Payday Loans in Alhambra, Illinois

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No payday loan companies in Alhambra, IL. Consider companies in other cities:

Company nameAddressZip codePhone number
Community Savings Bank 4801 W Belmont Ave, Chicago, IL 60641 +1 (773) 685 - 5300
PLS Loan Store 1828 Dempster St, Evanston, IL 60202 +1 (847) 491 - 6550
Midland States Bank - Effingham Corporate Center 1201 Network Centre Dr, Effingham, IL 62401 +1 (855) 696 - 4352
Raymond James Financial Services 208 S Walnut St, Pinckneyville, IL 62274 +1 (618) 357 - 5226
Walmart Money Center 1901 1st Ave, Rock Falls, IL 61071 +1 (815) 626 - 6800
Midwest Title Loans 2038 County Rd 2400 N, Grayville, IL 62844 +1 (618) 375 - 2130
TB&B Accounting & Tax Service, Inc. / GETZ Accounting & Financial Group 1006 S Locust Ave, Freeport, IL 61032 +1 (815) 232 - 1028
AAMCO Transmissions & Total Car Care 12307 S Halsted St, Chicago, IL 60628 +1 (773) 840 - 7769
Illinois Title Loans, Inc. 56 Villa St, Elgin, IL 60120 +1 (847) 488 - 1951
Banterra Bank 1310 W Main St, Carmi, IL 62821 +1 (618) 382 - 7376

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alhambra, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Peoria, IL, Payday Loans in Plainfield, IL, Guaranteed Loans in Quincy, IL, Emergency Loan in Rock Island, IL, Emergency Loan in Rockford, IL, Short-term Loans in Romeoville, IL, Payday Loans in Saint Charles, IL and Payday Loans in Schaumburg, IL. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Alhambra, IL.

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Payday Loans Available in Alhambra, IL By The Following ZIP Codes:

62001

Are Payday Loans Legal In Alhambra, Illinois?

Loan Rates and Fees, Laws and Regulations in Illinois.

Illinois Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)404
Maximum Loan Amount$1,000 (or 25% of the gross monthly income)
Minimum Loan Term13 days
Maximum Loan Term120 days
Number of Rollovers Allowed0
Finance Charges15.5% per $100

Alhambra, IL payday loan calculator

Advise to read before applying

Payday Loans in Alhambra, Illinois: What You Need to Know

If you’re in Alhambra, Illinois, and you’re in a financial pinch, you may be considering a payday loan. Payday loans can provide quick access to funds when you’re faced with unexpected expenses or emergencies. But what exactly are payday loans, how do they work, and what are the regulations in Alhambra, Illinois?

What are Payday Loans?

Payday loans are short-term loans with high-interest rates designed to help people bridge the gap between paychecks. They typically have to be repaid on the borrower’s next payday or within two to four weeks. To get a payday loan, you need a steady income, a bank account, and proof of identification. Payday loans require no collateral, making them an accessible option for people with low credit scores or no credit history.

How do Payday Loans Work?

The payday loan application process is straightforward and can usually be completed online or in-store. Once you’ve submitted your application and been approved, the funds are deposited straight into your bank account. The repayment process usually involves authorizing the lender to withdraw the loan amount plus interest from your account on the due date. In Alhambra, Illinois, there is no limit to the number of payday loans a borrower can take out, but the total loan amount cannot exceed $1,000 or 25% of the borrower’s gross monthly income, whichever is less.

Regulations in Alhambra, Illinois

Payday lending is legal in Illinois and is subject to the regulations of the Illinois Department of Financial and Professional Regulation. Lenders must be licensed to offer payday loans in the state, and borrowers must sign a written agreement that outlines the terms of the loan, including the fees and interest rates. The state of Illinois also provides a database that can be used to check if a lender is licensed and in good standing.

Interesting Facts and Statistics about Payday Loans in Alhambra, Illinois

  • In Illinois, the average payday loan amount is $354, and the average term is 20 days.
  • According to the Illinois Department of Financial and Professional Regulation, there were 422 licensed payday loan locations in Illinois as of December 2020.
  • In a 2020 study, the Center for Responsible Lending found that the average payday loan borrower in Illinois pays $15.50 in interest for every $100 borrowed.

Apply Now

If you’re considering a payday loan in Alhambra, Illinois, TheGuaranteedLoans can help. We are a connector service that works with a network of trusted lenders to help you find a loan that fits your needs and budget. Our online application process is easy, and we can provide a decision in minutes. Remember, our service is completely free, and we will never charge you for our services.

Complete our online application now and get one step closer to the financial assistance you need.

F.A.Q.

Are there any protections for borrowers in Alhambra, Illinois who take out payday loans?

Yes, Illinois law provides several protections for payday loan borrowers. For example, lenders must provide borrowers with a clear and concise written contract outlining the terms of the loan, including the interest rate, fees, and repayment schedule.

Can payday lenders in Alhambra, Illinois garnish my wages if I default on my loan?

No, in Alhambra, Illinois, payday lenders cannot garnish wages to collect on unpaid payday loans. Borrowers who are facing wage garnishment related to their payday loan should contact the Illinois Attorney General's office for assistance.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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