Payday Loans in Buncombe, Illinois

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

Company nameAddressZip codePhone number
First Mid Bank & Trust Weldon 490 Maple St, Weldon, IL 61882 +1 (217) 318 - 3754
North County Savings Bank 606 Liberty St, Evansville, IL 62242 +1 (618) 853 - 4414
World Finance 1227 W Morton Ave, Jacksonville, IL 62650 +1 (217) 245 - 8035
Security Finance 708 E Walnut St, Carbondale, IL 62901 +1 (618) 549 - 2632
Illinois Title Loans, Inc. 1025 E Main St, Carbondale, IL 62901 +1 (618) 549 - 5499
Central Illinois Cash 225 E St Paul St, Spring Valley, IL 61362 +1 (815) 663 - 4840
Payday Loans Waukegan 1361-1379 St Paul Ave, Gurnee, IL 60031
Advance America 2122 Woodfall Dr, Charleston, IL 61920 +1 (217) 345 - 3009
Midwest Title Loans S, 12047 Western Ave, Blue Island, IL 60406 +1 (708) 824 - 1045
World Finance Corporation 3095 Woodlawn Rd, Lincoln, IL 62656 +1 (217) 732 - 8282

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buncombe, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Orland Park, IL, Payday Loans in Oswego, IL, Bad Credit Loans in Palatine, IL, Payday Loans in Park Ridge, IL, Payday Loans in Pekin, IL, Payday Loans in Peoria, IL, Quick Loan in Plainfield, IL and Payday Loans in Quincy, 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 Buncombe, IL.

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

62912

Are Payday Loans Legal In Buncombe, 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

Buncombe, IL payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Buncombe, Illinois

When financial emergencies arise, payday loans can provide a quick solution for those in need of immediate cash. In Illinois, payday loans are legal and regulated, so borrowers can be confident they are not falling into a trap of predatory lending practices. In Buncombe, Illinois, payday loans are available to those who meet certain eligibility requirements.

What Are Payday Loans?

Payday loans are short-term, high-interest loans designed to provide immediate cash to borrowers. These loans are typically due on the borrower’s next payday or within a few weeks to a month, hence the name “payday” loan. When applying for a payday loan, the borrower provides proof of income and a postdated check or authorization for electronic withdrawal from their bank account.

Eligibility Requirements for Payday Loans in Buncombe, Illinois

  • Must be at least 18 years old
  • Must show proof of income
  • Must have an active checking account
  • Must be a U.S. citizen or permanent resident
  • Must not be in bankruptcy or have outstanding loans from other payday lenders

Meeting these eligibility requirements does not guarantee approval for a payday loan. Lenders may also consider the borrower’s credit score and credit history before approving the loan.

Benefits of Payday Loans

Payday loans can provide borrowers with a quick solution to unexpected financial emergencies. In addition to their convenience and accessibility, payday loans also have other benefits:

  • Easy application process
  • No credit check required for approval
  • No collateral required
  • Funds available within one business day

However, it is important to note that due to their high fees and interest rates, payday loans should only be used as a last resort and borrowers should ensure they can repay the loan on time to avoid additional fees and debt.

Interest Rates and Fees

In Buncombe, Illinois, payday lenders are required to follow the state’s regulations regarding interest rates and fees. The maximum amount a borrower can receive is $1,000 or 25% of their gross monthly income, whichever is less. The maximum loan term is 120 days, and lenders are allowed to charge up to $15.50 per $100 borrowed. This translates to an APR of 404% for a two-week loan.

Apply Now

If you meet the eligibility requirements and need a payday loan in Buncombe, Illinois, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders to find the best loan option for your needs. Fill out our online application now to get started.

Interesting Facts and Statistics

  • In Illinois, over 325,000 payday loans were issued in 2019, totaling over $1.3 billion in loans.
  • The average payday loan amount in Illinois is $365.
  • The highest concentration of payday lenders in Illinois is in the Chicago area.
  • Payday loans are banned in 16 states and the District of Columbia.
  • The average APR for payday loans in the United States is 391%.

While payday loans may provide a quick financial solution, it is important to approach these loans with caution and only use them as a last resort. Borrowers should ensure they can afford to repay the loan on time and consider alternative options, such as personal loans or borrowing from friends and family.

F.A.Q.

Are there any restrictions on how payday loans can be used in Buncombe, Illinois?

Yes, payday loans in Buncombe, Illinois must be used for immediate, short-term financial needs, and cannot be used to pay off other loans or debts.

What are the interest rates and fees associated with payday loans in Buncombe, Illinois?

in Buncombe, Illinois, payday lenders can charge an annual interest rate of up to 99%. In addition, lenders can charge origination fees, late fees, and non-sufficient funds fees.

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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