Payday Loans in Ellsworth, Illinois

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

Company nameAddressZip codePhone number
Washington Community Bank 1895 Washington Rd, Washington, IL 61571 +1 (309) 444 - 1700
Heights Finance Corporation 5301 E State St, Rockford, IL 61108 +1 (815) 231 - 0055
Sun Loan Company 3320 N University St, Peoria, IL 61604 +1 (309) 682 - 6200
Western Union Dollar General, 21 Plaza Dr, Beardstown, IL 62618 +1 (217) 909 - 2828
World Finance 108 N Scotland St, Macomb, IL 61455 +1 (309) 837 - 9062
Marine Bank - Commercial Lending Office 1702 Tullamore Ave A, Bloomington, IL 61704 +1 (309) 585 - 2006
Kemper CPA Group LLP - Accounting & Tax Services 713 S Commercial St, Harrisburg, IL 62946 +1 (618) 252 - 7456
Meredosia Community Bank 920 IL-104, Meredosia, IL 62665 +1 (217) 584 - 1392
PLS Check Cashing Store 2507 W 95th St, Evergreen Park, IL 60805 +1 (708) 425 - 0118
Mariner Finance 5 Northpoint Dr, Streator, IL 61364 +1 (815) 672 - 0526

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ellsworth, IL, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Naperville, IL, Payday Loans in North Chicago, IL, Payday Loan Without a Credit Check in Northbrook, IL, Payday Loans in Oak Lawn, IL, Payday Loan Companies in Oak Park, IL, Payday Loans in Orland Park, IL, Payday Loan Companies in Oswego, IL and Payday Loans in Palatine, 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 Ellsworth, IL.

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

61737

Are Payday Loans Legal In Ellsworth, 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

Ellsworth, IL payday loan calculator

Advise to read before applying

Understanding Payday Loans in Ellsworth, Illinois: A Comprehensive Guide

If you’re in need of a quick financial boost to tide you over until your next paycheck, payday loans may seem like an appealing option. In Ellsworth, Illinois, payday loans are legal, but it’s important to understand the risks and benefits before making a decision.

What are payday loans?

A payday loan is a short-term loan offered by lenders that’s designed to tide you over until your next paycheck. These loans usually come with high interest rates and fees, but the application process is quick and easy.

How do payday loans work in Ellsworth, Illinois?

In Ellsworth, Illinois, payday loans are legal, but there are certain regulations that lenders must follow. According to the Illinois Department of Financial and Professional Regulation, payday loans cannot exceed $1,000 or 25% of your gross monthly income, whichever is less. You also cannot have more than one payday loan at a time, and lenders must give you at least 15 days to repay the loan.

The Pros and Cons of Payday Loans

Pros

  • Quick and easy application process
  • Accessible to individuals with poor credit
  • Can be used for a variety of expenses

Cons

  • High interest rates and fees
  • Can lead to a cycle of debt
  • May not be a long-term solution to financial problems

While payday loans can be an easy way to get cash quickly, it’s important to consider the potential downsides before moving forward with a loan.

Interesting facts and statistics about Payday Loans in Ellsworth, Illinois

  • In Ellsworth, the average payday loan is $375
  • 65% of payday loan borrowers in Illinois took out a loan to cover regular expenses, such as rent or utilities
  • The average payday loan borrower in Illinois takes out 5 loans per year

Apply Now with The Guaranteed Loans

If you’ve decided that a payday loan is the right option for you, TheGuaranteedLoans can help. We are a connector service, matching borrowers with potential lenders who can meet their needs. Our application process is quick and easy, and we’re committed to helping you find the best loan for your unique financial situation.

Don’t wait – apply now and take the first step towards financial security!

F.A.Q.

How do payday loans work in Ellsworth, Illinois?

To obtain a payday loan in Ellsworth, Illinois, borrowers typically have to provide proof of income, a valid ID, and a checking account. The lender will then advance the borrower a small amount of money, typically up to $1,000, which must be repaid on the borrower's next payday. The loan will typically include fees and interest charges, which can make it expensive to repay.

Are payday loans legal in Ellsworth, Illinois?

Yes, payday loans are legal in Ellsworth, Illinois, but they are subject to certain regulations designed to protect borrowers from predatory lending practices. For example, Illinois law limits the amount of interest and fees that can be charged on payday loans, and it requires lenders to disclose the terms of the loan to the borrower before the loan is made.

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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