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Best Online Short-term Loans in Troy

Struggling with unexpected expenses? Life's surprise bills can throw anyone off balance. That’s where our Best Cash Advance Short-term Loans come in handy. As an ideal solution for those urgent financial needs, our loans offer quick, hassle-free cash access—exactly when you need it. Don’t let temporary money troubles stress you out any longer. With our easy application process and rapid approval, you’ll have funds in no time. Go from overwhelmed to relieved with our reliable short-term loan solutions. Get back on track today!

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Best Online Short-term Loans in Troy

Mariner Finance
Loan agency
4.60
10 reviews

Address: 1870 W Main St, Troy, OH 45373

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

Phone Number: +1 (937) 703-9381

Website: marinerfinance.com/locations/ohio/mariner-finance-location-in-troy-oh

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Title loans Apply For Financing Auto Refinancing Loans Auto Secured Loan Car Refinancing Car Refinancing Loans Consumer Finance Credit Card Payments Current Loan Customer Support Debt Consolidation Loan Fha Loans Finance A Used Car Financing Online Home Equity Loan Home Improvement Loans Home Loans Mortgage Loans Home Loans Resources Home Mortgage Home Refinance Industrial Loan Loan By Phone Loan Car Loans Loan Finance Loan Program Loan Solutions Mortgage Broker Mortgage Personal Loans Motor Vehicle New Car Loans Online Personal Loan Payment Plan Personal Financial Purchasing Or Refinancing Refinance Loans Refinance To A Lower Rate Residential Mortgage Lending Residential Mortgage Loan Sales Finance Sell Your Home Small Loan Special Day Tax Returns Unexpected Expenses Loans Unsecured Personal Loans Used Car Loans Vacation Financing Vacation Loans Vehicle Loan Wedding Loans debt consolidation loans
National Cash Advance
Loan agency

Address: 1880 W Main St, Troy, OH 45373

Phone Number: +1 (937) 339-0891

DJM Commercial Credit
Loan agency

Address: 1841 W Main St, Troy, OH 45373

Phone Number: +1 (937) 250-1405

Website: djmcommercialcredit.com/contact-us

Services:

Business loans Line of credit Payday loans Signature loans Accounts Receivable Financing Alternative Funding Bridge Loans Cleaning Equipment Cmbs Loans Commercial Financing Broker Commercial Properties Commercial Real Estate Financing Complete Financing Construction Financing Consumer Financing Conventional Financing Conventional Loan Credit Card Credit Solutions Customer Support Equipment Financing Equipment Leasing Fha Lending Financial Support Financing Financing Financing Options Financing Program Franchise Financing Franchise Loan Free Consultation Healthcare Financing Heavy Machinery Leasing Programs Lending Programs Loan Funding Loan Programs Medical Equipment Merchant Cash Advance Mezzanine Financing Mobile Home New Real Estate Project Financing Purchase Order Financing Quick Loan Real Estate Buy Repayment Options Sba Loans Senior Housing Standard Financing Stated Income Commercial Real Estate Loans Traditional Sba Financing Working Capital
Access Equipment & Financing, LLC
Loan agency

Address: 405 Public Sq, Troy, OH 45373

Phone Number: +1 (866) 880-6145

Services:

Signature loans Personal Loans

Alternatives to Short-term Loans in Troy

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

Advance America
5.00
10 reviews

Short-term loans come in various forms, catering to different financial needs. Among the best personal short-term loans, one option stands out for its flexibility and quick approval process. Typically, these loans are unsecured, meaning they do not require collateral, and they allow borrowers to access funds swiftly to cover unexpected expenses or emergencies. They usually offer loan amounts ranging from a few hundred to a few thousand dollars with relatively higher interest rates due to the shorter repayment periods. Personal short-term loans are ideal for those who need immediate financial assistance and have a clear plan to repay the amount quickly.

