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Best Online Short-term Loans in Troy

Stuck in a financial bind? Short on cash before payday? Our Best Cash Advance Short-term Loans are your quick and easy solution! Unexpected expenses can throw your budget off track, leaving you stressed and worried about how to make ends meet. Don't let financial hiccups keep you up at night. Our short-term loans provide fast funds to cover your immediate needs, freeing you from financial pressure. Apply today and get back on solid ground with our simple, user-friendly service designed to get cash in your hands when you need it most. Your financial peace of mind is just a click away!

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Best Online Short-term Loans in Troy

LendNation
Loan agency
4.80
10 reviews

Address: 195 Highway 47 E, Ste 300, Troy, MO 63379

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

Phone Number: +1 (636) 528-9408

Website: lendnation.com/location/mo/troy/195-highway-47-e-0570

Services:

Installment Loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Loan Funding Loan Payments New Loan Online Lending Payday Loans Pre Paid Debit Cards Short-Term Loans Small Loan Title Loans
Advance America
Financial institution
4.70
10 reviews

Address: 150 Magee St, Troy, MO 63379

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

Phone Number: +1 (636) 528-3633

Website: advanceamerica.net/store-locations/missouri/150-magee-street-troy-63379

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Bill Payments Christmas Loans Consumer Financial Services Consumer Lending Consumers Loans Credit Counseling Debit Card Loans Debt Management Dollar Loans Easy Cash Loans Emergency Loans Existing Loan Expanded Loan Fast Cash Loans Financial Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans Money Services Money Transfers Netspend® Visa® Prepaid Card Netspend® Visa® Prepaid Cards New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinance My Loan Refinancing Options Registration Loans Repayment Plan Secured Loan Security Security Online Account Authentication Fraud Prevention Short Term Loan Short Term Loans Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Terms Finance Unsecured Loans
AAA Check Advance
Loan agency
2.30
1 reviews

Address: 11 Sydnorville Rd, Troy, MO 63379

Phone Number: +1 (636) 462-5626

Website: aaa-check-advance.business.site

Services:

Installment loans Payday loans Signature loans LOANS
Advance Pay Day Loan Co
Loan agency
1.00
1 reviews

Address: 861 E Cherry St, Troy, MO 63379

Today's Business Hours: 10:00 AM - 3:30 PM

Phone Number: +1 (636) 528-6008

ABC Payday Loans
Loan agency

Address: 131 Main St, Troy, MO 63379

Today's Business Hours: 8:00 AM - 6:00 PM

Phone Number: +1 (636) 462-8828

Website: abcpaydayloanllc.com

Services:

Payday loans

Alternatives to Short-term Loans in Troy

Short-term loans offer financial flexibility for diverse needs, including personal, installment, and title loans. Personal loans typically provide unsecured funds with a quick approval process, ideal for urgent financial requirements and can be used for various purposes. Installment loans are structured with set repayment schedules and amounts, allowing borrowers to manage their payments over a predetermined period, making them suited for larger expenses requiring a planned repayment strategy. Title loans, on the other hand, are secured loans where the borrower uses their vehicle title as collateral, often characterized by higher interest rates and a more immediate source of cash, suitable for individuals needing swift funds with a minimized credit check process.

Best Personal Loan

Title Partners Agency, LLC
5.00
5 reviews

Short-term loans offer quick access to funds and are usually repaid within a short period, often ranging from a few weeks to a year. Among the various short-term loan options, personal loans are a popular choice. Personal loans are unsecured, meaning they don't require collateral, making them an attractive option for those who have a good credit score and need funds for personal expenses, such as medical bills or home renovations. They are typically provided by banks, credit unions, or online lenders, and offer fixed interest rates and monthly payments, which can help in budgeting and financial planning.

Best Installment Loan

Bank Of Old Monroe
4.90
4 reviews

Installment loans are a type of short-term loan where borrowers receive a lump sum of money and repay it over a set number of scheduled payments or installments. These loans are often more predictable than other short-term borrowing options, as the payments and terms are fixed. The best installment loans provide low interest rates, a straightforward application process, and a clear repayment schedule, giving borrowers a reliable option to manage their finances effectively.

Best Car Title Loan

TitleMax Title Secured Loans
4.90
42 reviews

Title loans provide a fast cash solution for those who own a vehicle and require immediate financing. In this type of loan, the borrower uses their vehicle's title as collateral while still retaining possession of the vehicle itself. Title loans are a viable option for those with poor credit scores, as the lender primarily considers the value of the vehicle. However, these loans usually come with high interest rates and fees, and failing to repay could result in losing one's vehicle. They are best suited for short-term emergency expenses when other options are not available.

