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Best Online Short-term Loans in Troy

Struggling with unexpected expenses? It's stressful when surprise costs hit your wallet. That’s where our Best Cash Advance Short-term Loans come in. We understand the financial pressures of unplanned expenses and offer quick and easy solutions. Bypass the lengthy bank processes; our short-term loans are designed to provide immediate financial relief. Get fast cash without the hassle, so you can focus on what truly matters. Discover the ease of addressing financial hiccups with our streamlined service tailored just for you. Let us be the bridge to your financial well-being today!

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Best Online Short-term Loans in Troy

Advance America
Financial institution
5.00
12 reviews

Address: 1404-C Hwy. 231 South, Troy, AL 36081

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

Phone Number: +1 (334) 808-9066

Website: advanceamerica.net/store-locations/alabama/1404-c-hwy-231-south-troy-36081

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans 30 Days Loan Ach Loan Auto Repair Loans Child Tax Credit Christmas Loans Consumers Loans Credit Counseling Debt Management Electronic Bank Emergency Loans Expanded Loan Financial Services Holiday Loans Home Improvement Home Loans Loan Applications Loan Payments Loan Processing Loan With No Credit Check Money Loans Money Management 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 Prepaid Cards Quick Loan Quick Loans Rates & Terms Finance 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 Unsecured Loans Vehicle Insurance
Credit Central
Loan agency

Address: 502 S Brundidge St, Troy, AL 36081

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

Phone Number: +1 (334) 808-8788

Website: creditcentralllc.com

Services:

Business loans Income tax return preparation Installment loans Payday loans Account Servicing Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Traditional Bank Loans Vehicle Repairs
Premier Credit LLC
Loan agency
5.00
1 reviews

Address: 413 S Brundidge St, Troy, AL 36081

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

Phone Number: +1 (334) 770-7500

World Finance
Loan agency

Address: 1243 Hwy 231 S, Troy, AL 36081

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

Phone Number: +1 (334) 566-7443

Website: loansbyworld.com/locations/alabama/troy/36081/1517

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
Loan South Finance Of Troy
Loan agency
5.00
3 reviews

Address: 1114A US-231 South, Troy, AL 36079

Phone Number: +1 (334) 808-9292

Website: serviceloansouth.com

Local Finance Loans and Taxes
Loan agency
5.00
3 reviews

Address: 810 S George Wallace Dr, Troy, AL 36081

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

Phone Number: +1 (334) 808-9494

Website: localmgmt.net

Services:

Installment loans Loans Apply
Covington Credit
Loan agency
4.90
10 reviews

Address: 109 Southland Village, Troy, AL 36079

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

Phone Number: +1 (334) 566-3165

Website: heightsfinance.com/loan-office-location/cash-loans-troy-alabama

Services:

Line of credit Payday loans Signature loans Auto Repairs Credit Insurance Easy Loans Fixed-Rate Loans Personal Loans
Check Into Cash
Financial institution
4.60
7 reviews

Address: 1215 US-231 S, Troy, AL 36081

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

Phone Number: +1 (334) 566-1267

Website: local.checkintocash.com/us/al/troy/1215-us-highway-231-s

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
Approved Cash
Loan agency
4.40
1 reviews

Address: 1135 US-231 unit B Unit B, Troy, AL 36081

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

Phone Number: +1 (334) 566-8983

Website: approvedcashadvance.com/locations/troy

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 Tax Preperation Services Title Loans
Hometown Credit Corporation
Loan agency
4.00
3 reviews

Address: 119 Southland Vlg # F, Troy, AL 36079

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

Phone Number: +1 (334) 670-0021

Website: hometowncreditcorp.com

Services:

Business loans Installment loans Bill Financing Financing Financing Financing Home Improvements House Repair Loan Consolidation Recreational Vehicles School Loans Small Loan
Complete Cash
Loan agency

Address: 1129 Highway 231 S, Troy, AL 36081

Today's Business Hours: 9:30 AM - 6:00 PM

Phone Number: +1 (334) 770-0801

Website: completecash.net

Services:

Payday loans Signature loans Title loans Cash Loan
Speedee Cash
Loan agency

Address: 1203 US-231, Troy, AL 36081

Phone Number: +1 (334) 808-4030

Website: speedeecash.net

Services:

Installment loans Microloans Payday loans Signature loans Title loans Appliance Repairs Car Pawn Loan Car Repairs Consumer Loans Easy Loans Home Repairs Installmentlending Paycheck Advances Personal Loans Preferred Loan Quick Loans Short-Term Loans Single Payment Loans Small Loan Traditional Loan Unsecured Loan

Alternatives to Short-term Loans in Troy

Short-term loans offer borrowers quick access to funds and are typically repaid within a year. Personal loans are unsecured loans provided for various individual needs, often requiring a credit check, with lenders offering flexibility in usage. Installment loans are a type of loan where the borrower receives a lump sum upfront and repays the amount in regular intervals or installments over a specified period; they can be used for a wide range of purposes, from home repairs to unexpected expenses. Title loans, on the other hand, are secured loans that require the borrower to use their vehicle title as collateral, allowing for easy access to funds but often involving higher interest rates and the risk of vehicle repossession if the loan is not repaid.

