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Best Online Short-term Loans in Stillwater

Running low on funds can be stressful! When unexpected expenses arise or payday seems too far away, short-term loans could be your lifeline. These quick cash advances are designed to offer you fast access to money right when you need it most. But finding the right lender can be overwhelming and full of hidden pitfalls. That's where we come in! Our "Best Cash Advance Short-term Loans" service ensures you get the cash you need with terms you can trust. Navigate financial emergencies effortlessly and regain your peace of mind today!

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Best Online Short-term Loans in Stillwater

Advance America
Financial institution

Address: 2202 N Perkins Rd, Stillwater, OK 74075

Phone Number: +1 (405) 372-7299

Trust Payday Loans
Loan agency
5.00
7 reviews

Address: 603 N Perkins Rd #564, Stillwater, OK 74075

Today's Business Hours: 7:00 AM - 9:00 PM

Phone Number: +1 (405) 407-1264

Website: trust-paydayloans.com/locations/stillwater

Services:

Business loans Flex loans Installment loans Payday loans Signature loans Title loans Auto Loan Bad Credit Car Loan Boat Financing Boat Loan Financing Loans Loan Program Motorbike Finance No Credit Check Loans Online Loans Payment Loans Personal Loans Revolving Loans Short-Term Loan Used Car Loan
Security Finance
Loan agency
4.90
9 reviews

Address: 207 S Perkins Rd, Stillwater, OK 74074

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

Phone Number: +1 (405) 743-0621

Website: securityfinance.com/locations/stillwater-ok-0463

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
World Finance
Loan agency
4.90
11 reviews

Address: 233 S Perkins Rd, Stillwater, OK 74074

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

Phone Number: +1 (405) 743-1015

Website: loansbyworld.com/locations/oklahoma/stillwater/74074/617

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Appliance Repair Auto Repair Average Loan Build Credit Capitol Loans Car Repairs Credit Plan Easy Loans Finance Loans Investor Relations Loan Payment Plan Loan Solutions Local Loans Medical Bills Military Lending Online Payment Overall Financial Pawn Shop Loans Personal Finance Personal Loans Online Small Dollar Loans Tax Advance Loan Tax Returns World Finance
Regional Finance
Loan agency
4.80
8 reviews

Address: 701 N Main St, Stillwater, OK 74075

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

Phone Number: +1 (405) 571-9106

Website: branches.regionalfinance.com/ok/stillwater/701-n-main-street.html

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Appliance Loans Auto Repair Loans Car Loan Car Repairs Credit Card Debt Debt Consolidation Loans Financial Services Furniture Loans Holiday Loans Home Repairs Loans Personal Loans New Furniture Small Loan Travel Loans
Western-Shamrock Finance
Loan agency
4.80
10 reviews

Address: 212 N Main St, Stillwater, OK 74075

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

Phone Number: +1 (405) 624-6240

Website: westernshamrock.com/locations/oklahoma/western-shamrock-finance-stillwater-ok

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repair Loans Bill Payments Building Credit Cash Advance Debt Consolidation Financial Advisor Home Loans Personal Loans Tax Services
Approved Cash
Loan agency
4.70
10 reviews

Address: 706 W 6th Ave, Stillwater, OK 74074

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

Phone Number: +1 (405) 624-6661

Website: approvedcashadvance.com/locations/stillwater

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 Loans Small Loan Title Loans
OneMain Financial
Loan agency
4.20
10 reviews

Address: 2240 N Perkins Rd #230, Stillwater, OK 74075

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

Phone Number: +1 (405) 707-0524

Website: onemainfinancial.com/branches/ok/stillwater/74075/4021

Services:

Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Bill Consolidation Boat Loans Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Credit Card Debt Debt Consolidation Loans Emergency Loans Moving Loans Family Support Financial Loans Financial Protection And Innovation Fixed Loan Funeral Loans Higher Loan Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Loans Online Real Estate Mortgage Loan Refinance Home Repayment Plan Rv Loans Secured Personal Loans Total Finance Unsecured Loan Vacation Loans Wedding Loans
American Loans
Loan agency
3.70
1 reviews

Address: 130 S Main St, Stillwater, OK 74074

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

Phone Number: +1 (405) 372-9308

Website: americanloansoklahoma.com/stillwater-south/3100186

Services:

Installment loans Line of credit Payday loans Signature loans Confidential Loans Easy Loan Home Loan Quick Loan Rebuild Credit
Approved Loans of Stillwater
Loan agency
3.30
2 reviews

Address: 223 S Perkins Rd, Stillwater, OK 74074

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

Phone Number: +1 (405) 743-2274

Website: camelotfs.com

Pioneer Loans
Loan agency

Address: 522 N Perkins Rd # 33, Stillwater, OK 74075

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

Phone Number: +1 (405) 372-3327

Website: americanloansoklahoma.com/stillwater-north/3100187

Alternatives to Short-term Loans in Stillwater

Short-term loans offer quick financial assistance with different options tailored to varying needs. Personal loans are typically unsecured and can be used for a variety of purposes, offering a swift solution without the need for collateral, although they generally come with higher interest rates. Installment loans provide a structured repayment plan, allowing borrowers to pay back in fixed monthly amounts over a short period, making budgeting easier and predictable. Title loans, on the other hand, require the borrower to use their vehicle as collateral, allowing for rapid access to cash but risking asset forfeiture if payments are not met. Each type serves distinct financial situations, with personal loans offering versatility, installment loans providing planned repayments, and title loans delivering secured, quick cash access.