Loan Regulations in Missouri

Missouri state-wide regulations govern short-term loan practices to ensure consumer protection and fair lending. The state permits a maximum short-term loan amount of $500, a measure aimed at preventing borrowers from accruing overwhelming debt. Eligibility for these loans typically involves basic requirements like proof of income and a valid bank account, with some lenders also considering the borrower’s credit history.

The loan terms in Missouri allow for a maximum duration of 31 days, offering a short-term financial solution for those in urgent need. When it comes to interest rates and fees, Missouri law specifies that lenders can charge up to 75% of the loan amount in fees and interest over the life of the loan. This regulation aims to balance the immediacy of borrowers' needs with the potential risks of short-term lending. Overall, these regulations are designed to provide a safeguarded lending environment, ensuring that short-term loans remain a viable option for residents facing immediate financial challenges in Missouri.

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 you've secured a short-term loan, there are several local service providers where you might allocate these funds effectively. You can use the loan to cover medical expenses at your local healthcare facilities, handle emergency car repairs at nearby auto shops, or pay for legal assistance through local law services. Additionally, the loan can help manage costs for unexpected funeral services and essential household appliance repairs or replacements.

American Restaurant
1 Merlin Drive, Troy, MO 63379
+1 (636) 462-4437
Car Wash
841 East Cherry Street, Troy, MO 63379
+1 (636) 528-8906
Clothing Shop
Main Street, Troy, MO 63379
+1 (636) 345-1516
Club & Association
541 2nd Street, Troy, MO 63379
+1 (636) 528-2303
Dentist
101 West College Street, Troy, MO 63379
+1 (636) 528-8911
Doctor
172 Professional Parkway, Troy, MO 63379
+1 (636) 462-6106
Fitness Club & Center
116 Sarah Ann Boulevard, Troy, MO 63379
+1 (636) 462-5290
Government Office
336 Excalibur Boulevard, Troy, MO 63379
+1 (636) 528-4646
Hospital
1165 East Cherry Street, Troy, MO 63379
+1 (636) 528-1919
Hotel
28 Turnbull Trail, Troy, MO 63379
+1 (636) 528-6888
Library
951 West College Street, Troy, MO 63379
+1 (636) 462-4874
Movie Theater
7 The Plaza, Troy, MO 63379
+1 (636) 528-5341
Pharmacy
10 Centerline Drive, Troy, MO 63379
+1 (636) 462-7005
Post Office
240 Troy Square, Troy, MO 63379
+1 (636) 528-2800
Rent-a-Car Facility
397 Travis Boulevard, Troy, MO 63379
+1 (636) 528-1424

FAQ

What Are Short-Term Loans?

Short-term loans are financial products designed to provide quick cash with repayment terms typically ranging from a few weeks to a few months. These loans are popular among individuals who need immediate funds 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. While traditional lenders may have stringent credit requirements, there are online and alternative lenders that focus more on your ability to repay than your credit score.

What is a Same-Day Loan?

A same-day loan is a type of short-term loan where funds are usually deposited into your account on the same day you apply, provided your application is approved. This quick processing time is ideal for emergency situations that require immediate funding.

How Do Short-term Loans Work?

Short-term loans are short-term, high-interest loans typically due on your next payday. They require minimal documentation and often do not involve a credit check. However, they can be very expensive due to high fees and interest rates, so it's important to consider alternatives before applying.

What Are the Risks of Taking a Short-Term Loan?

While short-term loans are convenient, they come with risks such as high interest rates, rolling over into new loans if unpaid, and potential debt traps. It's crucial to read all terms carefully and ensure you can repay the loan on time to avoid additional fees.

Are There Alternatives to Short-Term Loans?

Yes, several alternatives could be more suitable depending on your situation, such as credit union loans, personal loans from banks, borrow from friends or family, or using a credit card. It's important to evaluate all options and choose the one that best fits your financial needs.

How Can I Apply for a Short-Term Loan?

Applying for a short-term loan typically involves filling out an online application form with your personal and financial details. You'll need to submit identification, proof of income, and bank account information. Once your application is reviewed and approved, the funds are often disbursed quickly.

Find Short-term Loans Near Me

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Troy ZIP Codes

63362
63379