Payday Loans in Davis Junction, Illinois

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

Company nameAddressZip codePhone number
Short Term Loans, L.L.C. 376 Illinois Rte 59 108, Naperville, IL 60540 +1 (630) 392 - 2977
Check 'n Go 1331 E Pershing Rd, Decatur, IL 62526 +1 (217) 875 - 5300
Cornerstone National Bank & Trust Company 1185 S Illinois Rte 31, Crystal Lake, IL 60014 +1 (815) 788 - 4700
AAA1 Auto Title Loans 10810 S Cicero Ave, Oak Lawn, IL 60453 +1 (708) 636 - 9049
Tower Loan 612 S Willow St, Effingham, IL 62401 +1 (217) 342 - 6500
Walmart Money Center 4041 Veterans Dr, Ottawa, IL 61350 +1 (815) 434 - 0120
Buena Vista National Bank 501 Market St, Evansville, IL 62242 +1 (618) 853 - 2316
Midwest Title Loans 1618 Knoxville Ave, Peoria, IL 61603 +1 (309) 686 - 7740
U.S. Bank: Matthew Hess 101 E North Ave, Flora, IL 62839 +1 (618) 508 - 4456
Burtschi Brothers & Co. 415 W Gallatin St, Vandalia, IL 62471 +1 (618) 283 - 2102

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Davis Junction, IL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Mundelein, IL, Payday Loans in Naperville, IL, Quick Loan in North Chicago, IL, 24-Hour Loan in Northbrook, IL, Payday Loans in Oak Lawn, IL, Payday Loans in Oak Park, IL, Payday Loans in Orland Park, IL and Payday Loan Without a Credit Check in Oswego, 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 Davis Junction, IL.

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

61020

Are Payday Loans Legal In Davis Junction, 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

Davis Junction, IL payday loan calculator

Advise to read before applying

Payday Loans in Davis Junction, Illinois: A Comprehensive Guide

If you’re in need of fast cash, you may be considering a payday loan in Davis Junction, Illinois. Payday loans are a popular option for quick, short-term loans, but they can also be confusing and risky if you don’t know what you’re getting into. In this comprehensive guide, we will walk you through everything you need to know about payday loans in Davis Junction, Illinois.

Understanding Payday Loans

What are Payday Loans?

A payday loan is a short-term loan that typically must be repaid within two weeks of receiving it. These types of loans are designed to help individuals cover unexpected expenses or bills when they don’t have enough in savings or don’t have access to traditional credit options.

How Do Payday Loans Work?

To apply for a payday loan, you typically need to provide proof of income, such as a paycheck stub or bank statement, and a valid form of identification. The lender will then determine if you qualify for a loan and the amount you can borrow. If you are approved, the funds will be deposited directly into your bank account.

When the loan comes due, typically on your next payday, the lender will automatically withdraw the loan amount plus fees from your bank account. If you are unable to repay the loan, you may have the option to roll it over for an additional fee.

Payday Loans in Davis Junction, Illinois

Is it Legal to Get a Payday Loan in Davis Junction, Illinois?

Yes, payday loans are legal in Illinois. However, the state has regulations in place to protect borrowers from predatory lenders. The Illinois Department of Financial and Professional Regulation oversees all payday lenders in the state to ensure compliance with state laws.

How Much Money Can You Borrow?

In Illinois, borrowers can typically borrow up to $1,000 or 25% of their gross monthly income, whichever is less.

What Are The Fees?

In Illinois, payday lenders can charge up to $15.50 per $100 borrowed. For example, if you borrow $100, the lender can charge a fee of up to $15.50 for a total repayment amount of $115.50. The maximum APR for a 14-day loan is 403%.

What Are the Requirements to Apply?

To apply for a payday loan in Davis Junction, Illinois, you must:

  • Be at least 18 years of age
  • Have a valid government-issued ID
  • Provide proof of income
  • Have an active checking account

Note: Requirements may vary by lender, so be sure to check with the specific lender for their requirements.

Apply Now with TheGuaranteedLoans

If you need a payday loan in Davis Junction, Illinois, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and you may be able to receive funds as soon as the next business day.

Apply Now and get connected with a potential lender today. Remember, TheGuaranteedLoans is not a direct lender, but a connector service.

Interesting Facts and Statistics

  • The average payday loan in Illinois is $354
  • More than 60% of payday loan borrowers in Illinois have annual incomes below $30,000
  • Illinois has more payday lenders than McDonald’s, Subways, and Starbucks combined

Source: Illinois Department of Financial and Professional Regulation

Conclusion

Payday loans in Davis Junction, Illinois can be a helpful resource for those in need of quick cash. However, it’s important to understand the potential risks and fees associated with these types of loans. Always read the terms and conditions carefully before accepting a loan, and be sure to explore all of your options before committing to any loan.

With TheGuaranteedLoans, you can apply for a payday loan with confidence, knowing that we will connect you with potential lenders that comply with state regulations and have your best interests in mind. Apply today and get the cash you need when you need it.

F.A.Q.

Can payday lenders in Davis Junction, Illinois operate without a license?

No, all payday lenders in Davis Junction, Illinois must be licensed by the state in order to operate. Borrowers can check the Illinois Department of Financial and Professional Regulation's website to verify that a lender is licensed before taking out a loan.

Is there a maximum number of payday loans that a borrower can take out in Davis Junction, Illinois?

Yes, Illinois law limits borrowers to taking out a maximum of two payday loans at any one time. Borrowers must also wait at least seven days between taking out consecutive payday loans.

Look for Short-Term Loans in Other Cities:

Addison Algonquin Arlington Heights Aurora Bartlett Belleville Berwyn Bloomington Bolingbrook Buffalo Grove Calumet City Carol Stream Carpentersville Champaign Chicago Chicago Heights Crystal Lake Danville Decatur Des Plaines Downers Grove Dundee Elgin Elk Grove Village Elmhurst Evanston Galesburg Glendale Heights Glenview Granite City Gurnee Hanover Park Hoffman Estates Joliet Lombard Moline Mount Prospect Mundelein Naperville North Chicago Northbrook Oak Lawn Oak Park Orland Park Oswego Palatine Park Ridge Pekin Peoria Plainfield Quincy Rock Island Rockford Romeoville Schaumburg Skokie Springfield Streamwood Tinley Park Urbana Waukegan Wheaton Wheeling Woodridge
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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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