Payday Loans in Crossville, Illinois

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

Company nameAddressZip codePhone number
Commerce Bank 2012 Court St, Pekin, IL 61554 +1 (309) 676 - 1311
Speedy Cash 11100 S Cicero Ave, Alsip, IL 60803 +1 (708) 346 - 0218
B B Investments 722 N Henderson St, Galesburg, IL 61401 +1 (309) 344 - 4414
The Money Company 7204 Madison St, Forest Park, IL 60130 +1 (708) 366 - 3267
Prairie State Bank & Trust 340 W Main St, Mt Zion, IL 62549 +1 (217) 864 - 2353
Chase Bank 611 E Lincoln Hwy, New Lenox, IL 60451 +1 (815) 462 - 6274
TitleMax Title Loans 2926 11th St, Rock Island, IL 61201 +1 (309) 786 - 5440
R.I.A. Federal Credit Union - Savanna 103 3rd St, Savanna, IL 61074 +1 (563) 355 - 3800
Bank of America with Drive-thru ATM 99 Northwest Hwy, Crystal Lake, IL 60014 +1 (815) 788 - 8031
Freidag Associates 50 W Douglas St 400, Freeport, IL 61032 +1 (815) 235 - 3950

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Crossville, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wheeling, IL, Payday Loans in Woodridge, IL, Payday Loans in Addison, IL, Payday Loans in Algonquin, IL, Payday Loan Companies in Arlington Heights, IL, 24-Hour Loan in Aurora, IL, Guaranteed Loans in Bartlett, IL and Payday Loans in Belleville, 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 Crossville, IL.

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

62827

Are Payday Loans Legal In Crossville, 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

Crossville, IL payday loan calculator

Advise to read before applying

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

Payday loans are a popular, short-term loan option for many people in need of quick cash. While they can be helpful in emergencies, payday loans also come with high interest rates and fees. If you live in Crossville, Illinois, and are considering a payday loan, it is essential to understand the state’s laws and regulations surrounding these types of loans.

What Is a Payday Loan?

A payday loan is a short-term loan that must be repaid by the borrower’s next payday. These loans are typically for small amounts, usually less than $500, and come with high-interest rates and fees. To obtain a payday loan, you must provide a post-dated check or allow the lender to withdraw funds from your bank account on your next payday, plus the fees and interest charges.

Illinois Law Regarding Payday Loans

In Illinois, payday loans are legal. The state has implemented strict regulations to protect borrowers from predatory lending practices. Lenders are required to be licensed and must follow state rules and regulations regarding interest rates, fees, and loan terms.

When taking out a payday loan in Illinois, there are specific requirements that must be met. The loan cannot exceed $1,000 or 25% of the borrower’s gross monthly income, whichever is less. The loan term must be a minimum of 13 days and a maximum of 120 days. Lenders cannot charge more than $15.50 per $100 borrowed.

Benefits of Payday Loans

Payday loans can be beneficial in certain situations. They are a quick and convenient way to get cash when you need it. Unlike traditional loans, payday loans do not require a credit check, so even if you have bad credit, you may still be eligible for a loan. Additionally, payday loans can be a way to avoid overdraft fees, bounced checks, or late payment fees.

Risks of Payday Loans

While payday loans can be helpful in emergencies, they also come with significant risks. The high-interest rates and fees associated with these loans can lead to a cycle of debt, where borrowers continually renew their loans, paying more in fees and interest. Additionally, if you cannot repay your loan on time, you may face additional fees, collection calls, or even legal action from your lender.

Facts About Payday Loans in Crossville, Illinois

  • In Crossville, Illinois, there are several payday lenders available to borrowers.
  • As of 2021, the average interest rate for a payday loan in Illinois is 395%, according to the Illinois Department of Financial and Professional Regulation.
  • In 2020, there were 426,325 payday loans made in Illinois, totaling $1.27 billion in loan volume.

Apply Now

If you live in Crossville, Illinois, and are in need of a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Our service is free to use, and our application process is quick and easy. Please note that we are not a direct lender, but rather a connector service that facilitates connections between borrowers and lenders. To get started, visit our website and fill out our online application today.

In conclusion

Payday loans can be a helpful resource for those in need, but it is important to understand the risks associated with these types of loans. If you are considering a payday loan in Crossville, Illinois, be sure to research lenders carefully and only borrow what you need and can repay on time. Remember, TheGuaranteedLoans is here to help you connect with potential lenders and get the cash you need quickly and easily.

F.A.Q.

Can I roll over my payday loan in Crossville, Illinois?

Rollovers are not allowed for payday loans in Crossville, Illinois. Borrowers must repay the loan in full by the due date, or make arrangements with the lender to extend the loan term.

Can payday loan lenders in Crossville, Illinois sue me if I default on my loan?

Yes, payday loan lenders in Crossville, Illinois can sue borrowers who default on their loans. However, they are not allowed to use criminal charges or imprisonment as a means of collecting on a debt.

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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