Illinois

Online Payday Loans in Illinois

Loans in Illinois can go up to $1,000 with terms that can stretch out as far as 120 Days.

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Illinois

Online Loan Terms

Maximum Loan Amount
$1,000
Minimum Loan Term
13 Days
Maximum Loan Term
120 Days
Maximum APR%
519.42%
Max Simultaneous Loans
1
Minimum Age
18

Why get an Online Loan in Illinois?

We get it. Sometimes, emergency expenses like family in need come up and you need to get cash immediately. Even so, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Illinois is quick and easy. It doesn't matter if you live in Chicago, Aurora, Rockford, or Joliet, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Illinois Cost?

The maximum annual percentage rate allowed by law in Illinois is 519.42% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Illinois, lenders may charge a maximum of 15.5% of the loan amount plus a verification fee of $3.

Representative Example

For example, Janis has an unexpected family in need expense and needs cash immediately. They can borrow up to $1,000 for up to 120 days at 519.42% APR. The high APR can make this example loan extremely expensive; Janis will pay back a total of $2,731 including a total of $1,731 in interest and fees!

What You Need

Before you can get an online loan in Illinois, this is what you will need:

  • You must be at least 18 years old
  • Valid Illinois driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Illinois

Maximum loan terms in Illinois:

  • Maximum loan amont: $1,000
  • Maximum rate, including fees: 519.42%
  • Maximum loan length: $1,000

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