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Best Online Short-term Loans in Woodinville

Need quick cash to tackle unexpected expenses? You're not alone! We understand the stress of sudden financial crunches, and that's why we're here with our Best Cash Advance Short-term Loans. Designed to bridge the gap between paychecks, our loans offer a swift solution to your urgent needs. No more sleepless nights worrying about overdue bills or surprise costs. Let us help you regain financial peace of mind with an easy, hassle-free loan application process tailored just for you. Choose us for fast and reliable short-term loans and move forward with confidence!

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Best Online Short-term Loans in Woodinville

Paul DeLong, CPA
Financial institution
4.40
5 reviews

Address: 14522 NE North Woodinville Way # 204, Woodinville, WA 98072

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

Phone Number: +1 (425) 402-8815

Website: pauldelongcpa.com

Services:

Business consulting Business startup services Business tax planning Business tax return preparation IRS representation & resolution Individual income tax return preparation Individual tax planning Trusts & estates accounting Business And Personal Taxes Business Restructuring Business Valuations Cash Flow Management Cash Flow Projections Client Reviews Estate Taxes Inheritance Tax Investment Strategies Irs Levies Irs Liens Irs Payment Plan Irs Tax Forms Management Strategic Non-Filed Tax Returns Project Management Record Retention Schedule Consultation State Tax Forms Tax Advice Tax Compliance Tax Consequences Tax Law Tax Liability Tax Organizers Tax Projections Tax Rates Tax Saving Strategies Tax Strategies For Business Owners Trust Taxes
Pamela O'Dell, Coastal Community Bank
Loan agency

Address: 17601 140th Ave NE Suite 100, Woodinville, WA 98072

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

Phone Number: +1 (425) 402-1308

Website: coastalbank.com/woodinville

Keith Mires, Coastal Community Bank
Loan agency

Address: 17601 140th Ave NE Suite 100, Woodinville, WA 98072

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

Phone Number: +1 (425) 402-3107

Website: coastalbank.com/woodinville

Alternatives to Short-term Loans in Woodinville

Short-term loans are financial products designed to provide immediate access to money with the expectation of repayment within a short period, usually from several weeks to a few months. Personal loans can be unsecured, requiring no collateral, and are based primarily on an individual's creditworthiness, offering flexibility for various expenses. Installment loans are repaid over a set schedule with fixed payments, making budgeting easier, and they often accommodate borrowers with lower credit scores, albeit potentially at higher interest rates. Title loans are secured loans that use the borrower's vehicle title as collateral, typically allowing for quick approval and funding, but they pose a risk of losing one's vehicle if payments are not met in time, often carrying high-interest rates and fees.

Best Personal Loan

Coastal Community Bank
5.00
2 reviews

Short-term personal loans are unsecured loans that individuals can obtain to cover unexpected expenses or financial emergencies. These loans typically require a simple application process and can be approved quickly, often without the need for extensive credit checks. One popular option for the best personal short-term loans is a payday loan, which provides borrowers with a small amount of money that must be repaid by their next paycheck. While convenient, these loans often come with high interest rates, making them more suitable for immediate financial needs rather than long-term solutions.

Best Car Title Loan

Cash for Cars and Consignments Too
4.80
10 reviews

Title loans are a subset of short-term financing where borrowers use their vehicle title as collateral to secure the loan. These loans are attractive to those who may not have strong credit scores, as the value of the vehicle often determines the loan amount. However, title loans can be risky, as defaulting on the payment could result in the loss of the vehicle. The best title loans are those that offer clear terms, competitive interest rates, and the opportunity for borrowers to retain their vehicle while repaying the debt. Borrowers should carefully assess their ability to repay the loan within the agreed timeframe to avoid detrimental consequences.

Loan Regulations in Washington

In Washington, short-term loan regulations are designed to protect consumers while providing access to short-term credit. The state has implemented rules such as a maximum loan amount of $700 or 30% of the borrower’s gross monthly income, whichever is lower. Washington also limits the number of loans to 8 within 12 months. Short-term loan terms must be your next pay date or within 45 days. The Annual Percentage Rate (APR) is capped, with a maximum rate of 391% on a 14-day loan.