Best Personal Loan

1st Franklin Financial
4.70
10 reviews

Personal loans are a versatile type of short-term loan that allows borrowers to meet various financial needs such as consolidating debt, covering unexpected expenses, or funding large one-time purchases. These loans are typically unsecured, which means they do not require collateral, and are available through banks, credit unions, or online lenders. They often come with fixed interest rates and structured monthly payments, making it easier for borrowers to budget and plan their finances effectively.

Loan Regulations in Alabama

Alabama's statewide regulations on short-term loans aim to protect borrowers while allowing them access to quick funds in a regulated environment. In the Heart of Dixie, short-term loan lenders are governed by the Alabama Deferred Presentment Services Act, which stipulates that the maximum loan amount a consumer can borrow is $500. The minimum loan term is set at 10 days, with the maximum term not exceeding 31 days, ensuring that loans are repaid promptly.

Interest rates in Alabama for short-term loans are capped by law, with a maximum APR (Annual Percentage Rate) that lenders are allowed to charge. Additionally, borrowers must be provided with clear and comprehensive terms before entering into a loan agreement, ensuring transparency and informed decision-making.

Eligibility for a short-term loan in Alabama typically requires the borrower to have a valid government-issued ID, proof of income, and an active bank account. Lenders also must follow strict guidelines regarding rollovers and are limited in the number of times a loan can be renewed.

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 you've secured a short-term loan, it can be utilized across various essential service areas. For medical services, the loan can help cover unexpected hospital visits, prescriptions, or necessary medical treatments. If your vehicle requires immediate attention, you can allocate funds towards car repair services, while also having the flexibility to address immediate legal issues or pay for funeral services. Furthermore, should an appliance suddenly malfunction, the loan provides a quick solution to afford repair or replacement costs.

Car Wash
1117 Highway 231 South, Troy, AL 36081
+1 (334) 808-1000
Community Center
515 Hubbard Street, Troy, AL 36081
+1 (334) 566-9232
Dentist
1 Hunters Mountain Parkway, Troy, AL 36079
Fast Food
101 Highway 231 North, Troy, AL 36081
Government Office
601 Enzor Road, Troy, AL 36079
+1 (334) 670-6072
Grocery Store
1327 South Brundidge Street, Troy, AL 36081
+1 (334) 770-0680
Hospital
1118B Highway 231 South, Troy, AL 36081
+1 (334) 566-5021
Library
1101 South Brundidge Street, Troy, AL 36081
+1 (334) 670-3266
Motel
204B Highway 231 North, Troy, AL 36081
+1 (334) 670-0012
Movie Theater
450 Highway 231 North, Troy, AL 36081
+1 (334) 808-4225
Museum
Troy, AL 36081
+1 (334) 670-2287
Pharmacy
200 North 3 Notch Street, Troy, AL 36081
+1 (334) 566-2610
Post Office
1305 South Brundidge Street, Troy, AL 36081
+1 (334) 566-9470
Rent-a-Car Facility
107 Scouting Circle, Troy, AL 36081
+1 (334) 807-0321
Specialist
1412 Elba Highway, Troy, AL 36079
+1 (334) 770-0598

FAQ

What is a Short-Term Loan?

A short-term loan is a type of lending that typically lasts for a brief period, often ranging from a few weeks to a few months. It is designed to cover urgent financial needs and is usually for smaller amounts compared to traditional loans.

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

Yes, you can often secure a short-term loan even with bad credit. Many lenders offer flexible terms and consider your current financial situation rather than just your credit score. However, interest rates may be higher to offset the lender's risk.

What are Same-Day Short-Term Loans?

Same-day short-term loans are designed to provide quick cash availability. Upon approval, the funds can be transferred into your bank account on the same day, helping to address immediate or unexpected expenses.

How Do Short-term Loans Work?

Short-term loans are a type of short-term loan typically due on your next payday. They are designed for emergency expenses and involve borrowing a small amount that you agree to repay with interest within a short time frame, usually two to four weeks.

What are the Costs Associated with Short-Term Loans?

Short-term loans often come with higher interest rates and fees than traditional loans. They may include service fees, origination fees, and penalty charges for late payments. It’s crucial to review the loan terms carefully before accepting the loan.

What Should I Consider Before Taking a Short-Term Loan?

Before taking a short-term loan, consider your ability to repay the loan, the interest rates, fees, and terms of the loan. Ensure that it is the best option available and not a cycle of debt by understanding all conditions and evaluating your financial situation.

Are There Alternatives to Short-Term Loans?

Yes, alternative options include borrowing from friends or family, negotiating a payment plan with your creditors, or using a credit card for urgent needs. Some credit unions and non-profit organizations also offer low-interest emergency loans.

Find Short-term Loans Near Me

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Troy ZIP Codes

36079
36081
36082