Payday Loans in Eddyville, Illinois

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

Company nameAddressZip codePhone number
Debra Ann Catena Fairway Independent Mortgage Corporation Loan Officer 9604 S Roberts Rd, Hickory Hills, IL 60457 +1 (708) 256 - 6903
Blackhawk Bank 9705 Prairie Ridge Rd, Richmond, IL 60071 +1 (815) 678 - 2265
First Bankers Trust Company, N.A. 440 N Lafayette St, Macomb, IL 61455 +1 (309) 837 - 6664
BOS Staunton Banking Center 417 W North St, Staunton, IL 62088 +1 (618) 635 - 5100
First Mid Bank & Trust Weldon 490 Maple St, Weldon, IL 61882 +1 (217) 318 - 3754
Short Term Loans, L.L.C. 376 Illinois Rte 59 108, Naperville, IL 60540 +1 (630) 392 - 2977
Check Into Cash 9165 W Cermak Rd, North Riverside, IL 60546 +1 (708) 447 - 4610
Sun Loan Company 1836 Broadway St, Quincy, IL 62301 +1 (217) 224 - 0946
CEFCU 3301 N Woodford St, Decatur, IL 62526 +1 (217) 875 - 1177
Municipal Trust & Savings Bank 228 N Dixie Hwy, Momence, IL 60954 +1 (815) 472 - 6444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eddyville, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Elk Grove Village, IL, Online Loans in Elmhurst, IL, No Credit Check Loans in Evanston, IL, Payday Loan Without a Credit Check in Galesburg, IL, No Credit Check Loans in Glendale Heights, IL, Same Day Loans in Glenview, IL, Payday Loan for Gurnee, IL and Short-term Loans in Hanover Park, 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 Eddyville, IL.

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

62928

Are Payday Loans Legal In Eddyville, 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

Eddyville, IL payday loan calculator

Advise to read before applying

Understanding Payday Loans in Eddyville, Illinois

When expenses pop up unexpectedly and you need cash fast, a payday loan can be an option for some people. Eddyville, Illinois, is one of the many states where payday loans are legal. However, it is important to understand how they work and what you need to consider before signing up for one.

How do Payday Loans Work?

Payday loans are short-term loans that provide borrowers with quick access to cash. To get a payday loan, you typically write a post-dated check for the amount you want to borrow, plus a fee. The lender will then hold onto the check and lend you the money you need. When the loan is due, the lender cashes your check.

The repayment term for payday loans is usually two to four weeks. However, some lenders may offer longer repayment terms. Most payday lenders have online applications, making it easy and convenient to apply from home.

What are the Requirements for a Payday Loan in Eddyville, Illinois?

To qualify for a payday loan in Eddyville, Illinois, you must:

  • Be at least 18 years old
  • Have a regular source of income
  • Provide proof of identification and residency
  • Have an active checking account

While payday lenders typically do not pull credit reports, they may check a national database to ensure that you do not have outstanding payday loans from other lenders. In addition, lenders may ask for a post-dated check or require access to your bank account to ensure that they receive payment on time.

What are the Risks?

It’s essential to understand the potential risks associated with payday loans. One of the most significant risks of payday loans is their high-interest rate. In Illinois, payday lenders can charge up to $15.50 per $100 borrowed. High fees coupled with short repayment terms can result in high APRs, making it challenging to pay off the loan on time.

If you cannot repay the loan on time, the lender may offer to roll over the loan. Rolling over the loan can result in additional fees and interest charges, making it more challenging to pay off the debt.

Interesting Facts and Statistics about Payday Loans in Eddyville, Illinois

  • Illinois has more than 500 payday lenders
  • The average payday loan in Illinois is $355
  • Payday lenders in Illinois can charge up to 400% APR
  • The average borrower takes out eight loans per year

Apply Now

If you need a payday loan in Eddyville, Illinois, TheGuaranteedLoans can help. As a connector service, we can connect you with potential lenders, making it easy to find the right loan for your needs. Our online application is easy to use, and you can apply from anywhere, at any time. Remember that TheGuaranteedLoans is not a lender, and we do not make credit decisions. Instead, we facilitate connections between borrowers and lenders. Fill out an online application today and get connected with a lender who can help you get the cash you need.

In Conclusion

Payday loans can be helpful in certain situations, but it is essential to understand the potential risks before signing up for one. If you need a payday loan in Eddyville, Illinois, be sure to do your research, and avoid borrowing more than you can afford to repay. TheGuaranteedLoans is here to help connect you with potential lenders- apply now and see how we can help.

F.A.Q.

Can I apply for a payday loan if I have bad credit or no credit history?

Yes, you can apply for a payday loan even if you have bad credit or no credit history. Payday lenders typically do not require a credit check to approve a loan, and instead rely on other factors such as proof of income and a checking account to determine loan eligibility.

What are the eligibility requirements for payday loans in Eddyville, Illinois?

To be eligible for a payday loan in Eddyville, Illinois, borrowers must be at least 18 years of age, have a valid government-issued ID, and have a verifiable source of income.

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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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