Borrowers must be 18 years or older and have a regular income to qualify for a short-term loan. Lenders are also required to provide a clear repayment plan and they must check the state database to ensure borrowers do not exceed the maximum loan limit. These regulations apply statewide, ensuring consistency and protection across all of Washington.

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 already secured a short-term loan, this financial assistance can be effectively utilized in various essential local services. Whether addressing urgent medical expenses, handling necessary car repairs, covering legal fees, managing funeral costs, or financing new appliances, a short-term loan offers a valuable resource to ensure these critical needs are met promptly and efficiently.

Car Glass Replacement Shop
14201 Northeast 190th Street, Woodinville, WA 98072
+1 (425) 492-9164
Car Wash
19171 144th Avenue Northeast, Woodinville, WA 98072
+1 (425) 949-8275
Club & Association
15327 140th Place Northeast, Woodinville, WA 98072
+1 (425) 375-7759
College/University
14134 Northeast Woodinville Duvall Road, Woodinville, WA 98072
+1 (425) 381-4555
Community Center
17401 133rd Avenue Northeast, Woodinville, WA 98072
+1 (425) 487-1356
Dentist
17000 140th Avenue Northeast, Woodinville, WA 98072
+1 (425) 375-2930
Fast Food
14184 Northeast Woodinville Duvall Road, Woodinville, WA 98072
Fitness Club & Center
17255 135th Avenue Northeast, Woodinville, WA 98072
+1 (425) 892-8816
Government Office
19900 144th Avenue Northeast, Woodinville, WA 98072
+1 (425) 424-0682
Hotel
19211 Woodinville Snohomish Road, Woodinville, WA 98072
+1 (425) 788-9247
Library
17105 Avondale Road Northeast, Woodinville, WA 98072
+1 (425) 788-0733
Movie Theater
17640 Garden Way NE, Woodinville, WA 98072
+1 (425) 482-6538
Museum
Northeast 177th Drive, Woodinville, WA 98072
Pharmacy
14035 Northeast Woodinville Duvall Road, Woodinville, WA 98072
+1 (800) 748-3243
Post Office
14241 Northeast Woodinville Duvall Road, Woodinville, WA 98072
+1 (425) 486-6245

FAQ

What are Short-term Loans?

Short-term loans are financial products designed to provide quick cash with a relatively short repayment period, usually ranging from a few weeks to a month. They are particularly useful for addressing unexpected expenses or urgent financial needs.

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

Yes, it is possible to get a short-term loan with bad credit. Many lenders offer loans specifically designed for individuals with poor credit histories. However, these loans often come with higher interest rates to offset the risk to the lender. It’s important to compare different offers and read the terms and conditions carefully.

What is a Same-day Loan?

A same-day loan is a type of short-term loan where the funds are disbursed on the same day your application is approved. These loans are ideal for individuals who need immediate cash for urgent expenses. However, it’s crucial to have your documentation ready and meet all lender requirements to facilitate quick processing.

Is a Short-term Loan the Same as a Short-term Loan?

While all short-term loans are short-term loans, not all short-term loans are short-term loans. Short-term loans are a specific type of short-term loan that is typically due in a lump sum on your next payday, hence the name. Other types of short-term loans may offer more flexible repayment options.

How Can I Apply for a Short-term Loan?

To apply for a short-term loan, start by researching and selecting a reputable lender who meets your needs. You can apply online or in person by providing personal information, proof of income, banking details, and any other documentation required by the lender. The approval process is usually quick, and you may receive funds as soon as the same day.

What are the Risks of Short-term Loans?

Short-term loans can be convenient, but they also come with risks. These loans generally have higher interest rates, which can make them expensive if not repaid on time. Failure to repay a short-term loan can result in additional fees, a negative impact on your credit score, and potential collection actions. It is crucial to assess your ability to repay before taking out a short-term loan.

How Do I Compare Short-term Loan Offers?

When comparing short-term loan offers, consider the interest rate, repayment terms, any fees, and the lender's reputation. Use online comparison tools to evaluate different options and ensure you understand the total cost of the loan. Reading customer reviews and verifying the lender’s credentials can also help in making an informed decision.

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Woodinville ZIP Codes

98072