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Best Online Short-term Loans in Surfside Beach

Need cash fast? That's where short-term loans come in! Life’s unexpected expenses can throw your budget off balance. Those unplanned bills and emergencies can keep you up at night. But don't worry! Our Best Cash Advance Short-term Loans service is the quick, reliable solution you need. Designed to help you overcome financial hiccups without the stress, you’ll find the cash you need right at your fingertips. Get back to your day with peace of mind and a secure financial future. Apply now and move past your financial hurdles with ease!

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Best Online Short-term Loans in Surfside Beach

Credit Central Inc
Loan agency
3.70
3 reviews

Address: 2696 Beaver Run Blvd, Surfside Beach, SC 29575

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

Phone Number: +1 (843) 213-6302

Website: creditcentralllc.com

Services:

Business loans Installment loans Payday loans Account Servicing Financial Services Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Tax Refund Tax Return Preparation Traditional Bank Loans Vehicle Repairs
Truist
Bank
3.40
8 reviews

Address: 112 US-17 BUS S, Surfside Beach, SC 29575

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

Phone Number: +1 (843) 839-5409

Website: truist.com/locations

Alternatives to Short-term Loans in Surfside Beach

Short-term loans come in various forms to meet different financial needs. Personal loans are unsecured loans typically offered by banks or online lenders and can be used for a variety of purposes, such as debt consolidation or unexpected expenses, with repayment terms often ranging from a few weeks to a year. Installment loans are a type of short-term loan that is repaid over a set term through regular payments, making them a predictable option for borrowers looking to manage their budget. Title loans involve using a vehicle title as collateral to secure the loan, providing borrowers with quick access to cash, but they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

Wells Fargo Bank
3.90
9 reviews

Short-term loans are financial arrangements designed to be repaid quickly, often within a year, and they can come in various forms depending on the borrower’s needs. One popular option for best personal loans is the unsecured personal loan, which doesn't require collateral and can be used for a variety of personal expenses. These loans typically have fixed interest rates and set terms, making them easily manageable for borrowers who have a good credit score. They provide flexibility and can be a great option for individuals needing quick funds without putting up personal assets as collateral.

Best Car Title Loan

Auto Money
5.00
44 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 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

For those who have secured a short-term loan, several local service providers offer essential support in critical areas. These funds can be directed towards medical expenses for unexpected health emergencies, car repair services to ensure reliable transportation, and legal services for any urgent legal matters. Additionally, the loan can assist with funeral costs during difficult times or cover the expense of necessary appliance repairs or replacements, helping maintain everyday conveniences.

Car Accessories
1712 Highway 17 North, Surfside Beach, SC 29575
+1 (843) 492-6335
Car Wash
600 Highway 17 South, Surfside Beach, SC 29575
+1 (843) 945-4879
Community Center
1032 10th Avenue North, Surfside Beach, SC 29575
+1 (843) 238-3644
Concert Hall
301 Highway 17 South, Surfside Beach, SC 29575
+1 (843) 808-9188
Dentist
1012 8th Avenue South, Surfside Beach, SC 29575
+1 (843) 238-5645
Fast Food
504 Highway 17 North, Surfside Beach, SC 29575
Hotel
15 South Ocean Boulevard, Surfside Beach, SC 29575
+1 (843) 238-4444
Movie Theater
301 Highway 17 South, Surfside Beach, SC 29575
+1 (843) 808-9188
Museum
1040 Highway 17 South, Surfside Beach, SC 29575
+1 (843) 650-2305
Pharmacy
320 Highway 17 North, Surfside Beach, SC 29575
+1 (843) 238-9292
Real Estate Agent
213 Surfside Drive, Surfside Beach, SC 29575
+1 (843) 238-4442
Rent-a-Car Facility
1012 16th Avenue Northwest, Surfside Beach, SC 29575
+1 (843) 485-0333
Sports Center
631 Highway 17 North, Surfside Beach, SC 29575
+1 (843) 477-8385
Tourist Information Office
14 South Ocean Boulevard, Surfside Beach, SC 29575
+1 (843) 282-5171

FAQ

What are short-term loans?

Short-term loans are financial products designed to cover immediate financial needs and are typically repaid within a short period, usually ranging from a few weeks to a few months. They are ideal for unexpected expenses and are often more accessible for individuals with bad credit.

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

Yes, many lenders offer short-term loans to individuals with bad credit. These loans may come with higher interest rates due to the increased risk, but they can provide a viable solution for those in urgent need of funds.

How do same-day loans work?

Same-day loans are designed to be processed quickly, with funds typically being deposited into the borrower's bank account within the same day of approval. These loans are perfect for emergency situations where immediate access to cash is essential.

What is the difference between short-term loans and other short-term loans?

Short-term loans are a type of short-term loan that must be repaid by the borrower's next paycheck, usually within two to four weeks. Other short-term loans may offer longer repayment periods and varying terms, providing more flexibility than short-term loans.

Are there any risks associated with short-term loans?

Short-term loans can carry high-interest rates and fees, particularly for those with bad credit. If not managed properly, they can lead to a cycle of debt. It is important to understand the terms and conditions and ensure you can meet the repayment obligations before borrowing.

How can I apply for a short-term loan?

Applying for a short-term loan is often straightforward. You can apply online or in-person through a lender, providing some basic information such as proof of income, bank account details, and identification. Approval decisions are typically made quickly.

What happens if I can't repay my short-term loan on time?

If you are unable to repay your loan on time, it is important to contact your lender immediately. Many lenders offer extensions or repayment plans, but this may incur additional fees or higher interest rates. Failure to repay may affect your credit score and incur additional penalties.

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Surfside Beach ZIP Codes

29575