Waterford Personal Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in Connecticut

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Eligibility Criteria for Personal Loans

  • Valid government-issued identification
  • Proof of consistent income or recent pay stubs
  • Bank account with direct deposit capability
  • Active and valid phone number and email address
  • No ongoing bankruptcy proceedings
  • Must be at least 18 years of age or older
  • Proof of residency (utility bills or lease agreements)
  • Completed application form with accurate information

Trusted Personal Loan Lenders in Waterford, CT

Discover reliable personal loan lenders dedicated to empowering your financial journey with transparency and trust, ensuring you receive the best service and support tailored to your needs.

Lender
User Ratings
Address
Phone
Category
People's United Bank
User Raiting:
4.90
Address: 716 Broad Street Ext, Waterford, CT 06385
Phone: +1 (860) 447-1401
Category: Bank
Charter Oak Federal Credit Union
User Raiting:
4.00
Address: 3 Boston Post Rd, Waterford, CT 06385
Phone: +1 (860) 446-8085
Category: Financial institution
Chelsea Groton Bank
User Raiting:
4.00
Address: 157 Boston Post Rd, Waterford, CT 06385
Phone: +1 (860) 448-4262
Category: Bank
Charter Oak Federal Credit Union
User Raiting:
3.80
Address: 1055 Hartford Turnpike, Waterford, CT 06385
Phone: +1 (860) 446-8085
Category: Financial institution
Citizens Bank
User Raiting:
3.60
Address: 117 Boston Post Rd, Waterford, CT 06385
Phone: +1 (860) 444-3563
Category: Bank

What Are the Alternatives for Short-term Loans in Waterford?

Discover various financial alternatives to payday loans, including credit unions, personal loans, and budgeting tools, designed to offer more sustainable and affordable solutions for managing financial challenges.

Quick Installment Loans

Quick installment loans are borrowed funds repaid over time with scheduled payments; suitable for larger expenses, providing predictable payments and potentially lower interest rates compared to short-term options.

Instant Cash Loans

Instant cash loans offer small, short-term borrowing with minimal approval time, helping you cover urgent financial needs quickly but often with higher interest rates than other loan types.

Online Title Loans

Online title loans allow borrowers to secure funds using their vehicle as collateral, providing fast access but risking vehicle repossession if unable to repay but often without a credit check.

Emergency Loans No Credit Check

Emergency loans with no credit check help address unexpected expenses swiftly, often without rigorous credit evaluations, ensuring accessibility but typically at a higher cost and interest rate.

Payday Loans Online

Payday loans online offer short-term, high-interest credit due by next paycheck, useful for bridging immediate financial gaps but risky due to high fees and potential debt cycle.

Guaranteed P2P Loans

Guaranteed P2P (Peer-to-Peer) loans facilitate personal borrowing from individuals rather than banks, often with favorable terms but requiring trust in the lending platform's reputation and processes.

Debt Consolidation Loans Fast

Fast debt consolidation loans combine multiple debts into one payment with potentially lower interest; aligning repayments to streamline finances, reducing the burden of juggling various loans.

Bad Credit Loans Guaranteed

Guaranteed bad credit loans offer funding to those with low credit scores, providing essential financial lifelines while often accompanied by higher interest to offset lender risk.

How to Use Personal Loans - Useful Resources

Explore essential resources on responsibly utilizing personal loans, understanding their benefits and risks, and making informed financial decisions to seamlessly manage short-term financial needs.

Industry
Address
Phone
Car Accessories
Address: 38 Boston Post Road, Waterford, CT 06385
Phone: +1 (860) 447-8443
Dentist
Address: 744 Broad Street Extension, Waterford, CT 06385
Phone: +1 (860) 444-0601
General Practitioner
Address: 196 waterford Parkway South, Waterford, CT 06385
Phone: +1 (860) 447-2489
Government Office
Address: 15 Rope Ferry Road, Waterford, CT 06385
Phone: +1 (860) 444-5832
Hotel
Address: 211 Waterford Parkway North, Waterford, CT 06385
Phone: +1 (860) 442-7227
Museum
Address: 305 Great Neck Road, Waterford, CT 06385
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Pharmacy
Address: 900 Hartford Turnpike, Waterford, CT 06385
Phone: +1 (860) 443-3171
Post Office
Address: Boston Post Road, Waterford, CT 06385
Phone: +1 (860) 446-6687
Shopping Center
Address: 850 Hartford Tpke, Waterford, CT 06385
Phone: +1 (860) 442-8501
Veterinarian
Address: 1080 Hartford Turnpike, Waterford, CT 06385
Phone: +1 (860) 442-7223

How to Get to Waterford

Complaints about Short-Term Loans in Connecticut

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
79
Problem when making payments
58
Getting the loan
47
Problem with the payoff process at the end of the loan
28
Struggling to pay your loan
27
Getting a line of credit
22
Incorrect information on your report
17
Charged fees or interest I didn't expect
14
Problem with additional add-on products or services
13
Can't stop withdrawals from your bank account
8
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Waterford

If you need to submit a complaint against a payday lender, the Connecticut Department of Banking is the regulatory authority that can assist. This department oversees financial institutions and consumer credit matters, including issues related to payday loans.

