Payday Loans in Dana, Illinois

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

Company nameAddressZip codePhone number
World Finance Corporation 400 W Clark Ave # 104, Effingham, IL 62401 +1 (217) 342 - 2922
Russ Gelberg - Wells Fargo Private Mortgage Banking, Loans in all 50 States 400 Skokie Blvd 510, Northbrook, IL 60062 +1 (847) 736 - 0446
U.S. Bank Branch 322 W Morton Ave, Jacksonville, IL 62650 +1 (217) 479 - 5906
First State Bank 211 S Division Ave, Polo, IL 61064 +1 (815) 946 - 2777
Walmart Supercenter 1455 E Lake Cook Rd, Wheeling, IL 60090 +1 (847) 537 - 5090
Quick Cash 2697 Grand Ave, Waukegan, IL 60085 +1 (847) 599 - 2898
First Midwest Bank 224 N Main St, Seneca, IL 61360 +1 (815) 357 - 8751
Great Lakes Credit Union 2525 Green Bay Rd, North Chicago, IL 60064 +1 (800) 982 - 7850
Cash Loans Now 4420 Avenue of the Cities, Moline, IL 61265 +1 (309) 736 - 2256
Taylorville Community Credit Union 422 W Main Cross St, Taylorville, IL 62568 +1 (217) 824 - 9658

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dana, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Belleville, IL, Payday Loan for Berwyn, IL, Payday Loans in Bloomington, IL, Guaranteed Loans in Bolingbrook, IL, Bad Credit Loans in Buffalo Grove, IL, Payday Loans in Calumet City, IL, Payday Loan Without a Credit Check in Carol Stream, IL and Payday Loans in Carpentersville, 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 Dana, IL.

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

61321

Are Payday Loans Legal In Dana, 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

Dana, IL payday loan calculator

Advise to read before applying

What You Need to Know About Payday Loans in Dana, Illinois

If you’re in need of short-term cash in Dana, Illinois, you may have considered a payday loan. These loans can be a lifesaver when unexpected expenses pop up, but it’s essential to understand the basics before you commit to anything.

What are Payday Loans?

A payday loan is a type of short-term loan that is typically due on your next payday. These loans are designed to provide temporary financial support to individuals who need it, often allowing them to cover unexpected expenses or bills.

In Dana, Illinois, payday loans are legal, but there are regulations in place to protect consumers. Lenders must be licensed and must follow strict guidelines, including limits on how much money can be borrowed and how long the loan term can be.

The Pros and Cons of Payday Loans

Like any financial decision, payday loans have their advantages and disadvantages. Understanding these can help you determine if they’re the right choice for your situation.

Pros

  • Easy to obtain: Payday loans typically have few requirements, making them accessible to individuals with poor credit or no credit at all.
  • Quick funding: Many payday lenders can provide funding within a day or two, making them a good option for emergency situations.
  • No collateral: Unlike some loans, payday loans do not require collateral, such as a car or house, making them less risky for borrowers.

Cons

  • High interest rates: Payday loans often come with high interest rates, meaning you could end up paying back much more than you originally borrowed.
  • Short repayment terms: Payday loans are typically due on your next payday, which can make it difficult to pay back the loan in full.
  • Potential for debt cycle: If you’re unable to pay back the loan on time, you may have to extend the loan, which can lead to a cycle of debt and additional fees and interest.

Interesting Facts and Statistics about Payday Loans in Dana, Illinois

  • According to data from the Illinois Department of Financial and Professional Regulation, over 200,000 payday loans were issued in Illinois in 2020.
  • The average payday loan amount in Illinois is $354.74.
  • The maximum payday loan amount you can borrow in Illinois is $1,000 or 25% of your gross monthly income, whichever is less.
  • Illinois law requires lenders to disclose the terms and costs of payday loans in writing before a borrower agrees to the loan.
  • Lenders in Illinois cannot charge more than $15.50 per $100 borrowed for a payday loan.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Dana, Illinois, TheGuaranteedLoans can connect you with potential lenders quickly and easily. We offer a simple online application process, and you can receive multiple offers from lenders in minutes.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders to provide you with the best options for your needs. Once you receive an offer, you’ll work directly with the lender to finalize the loan terms and receive funding.

Don’t let unexpected expenses get you down. Apply for a payday loan today and get the cash you need to stay on top of your finances.

F.A.Q.

Can I renew or extend a payday loan in Dana, Illinois?

Yes, payday loans in Dana, Illinois can be renewed or extended, but only under certain circumstances. Borrowers must pay off a portion of the loan and any fees before the loan can be extended or renewed.

What happens if I can't repay a payday loan in Dana, Illinois?

If a borrower is unable to repay a payday loan in Dana, Illinois, the lender may attempt to collect the debt through traditional methods, such as phone calls and letters. The lender may also report the default to credit bureaus, which could affect the borrower's credit score.

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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