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Life has a way of throwing curveballs. And, unfortunately, those curveballs have a way of costing money.
It happens to everyone at some point: something happens, and suddenly you find yourself faced with a financial emergency, a mountain of unplanned expenses, or a looming debt deadline. Regardless of the circumstances, there may come a time when you need some money and feel like you have nowhere to turn.
Short-term loans serve as a solution for life’s less pleasant surprises. With a short-term loan, you get immediate access to the funds you need without putting yourself on the hook for years to come.
As their name implies, short-term loans are monetary loans that come with shorter repayment terms. A “term” is simply the amount of time it takes for the borrower to pay back the loan.
The exact length of these terms can vary. In most cases, however, short-term loans have terms of 12 months or less. Shorter terms help keep things simple for both sides.
Whereas long-term loans often involve big principals and drawn-out term agreements, short-term loans unlock smaller sums right away, and can easily be repaid in a matter of weeks or months. This makes them perfect for anyone in need of a little assistance here and now.
Short-term loans are processed quickly and with minimal hassle, which means the interest rates attached to them tend to be a bit higher than those applied to long-term financing plans.
The flipside of this slight increase is fewer eligibility requirements, unmatched convenience, and the peace of mind that comes from knowing there are fewer obstacles between you and your money.
If you’re thinking about applying for a short-term loan, compare quick short-term loans online with King of Kash today to make sure you’re getting the kind of stress-free borrowing experience you deserve.
Not all financial situations are alike, and we believe that short-term loans shouldn’t be, either. That’s why we offer two different plans for borrowers seeking quick cash. More flexibility means more freedom.
Payday loans, also commonly known as “cash advances,” are short-term loans meant to help borrowers cover their costs until payday.
They’re a low-risk, high-reward option that’s well-suited for any number of everyday uses, whether it be buying groceries, paying medical bills, or repairing a broken-down automobile.
These sorts of loans are typically small, with lots of different funding options available. When your next paycheck comes in, you simply pay back your original principal along with any associated fees, which you’ll be made aware of upfront. One and done.
Installment loans work similarly to traditional long-term loans: if approved, the borrower commits to paying back the loan through a series of regular installments over an agreed-upon period.
The difference is that the terms for these loans rarely exceed 12 months, meaning you won’t be left struggling to overcome the burden of mounting interest indefinitely.
Installment loans promise payouts of up to $5,000—much higher than the average payday loan. If you have expenses heftier than those that a payday loan is designed to deal with, an installment loan is the way to go.
With an installment loan, interest accrues daily, so the faster you pay it back, the less you’ll end up paying overall. Fortunately, there’s no limit to how much you can pay each period in addition to your minimum payment.
If you’re up against an unexpected financial setback, the last thing you need is to be buried under mountains of paperwork or left hanging about the status of your loan.
Our borrower-focused application process puts you first and takes as much off your plate as possible.
You can apply for short-term loans online, over the phone at 800-892-3006, or at any of our in-store locations. No matter where you happen to be, we’re there for you.
We process both your application and your loan in-house. We cut out the middleman and put money directly in your bank account without forcing you to jump through hoops or get involved in any complicated third-party arrangements.
We know you don’t have the luxury of waiting around for days or weeks to find out whether you’ve been approved. Our short-term lenders guarantee a lightning-fast response to each and every application, regardless of how you apply.
We work hard to secure you the maximum amount of funding as determined by your income and the laws in your state, and we never impose any restrictive minimums.
To get approved for a short-term loan with King of Kash, all you need is a checking account, a valid form of identification, and proof of recurring income.
Filling out an application only takes a few minutes. When you’re finished, our lenders will review your information and make a decision on the spot, no waiting required.
Upon approval, you get to choose how you receive your money.
If you apply in-store, you can walk away with cash in hand. If you apply online or by phone, you have the option of having your funds deposited directly to your bank account which is the fastest remote funding option we offer.
No matter which option you choose, our loan process is set up with the express purpose of making life easier for you.
If, like many people, you have more financial obligations than immediate resources, King of Kash is the lifeline you’ve been looking for. We’re on standby to connect you with the cash you need and help you stay on your feet.
To find out more, check out the Frequently Asked Questions section of our website, call us anytime at 1-800-892-3006, or drop in at one of our many locations nationwide.