  • 260 Constitution Plaza, Hartford, Connecticut 06103-1800
  • (860) 240-8299 or Toll-free: 1-800-831-7225
Submit a Complaint

Frequently Asked Questions about Short-term Loans

Are Payday Loans Legal in Connecticut?

No, payday loans are illegal in Connecticut. The state has laws in place that prohibit high-interest payday loans to protect consumers from potentially predatory lending practices.

What are Some Safer Alternatives to Payday Loans in Connecticut?

In Connecticut, safer alternatives to payday loans include personal loans from banks or credit unions, credit card cash advances, borrowing from friends or family, or small-dollar loans from reputable financial institutions. These options are typically more consumer-friendly and offer more favorable terms.

How Can I Report Illegal Payday Lending?

If you come across a lender offering payday loans, you should report them to the Connecticut Department of Banking. Reporting such activities helps enforce consumer protection laws and safeguards other consumers.

What Should I Consider Before Taking Out Short-Term Loans?

Before taking out short-term loans in Connecticut, it's important to review the interest rates, fees, and repayment terms. Ensure that the lender is licensed and that the loan terms comply with state regulations.

Where Can I Find Financial Advice and Assistance in Connecticut?

For financial advice and assistance, resources such as the Connecticut Legal Services can be very helpful. These organizations provide guidance on budgeting, debt management, and financial planning.

How Can I Improve My Financial Situation to Avoid High-Interest Loans?

Improving your financial situation in Connecticut involves creating a budget, building an emergency fund, reducing unnecessary expenses, and educating yourself about personal finance. Seeking advice from financial advisors can also help in making informed financial decisions and avoiding high-interest loans.

Connecticut Personal Loans Near Me

Amston Ansonia Avon Bantam Beacon Falls Berlin Bethany Bethel Bethlehem Bloomfield Bozrah Branford Bridgeport Bristol Britain Broad Brook Brookfield Brooklyn Burlington Canaan Canterbury Canton Centerbrook Cheshire Clinton Colchester Cornwall Bridge Cos Cob Coventry Cromwell Danbury Danielson Darien Dayville Deep River Derby Durham East Berlin East Granby East Hampton East Hartford East Haven East Lyme East Windsor Eastford Easton Ellington Enfield Essex Fairfield Falls Village Farmington Gales Ferry Glastonbury Goshen Granby Greenwich Griswold Grosvenor Dale Groton Guilford Haddam Hamden Hartford Harwinton Haven Hebron Higganum Hill Ivoryton Jewett City Kensington Kent Killingworth Lakeville Lebanon Ledyard Litchfield London Lyme Madison Manchester Mansfield Mansfield Center Marlborough Meriden Middlebury Middlefield Middletown Milford Monroe Montville Moodus Moosup Morris Mystic Naugatuck New Britain New Canaan New Fairfield New Hartford New Haven New London New Milford Newington Newtown Niantic Norfolk Historic District Noroton Heights North Branford North Haven North Stonington North Windham Northford Norwalk Norwich Oakdale Oakville Old Greenwich Old Lyme Old Mystic Old Saybrook Orange Oxford Pawcatuck Plainfield Plainville Plantsville Plymouth Pomfret Center Preston Prospect Putnam Quaker Hill Redding Ridgefield Riverside Rockville Rocky Hill Roxbury Salem Salisbury Seymour Sharon Shelton Sherman Simsbury Somers South Glastonbury South Lyme South Windsor Southbury Southington Southport Stafford Stafford Springs Stamford Stonington Storrs Stratford Suffield Taftville Tariffville Terryville Thomaston Tolland Torrington Trumbull Uncasville Unionville Vernon Wallingford Washington Washington Depot Waterbury Waterford Watertown Weatogue West Hartford West Haven West Simsbury West Suffield Westbrook Weston Westport Wethersfield Willimantic Wilton Windsor Windsor Locks Winsted Wolcott Woodbridge Woodbury Woodstock Yantic