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Best Online Short-term Loans in Wilsonville

Need quick cash? Our Best Cash Advance Short-term Loans are here to help! Unexpected expenses can turn even the most organized budget upside-down, causing stress and confusion. Don't let bills pile up and worry you any longer. Our fast, easy-to-access short-term loans provide the perfect solution, giving you the financial flexibility you need right when you need it. With our reliable service, you can access funds swiftly and regain control. Let us be your trusted partner in overcoming short-term financial hurdles. Explore our services now and discover how simple it is to bridge the gap till your next paycheck!

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Best Online Short-term Loans in Wilsonville

ACE Cash Express
Loan agency
4.90
10 reviews

Address: 29955 SW Boones Ferry Rd Ste H, Wilsonville, OR 97070

Phone Number: +1 (503) 582-0870

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Ace Elite™ Visa® Prepaid Debit Card Atm Services Auto Loans Auto Mortgage Auto Repair Bills Online Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Credit Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Financial Services Financial Solution Home Mortgage Home Repair Identity Verification Individual Payment Instant Loan Loan Application Loan Funding Loans Money Money Management Online Payment Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Short Term Loans Online Tax Preparation

Alternatives to Short-term Loans in Wilsonville

Short-term loans, often designed to address immediate financial needs, come in various forms including personal loans, installment loans, and title loans. Personal loans are typically unsecured and require no collateral, offering borrowers flexibility but often at higher interest rates. Installment loans allow borrowers to repay the borrowed amount over a set period through regularly scheduled payments, making them manageable but also at risk of accruing additional interest if extended over time. Title loans, on the other hand, use the borrower’s vehicle title as collateral, providing quick access to funds but posing the risk of losing the vehicle if the loan is not repaid. Each type serves a different purpose and carries its own set of risks and benefits, requiring careful consideration based on individual circumstances.

Best Personal Loan

Michelle Kirkendall, Mortgage Broker NMLS #266994
5.00
10 reviews

Short-term personal loans are typically unsecured loans granted based on the borrower's creditworthiness. This makes them an attractive option for borrowers who may not own collateral. The best personal short-term loans often have lower interest rates compared to payday loans and offer more flexibility in repayment terms. These loans are generally used for emergencies or unexpected expenses and can be obtained quickly from online lenders or financial institutions.

Best Installment Loan

Robert W. Bennett CPA PC
5.00
1 reviews

Installment loans are another common type of short-term financing. They provide borrowers with a lump sum of money that is repaid over a set period in regular installments, which can help with budgeting and managing repayments. For installment loans, LightStream is often considered the best choice due to its competitive rates, no fees, and a wide range of loan amounts and terms suitable for different borrowers with good to excellent credit.

Best Car Title Loan

The Carpenter Group
5.00
10 reviews

Title loans, which use the borrower's vehicle title as collateral, are another type of short-term loan, typically chosen by those who need quick cash and may not have another borrowing option due to poor credit. One of the best and widely used options for title loans is the single-payment title loan. In this type, borrowers provide the title of their vehicle and receive a loan amount that is a percentage of their car’s value. While these loans offer an easy and fast approval process, they come with high-interest rates and the risk of losing the vehicle if the loan is not repaid on time. Borrowers should ensure they can meet the repayment terms before opting for this type of loan.

Loan Regulations in Oregon

Oregon has established state-wide regulations for short-term loans to safeguard borrowers and ensure fair lending practices. The maximum loan amount a borrower can take out is $50,000, provided the amount does not exceed 25% of the borrower's net monthly income if they earn $60,000 per year or less. Short-term loan terms must be at least 31 days, with the law capping the maximum APR (Annual Percentage Rate) on a short-term loan at 36%. In addition to this, lenders can charge an origination fee once per loan, and these fees are also regulated.

Borrowers must be residents of Oregon and provide proof of income to establish eligibility for a short-term loan. Furthermore, rollovers are prohibited, and borrowers cannot have more than one outstanding short-term loan at a time.

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

After taking out a short-term loan, individuals can allocate funds across essential local service providers including medical, car repair, legal, funeral, and appliance services. Such financial support empowers borrowers to address urgent health care needs, vehicle maintenance for dependable transportation, legal counsel for pressing matters, and expenses related to funeral arrangements. Additionally, purchasing or repairing home appliances ensures everyday convenience and functionality.

Car Repair and Service
9200 SW Bailey Street, Wilsonville, OR 97070
+1 (503) 783-5980
Car Wash
25601 Southwest Newland Road, Wilsonville, OR 97070
+1 (503) 638-0468
Club & Association
28601 Southwest Morningside Avenue, Wilsonville, OR 97070
College/University
29970 Southwest Town Center Loop West, Wilsonville, OR 97070
+1 (503) 685-9389
Community Center
8855 Southwest Holly Lane, Wilsonville, OR 97070
+1 (503) 682-2310
Dentist
30485 Southwest Boones Ferry Road, Wilsonville, OR 97070
+1 (214) 748-3647
Fitness Club & Center
25589 Southwest Canyon Creek Road, Wilsonville, OR 97070
+1 (541) 808-1774
Government Office
25434 Southwest Parkway Avenue, Wilsonville, OR 97070
+1 (503) 570-6271
Hairdresser
29702 Southwest Town Center Loop West, Wilsonville, OR 97070
+1 (503) 682-9779
Hospital
29345 Southwest Town Center Loop East, Wilsonville, OR 97070
+1 (503) 582-2100
Local Post Office
29333 Southwest Town Center Loop East, Wilsonville, OR 97070
+1 (800) 275-8777
Motel
25438 Southwest Parkway Avenue, Wilsonville, OR 97070
+1 (503) 682-2088
Movie Theater
29300 Southwest Town Center Loop East, Wilsonville, OR 97070
+1 (844) 462-7342
Museum
8200 Southwest Wilsonville Road, Wilsonville, OR 97070
+1 (503) 682-2744
Pharmacy
25900 Southwest Heather Place, Wilsonville, OR 97070
+1 (503) 825-4002

FAQ

What is a short-term loan?

A short-term loan is a type of credit that is designed to be repaid in a short period, usually within a few months. This type of loan can provide quick access to funds for unexpected expenses.

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

Yes, many lenders specialize in offering short-term loans to individuals with bad credit. However, these loans might come with higher interest rates due to the increased risk for the lender.

How fast can I receive the funds from a same-day loan?

Same-day loans are designed to provide you with funds quickly. If approved, you may receive the money in your bank account within the same day, depending on the lender and your bank's processing times.

What are short-term loans?

Short-term loans are a type of short-term loan that is typically due on your next payday. They are designed to cover immediate cash needs until your next paycheck.

What are the general eligibility criteria for a short-term loan?

Eligibility criteria may vary between lenders but generally include being at least 18 years old, having a steady source of income, and an active bank account. Some lenders may have additional specific requirements.

Are there any risks associated with short-term loans?

Short-term loans often come with high interest rates and fees, making them expensive if not repaid on time. It's crucial to fully understand the terms and ensure you can meet the repayment obligations before taking out a short-term loan.

How can I apply for a short-term loan?

You can apply for a short-term loan online by visiting a lender's website, where you'll need to fill out an application form and provide necessary documents such as identification and proof of income. Some lenders also offer in-store applications.

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Wilsonville ZIP Codes

97070
97140