Best Personal Loan

The Zanotelli Team / Sente Mortgage
5.00
14 reviews

Short-term loans can be a convenient option for individuals in need of quick financial assistance, and one of the best personal loans for short-term use is often provided by credit unions or online lenders. These loans usually have a fixed interest rate and are unsecured, meaning they do not require collateral. They are ideal for covering unexpected expenses or emergencies due to their quick approval process and immediate fund availability. It is crucial to compare various lenders to find competitive rates and terms suitable for the borrower's financial situation.

Loan Regulations in Oklahoma

Oklahoma’s short-term loan regulation ensures consumer protection while providing access to quick financial solutions. State-wide, these regulations stipulate that short-term loan amounts cannot exceed $500. The loan terms are flexible, ranging from 12 to 45 days, giving borrowers ample time to manage repayment. Regarding interest rates, Oklahoma caps the finance charges at $15 for every $100 borrowed up to $300, and an additional $10 for every $100 beyond the initial $300.

To be eligible for a short-term loan in Oklahoma, applicants typically need to provide proof of income, a valid government-issued ID, and an active checking account. The regulations also require payday lenders to be transparent about the terms and fees of the loan, ensuring borrowers are fully informed before entering into any agreement.

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 Wash
324 East 6th Avenue, Stillwater, OK 74074
+1 (833) 416-9975
Club & Association
625 East Redbud Drive, Stillwater, OK 74075
+1 (405) 533-5425
College/University
1224 North Husband Street, Stillwater, OK 74075
+1 (405) 533-6399
Dentist
1601 South Sangre Road, Stillwater, OK 74074
+1 (405) 377-4848
Fast Food
715 West 6th Avenue, Stillwater, OK 74074
Fitness Club & Center
4515 Territory Lane, Stillwater, OK 74075
+1 (405) 533-1071
Government Office
3111 North Marine Road, Stillwater, OK 74075
+1 (405) 533-8073
Hospital
1323 W 6Th Ave, Stillwater, OK 74074
+1 (405) 372-1480
Hotel
East McElroy Road, Stillwater, OK 74075
+1 (405) 624-1616
Library
1107 South Duck Street, Stillwater, OK 74074
+1 (405) 372-3633
Movie Theater
1909 North Perkins Road, Stillwater, OK 74074
+1 (405) 372-0349
Museum
702 South Duncan Street, Stillwater, OK 74074
Pharmacy
1916 North Perkins Road, Stillwater, OK 74075
Post Office
178 West Hall of Fame Avenue, Stillwater, OK 74075
+1 (800) 275-8777
Rent-a-Car Facility
9300 West 6th Avenue, Stillwater, OK 74074
+1 (405) 372-1382

FAQ

What are Short-Term Loans?

Short-term loans are financial products designed to provide quick access to funds for a temporary financial need. They are often easier to qualify for than traditional loans and typically have shorter repayment terms, often ranging from a few weeks to several months.

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 flexible credit requirements, which can make them accessible to those who may not qualify for other types of financing. However, it's important to note that these loans may come with higher interest rates due to the increased risk to the lender.

What Are Same-Day Loans?

Same-day loans are a type of short-term loan where the approval and disbursement of funds occur on the same day of application. These loans are particularly beneficial for individuals who need immediate financial assistance for emergencies or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are short-term loans that provide small amounts of money and are typically due on your next payday. These loans are often used for emergency expenses, and the repayment is usually expected in one lump sum. Short-term loans are known for their quick processing times but often come with higher fees and interest rates.

What Are the Eligibility Criteria for Short-Term Loans?

Eligibility criteria for short-term loans can vary by lender, but commonly include being at least 18 years old, having a steady source of income, possessing an active checking account, and providing a valid ID. Some lenders may also evaluate credit scores, although many are willing to work with bad-credit applicants.

How Fast Can I Receive Funds from a Short-Term Loan?

Funds from a short-term loan can often be received as quickly as the same day or within a few business days, depending on the lender and the time of application. Online lenders tend to provide faster turnaround times than traditional financial institutions.

Are There Risks Associated with Short-Term Loans?

Yes, short-term loans can come with several risks, including high interest rates, short repayment terms, and significant penalties for late or missed payments. It's important to fully understand the terms and conditions of the loan before agreeing, and ensure that you can reasonably meet the repayment obligations.

Find Short-term Loans Near Me

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Stillwater ZIP Codes

74074
74075
74076
74077
74078