiring no collateral but often having higher interest rates. Installment loans are repaid over a set period through scheduled payments, providing a predictable repayment plan, with terms varying based on the lender and borrower's creditworthiness. Title loans use a borrower's vehicle as collateral, allowing access to funds quickly but posing a risk of losing the vehicle if the loan is not repaid on time. Each type offers unique benefits and risks, catering to different financial needs and situations.

Best Personal Loan

Wells Fargo Bank
4.50
5 reviews

Personal loans are a popular choice for those seeking short-term financing solutions, offering the flexibility to borrow funds for various purposes such as debt consolidation, emergency expenses, or personal projects. These loans are typically unsecured, meaning borrowers don't need to provide collateral. An excellent option for personal loans is LightStream, known for its competitive interest rates and the ability to fund loans quickly. With an easy-to-use online application process and a commitment to customer service, LightStream is a top choice for anyone needing fast access to funds while ensuring favorable loan terms.

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%

FAQ

What are short-term loans?

Short-term loans are financial products that allow individuals to borrow a small amount of money to be repaid within a brief period, typically within a few weeks or months. These loans are designed to provide immediate financial relief for unexpected expenses.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans often have more lenient credit requirements compared to traditional loans. However, interest rates and fees may be higher due to increased risk to the lender.

What is a same-day loan?

A same-day loan is a type of short-term loan where the borrower receives funds on the same day their application is approved. These loans are ideal for urgent situations where quick access to cash is necessary.

How do short-term loans work?

Short-term loans are short-term, high-interest loans typically due on the borrower's next payday. They are intended to cover immediate cash needs and are often repaid in a single lump sum, including fees, within two to four weeks.

What are the eligibility requirements for a short-term loan?

Eligibility for short-term loans generally includes being at least 18 years old, having a steady source of income, and providing a valid form of identification. Specific requirements can vary by lender, especially for those offering loans to individuals with bad credit.

Are there risks associated with short-term loans?

Yes, there are risks involved with short-term loans, particularly high interest rates and fees, which can lead to a cycle of debt if not managed properly. It's essential to understand the loan terms and ensure you can repay it on time to avoid further financial strain.

How can I apply for a short-term loan?

You can apply for a short-term loan online or in-person at a lender's physical location. The application process typically involves filling out a form with your personal and financial information, along with providing any required documentation. Approval is usually quick, especially for same-day loans.

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