Loans Near Me | Local Online Loan Directory 2019 - CreditRaters.com page
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  • Loan Amount
    $1000 - $10000
  • Loan Term
    60 Months
  • APR Range
    34% - 155%
Net Credit
  • Personal Loans $1,000 - $10,000
  • Line of Credit up to $3,500
  • 14 States Covered
  • Loan Amount
    $1000 - $5000
  • Loan Term
    48 Months
  • APR Range
    29% – 299%
Loan Now
  • Lightning fast online applications
  • Funds typically deposited within 24 hours of acceptance
  • Repay the balance over multiple months to reduce each repayment
  • Loan Amount
    $100 - $1000
  • Loan Term
    30 Months
  • APR Range
    26.88% - 1303.57%
Amount $200, Finance Charge $35.20, APR: 229.43%, Repayment $235.20 on 30 days Lend Up
  • Loans available within 1 business day of acceptance
  • Multiple repayment options including debit card, MoneyGram and check
  • Clear your outstanding balance early without early repayment charges
  • Loan Amount
    $300 - $750
  • Loan Term
    6 Months
  • APR Range
    190%
Loan Amount $400, 120 days. Total of payments $569.88, APR 190%. Fig Loans
  • 9.7 TrustPilot Score
  • Instalment loans and credit lines
  • Fast acceptance rate
  • Loan Amount
    $100 - $1500
  • Loan Term
    12 Months
  • APR Range
    390%
Check Into Cash
  • Providing short term loans for more than 25 years
  • Excellent selection of short term loans
  • Outstanding customer service
  • Loan Amount
    $100 - $1000
  • Loan Term
    6 Months
  • APR Range
    618%
A $500 loan over a period of 182 days with 13 bi-weekly payments (every 14 days) would have a payment of $89.24 with an APR of 387.92%. Check City
  • Online and in store loans available
  • Payday loans from 1 – 40 days
  • Loans paid within 24 hours of acceptance
  • Loan Amount
    $1 - $2400
  • Loan Term
    35 Months
  • APR Range
    90% - 805%
Cash Net USA
  • Multiple products to choose from
  • Quick and easy online application
  • Instant decision and same day cash transfer available
  • Loan Amount
    $100 - $500
  • Loan Term
    24 Months
  • APR Range
    150% - 450%
24-month installment loan of $2,501 would require 24 monthly installments of $400.39 per month, which totals $9,609.36 when all is said and done. Cash Central
  • Competitively priced against similar short term loans
  • Confidential online service
  • Get a decision in seconds and funds in minutes (if accepted by 7.45pm EST Mon - Thur)
  • Loan Amount
    $100 - $2500
  • Loan Term
    9 Months
  • APR Range
    471% - 841%
Blue Trust Loans
  • A higher maximum borrowing limit of up to $2,500
  • Longer repayment periods of up to 10 months
  • Reduced fees of up to $16.00 per $100 borrowed
  • Loan Amount
    $200 - $1500
  • Loan Term
    18 Months
  • APR Range
    35% - 600%
Repay $1,000 over 13 bi-weekly payments at an APR of 344.85%, this would be made up of 12 payments of $175.95 and a final one off repayment of $175.08 upon completion. Big Picture Loans
  • Tribal status means they're able to offer their own lending terms without state restrictions
  • 91% of accepted applications paid within 24 hours
  • Customer service team available 24/7
  • Loan Amount
    $500 - $5000
  • Loan Term
    36 Months
  • APR Range
    187% - 412%
Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. Total repayment will be $2,203.56 Bad Credit Loans
  • Able to assist borrowers from all credit backgrounds
  • Loans are unsecured meaning none of your assets are at risk
  • Accepted loans typically deposited within 24 hours
  • Loan Amount
    $50 - $4000
  • Loan Term
    18 Months
  • APR Range
    400% - 521%
AmeriCash
  • Excellent customer service track record
  • Lightning fast online application
  • High acceptance rates
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    143% - 688%
Advance America
  • Lightning quick deposits
  • High acceptance rates
  • Broad range of lending products
  • Loan Amount
    $100 - $1500
  • Loan Term
    30 Months
  • APR Range
    214.62% - 611%
Ace Cash Express
  • More than 50 years of experience providing short term loans
  • Wide range of lending products available
  • Excellent customer service record
  • Loan Amount
    $2600 - $100000
  • Loan Term
    180 Months
  • APR Range
    13.33%
The Loan Exchange
  • Complete an application for free! Applying does not impact your credit score!
  • Select the offer that works best for you and save your offers for up to 30 days!
  • Your funds will be deposited right into your account in as little as one business day!
  • Loan Amount
    $500 - $5000
  • Loan Term
    18 Months
  • APR Range
    59% - 160%
Loan Amount $2000, 9 monthly payments of $395,58. Total of payments $3,560.22, APR 160%. OppLoans
  • Get approved today with an easy online loan application!
  • Once approved, receive money in your account as soon as the next business day!
  • Payday loans average an APR of 400%. Compare to maximum 199% APR offered through OppLoans!
  • Loan Amount
    $400 - $50000
  • Loan Term
    24 Months
  • APR Range
    521.43% - 1173.21%
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. Honest Loans
  • Submit to borrow up to $50,000!
  • Works with wide range of lenders!
  • Friendly and fast loan broker!
  • Loan Amount
    $100 - $5000
  • Loan Term
    6 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Credit Clock
  • Same day credit available!
  • Lends to most states in America!
  • Repay your loan early anytime!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Money Lender Squad
  • New 2019 American loan broker!
  • Access over 30 lenders in 1 application!
  • Low APR rates and cheap monthly installments!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Viva PaydayLoans
  • No previous credit history required!
  • Same day funding as quick as 10 minutes!
  • All employment types considered, even military!