Loan Regulations in Ohio

Ohio's short-term loan regulations are designed to provide a balance between borrower protection and accessibility. The state allows short-term loans up to $1,000 with a minimum term of 91 days, though the loan term can be shorter if the monthly payment does not exceed 6% of the borrower's gross monthly income or 7% of net monthly income. The maximum term is one year. Interest rates on short-term loans in Ohio are capped at 28% APR, significantly lower than in many other states.

To be eligible for a short-term loan in Ohio, applicants must meet basic criteria such as having a steady source of income, being at least 18 years old, and possessing a valid checking account. Some lenders may require additional documentation or criteria.

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 individuals who have taken out a short-term loan, various local service providers can help address immediate needs. The loan can be used to cover expenses such as medical services for unexpected healthcare costs, car repair to ensure reliable transportation, legal services for urgent legal matters, funeral services for unforeseen bereavements, and appliance repair or replacement to maintain home essentials.

Bodyshop
15 North Kings Chapel Drive, Troy, OH 45373
+1 (937) 339-3391
Club & Association
151 Staunton Road, Troy, OH 45373
+1 (937) 332-6710
College/University
510 West Water Street, Troy, OH 45373
+1 (937) 332-7400
Concert Hall
255 Adams Street, Troy, OH 45373
+1 (937) 339-2911
Fitness Club & Center
105 South Market Street, Troy, OH 45373
+1 (937) 522-2333
Government Office
265 Adams Street, Troy, OH 45373
+1 (937) 335-4612
Hospital
1102 West Main Street, Troy, OH 45373
+1 (937) 332-9800
Hotel
60 Troy Town Drive, Troy, OH 45373
+1 (937) 332-1700
Movie Theater
927 North Market Street, Troy, OH 45373
+1 (937) 332-0955
Museum
124 East Water Street, Troy, OH 45373
Shopping Center
1819 West Main Street, Troy, OH 45373
Specialist
45 South Stanfield Road, Troy, OH 45373
+1 (937) 440-6781
Sports Equipment & Clothing
1802 West Main Street, Troy, OH 45373
+1 (937) 776-5707
Tourist Information Office
301 West Main Street, Troy, OH 45373
Veterinarian
1589 McKaig Road, Troy, OH 45373
+1 (937) 339-4582

FAQ

What are short-term loans?

Short-term loans are financial products designed to help individuals cover urgent expenses. These loans are usually for small amounts and are expected to be paid back quickly, often within a few weeks to a few months.

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

Yes, many lenders offer short-term loans to individuals with bad credit. While traditional banks may have stricter requirements, online lenders and short-term loan providers often approve loans based on other factors, such as income and employment status.

What is the difference between same-day loans and short-term loans?

Same-day loans are processed and disbursed on the same day that you apply, making them a quick option in emergencies. Short-term loans, a type of short-term loan, are typically due on your next payday and may not always offer same-day processing, though many lenders do offer rapid approval.

How much can I borrow with a short-term loan?

The amount you can borrow with a short-term loan varies depending on the lender and your financial circumstances. Commonly, short-term loans range from $100 to $5,000, but the specifics will depend on your income and the lender's policies.

Are there any risks associated with short-term loans?

Yes, short-term loans can come with high interest rates and fees, especially if they are not repaid on time. It is crucial to understand the loan terms and ensure that you can repay the loan to avoid falling into a cycle of debt.

How do I apply for a short-term loan?

To apply for a short-term loan, you can either visit a lender's physical location or apply online. You'll typically need to provide proof of income, identification, and a bank account. Once your information is verified, you may receive approval and funds quickly, sometimes on the same day.

What are the costs involved with short-term loans?

The costs associated with short-term loans can include interest rates, processing fees, and late payment charges. Given their short repayment periods, careful consideration should be paid to the effective annual rates, which can be significantly higher than traditional loans.

Find Short-term Loans Near Me

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Troy ZIP Codes

45373
45374