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Best Online Short-term Loans in Wheat Ridge

Strapped for cash and need quick help? You're not alone. Many face financial hiccups that can't wait, and that's where our Best Cash Advance Short-term Loans step in. It's frustrating dealing with unforeseen expenses without a safety net. But don't stress! Our service provides a swift, hassle-free solution to ease your financial strain. Skip the long waits and complex paperwork. Get the funds you need right when you need them. Experience reliability and speed with our top-notch short-term loans designed to help you bounce back fast. Let us be your financial lifeline today!

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Best Online Short-term Loans in Wheat Ridge

Pine Financial Group
Financial institution
4.90
10 reviews

Address: 6990 W 38th Ave Suite 208, Wheat Ridge, CO 80033

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

Phone Number: +1 (303) 835-4445

Website: pinefinancialgroup.com

Services:

Acquisition Loans Active Investing Active Investments Adjustable Rate Loan Adjustable Rate Mortgage Alternative Financing Alternative Investments Asset Protection Bank Financing Bridge Loans Brokerage Accounts Business Loans Business Plan Cash Loans Commercial Loan Commercial Real Estate Construction Financing Construction Loan Conventional Financing Conventional Loans Exit Strategies Fha Loan Financial Planning Financial Planning Advice Fixed Rate Loans Growth Plans Individual Loans Individual Retirement Instalment Loan Investment Advice Investment Financing Investment Loans Investment Portfolio Investment Strategies Investor Loan Ira Individual Retirement Accounts Ira Investments Ira Set Up Irs Audits Lending Solutions Money Loans Mortgage Insurance New Construction Owner Finance Personal Loans Personalized Service Private Lending Real Estate Developers Real Estate Financing Real Estate Investments Real Estate Investors Real Estate Lending Real Estate Loans Rehab Loans Renovation Loans Repair Escrow Residential Loan Self-Directed Ira Short Term Financing Short Term Lending Tax Returns Term Loan Title Insurance
Foundation Kia
Financial institution
4.50
87 reviews

Address: 11201 W Interstate 70 Frontage Rd N, Wheat Ridge, CO 80033

Today's Business Hours: 9:00 AM - 8:00 PM

Phone Number: +1 (720) 340-7684

Website: foundationkia.com

Services:

Auto Financing Lease Loan Monthly Payment Calculator Value Your Vehicle

Alternatives to Short-term Loans in Wheat Ridge

Short-term loans are financial products designed to offer quick access to funds for a brief period. Personal loans are often unsecured, require minimal documentation, and can be used for various purposes, but typically come with higher interest rates due to the lack of collateral. Installment loans provide borrowers with a fixed amount of money that is repaid over scheduled payments, offering the predictability of fixed rates but often requiring a good credit score. Title loans, on the other hand, are secured loans where borrowers use their vehicle's title as collateral; they're appealing for their speed and accessibility but can be risky due to the potential loss of the asset upon default.

Best Personal Loan

Edward Terrazas, NMLS# 296887
5.00
2 reviews

Personal loans are a flexible type of short-term loan that can be used for a variety of purposes such as consolidating debt, covering unexpected expenses, or funding a major purchase. These loans are typically unsecured, meaning they don’t require collateral, and are offered by banks, credit unions, and online lenders. One of the best personal loans, known for competitive interest rates and flexible terms, is offered by SoFi. SoFi provides low fees and perks like unemployment protection, making it a popular choice for those seeking flexible short-term financing.

Loan Regulations in Colorado

Short-term loan regulations are governed by state-wide laws to protect consumers in Colorado. The maximum allowable annual percentage rate (APR) on short-term loans in Colorado is capped at 36%. This significantly reduces the overall cost of borrowing, making it a more affordable option for consumers.

Eligibility requirements for short-term loans typically include being at least 18 years old, having a valid government-issued ID, proof of a steady income source, and an active checking account. Loan terms can vary but often span from a minimum of six months to a maximum of 12 months.

Colorado's short-term loan regulations also restrict borrowers from taking out more than one short-term loan at a time, helping to prevent debt cycles. Lenders are required to provide clear and transparent loan agreements, outlining all terms, fees, and repayment schedules.

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.

B&B/Guest House
8175 West 48th Avenue, Wheat Ridge, CO 80033
+1 (303) 432-8860
Car Repair and Service
9205 West 44th Avenue, Wheat Ridge, CO 80033
+1 (303) 421-2447
Car Wash
6800 West 44th Avenue, Wheat Ridge, CO 80033
+1 (303) 425-3552
Club & Association
3850 North High Court, Wheat Ridge, CO 80033
+1 (303) 424-9081
College/University
5181 Ward Road, Wheat Ridge, CO 80033
+1 (303) 421-7484
Community Center
4350 Wadsworth Boulevard, Wheat Ridge, CO 80033
+1 (720) 259-1030
Dentist
4331 Harlan Street, Wheat Ridge, CO 80033
+1 (303) 423-0584
Doctor
7777 West 38th Avenue, Wheat Ridge, CO 80033
+1 (864) 905-8640
Fitness Club & Center
6990 West 38th Avenue, Wheat Ridge, CO 80033
+1 (720) 772-8540
Government Office
3798 Marshall Street, Wheat Ridge, CO 80033
+1 (720) 259-1030
Hospital
4350 Wadsworth Boulevard, Wheat Ridge, CO 80033
+1 (303) 940-7222
Library
10790 West 50th Avenue, Wheat Ridge, CO 80033
+1 (303) 403-5075
Museum
4610 Robb Street, Wheat Ridge, CO 80033
+1 (303) 421-9111
Optician
7760 West 38th Avenue, Wheat Ridge, CO 80033
+1 (720) 931-6365
Pharmacy
6650 West 38th Avenue, Wheat Ridge, CO 80033
+1 (303) 421-6111

FAQ

What are short-term loans?

Short-term loans are financial products designed to help individuals access funds quickly for urgent expenses. These loans typically have a repayment period ranging from a few weeks to a few months. They are ideal for covering unexpected costs or bridging financial gaps until your next paycheck.

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

Yes, you can obtain a short-term loan even if you have bad credit. Many lenders offer specialized services for individuals with less-than-perfect credit histories. These lenders focus more on your current ability to repay the loan rather than your past credit performance.

How do same-day loans work?

Same-day loans are designed to provide quick access to cash. Once you submit your application and it gets approved, the funds are typically disbursed into your bank account on the same day. This makes them a convenient option for urgent financial needs.

What are short-term loans?

Short-term loans are a type of short-term loan where the borrower receives a small amount of money, typically due on their next payday. These loans often come with high-interest rates and fees, making them an expensive borrowing option for immediate financial needs.

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

The amount you can borrow with a short-term loan varies by lender, but it typically ranges from a few hundred to a few thousand dollars. The lender will assess your income, creditworthiness, and state regulations to determine your eligible loan amount.

What are the interest rates and fees associated with short-term loans?

Short-term loans often carry higher interest rates and fees compared to traditional loans because they are meant to be quick fixes for immediate financial needs. It's important to understand the cost of the loan, including interest and fees, before committing to ensure it's a financially sound decision.

How do I apply for a short-term loan?

You can apply for a short-term loan through various methods, including online application portals, in-store applications, or by phone. The process typically involves providing personal information, proof of income, and bank details. Once your application is reviewed and approved, you will receive the funds according to the lender's guidelines.

Find Short-term Loans Near Me

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Wheat Ridge ZIP Codes

80002
80033
80034
80212
80214
80215
80401
80403