The online loans market is by far the easiest way to search and apply for loans these days, but it wasn’t that long ago that the dominant forces in the market were bank branches and loan shops.

Today, there are still thousands of loan stores located throughout the United States, offering the face to face application process and service that many people prefer. If you’re completely in the dark over loans and loan types, it can also help to chat to someone about your options, however, they won’t be able to provide you with any formal financial advice.

Read on to learn more about the pros and cons of using loan shops, how you can search for ‘loans near me’ and the documentation you may need to take along with you.

How Do Loan Shops Work?

Loan shops often provide a range of their own financial products to customers through face to face lending. If there’s a loan shop available in your local area, you’ll need to visit their store and discuss the purpose of your loan and financial circumstances with a customer adviser. They’ll draw up a credit agreement and talk you through the amounts you’ll need to repay,

If both parties are happy to proceed you’ll be issued with your loan either by cash, cheque or bank transfer depending on your preference, although certain methods can carry additional charges.

Rather than comparing hundreds of products from across the US market, loan shops will usually have a limited selection of loan types based on their in-house lending criteria. This can make it tricky to get accepted if you don’t meet these eligibility restrictions, so do check their requirements before applying.

Let’s take a quick rundown of the pros and cons of searching for ‘loan stores near me’.

Pros

Whilst online lending is, of course, a quicker way to borrow money, searching for ‘loans near me’ and visiting in person does have its benefits.

Cons

As with any lending stream, there will always be drawbacks and loan shops are no different. 

How Can I Find Loan Stores Near Me?

Many loan shops actually offer their loans online and so it’s well worth getting a comparison from Credit Raters to compare their products with online lenders first. You may find that they can offer everything you need straight away without having to make an appointment or visit them in person. 

If you do decide to venture out then searching for ‘loan stores near me’ in Google or your local search directory is the best way to start. You may also be able to find the closest options to your location by searching for loan shops through any maps app on your mobile.

Can I Apply For Loans Near Me With Bad Credit?

Yes, although you find it much harder to get accepted through an independent loan shop rather than taking out loans online.

Loan shops using very strict criteria when it comes to assessing loan applications. Rather than having the flexibility to apply to multiple lenders or search those who specialise in bad credit loans, loan shops will have one hard and fast eligibility criteria which can make bad credit loans harder to come by.

Although each loan shop offers different products and services, you may be able to use collateral such as jewelry, technology or assets of value to help reduce your lending risk, lower interest rates and improve your chances of acceptance.

However, you’ll need to ensure that you repay your loan on time or you risk losing these items for good.

How Can I Apply For Loans Near Me?

To begin the process of applying for credit through loan stores, you’ll first want to make sure that you’re getting a good rate so pop in to a couple of local branches just to make sure that the interest rates and loan amounts are in the right ballpark.

Ensure that you have plenty of documentation with you to save on future trips. This can include, but isn’t limited to:

You’ll need to provide similar information to that which you’d enter online and a hard credit check will usually be carried out straight away to determine affordability and creditworthiness. If accepted, funds will usually be provided straight away.