Payday Loans in Fairview, Illinois

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

Company nameAddressZip codePhone number
Financial Plus Credit Union 2813 Plaza Dr, Peru, IL 61354 +1 (815) 223 - 6602
Fast Cash Advance 10311 W Roosevelt Rd, Westchester, IL 60154 +1 (708) 344 - 0100
Check n Go 1047 S York Rd Unit C, Bensenville, IL 60106 +1 (630) 227 - 1200
CFSC Currency Exchange New Fox Lake 43 US-12, Fox Lake, IL 60020 +1 (847) 587 - 5414
The Money Place Of Mattoon 620 Lake Land Blvd, Mattoon, IL 61938 +1 (217) 235 - 1144
World Finance 150 E South St Ste F, Kewanee, IL 61443 +1 (309) 854 - 0602
Woodforest National Bank 1100 Lejune Dr, Springfield, IL 62703 +1 (217) 585 - 0582
TCF Bank 507 E Woodlawn Ave, La Grange Park, IL 60526 +1 (800) 823 - 2265
First National Bank of Steeleville 400 W Broadway St, Steeleville, IL 62288 +1 (618) 965 - 3441
Midwest Title Loans 1202 N Prospect Ave, Champaign, IL 61820 +1 (217) 866 - 1040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fairview, IL, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Carol Stream, IL, Payday Loan for Carpentersville, IL, Payday Loans in Champaign, IL, 24-Hour Loan in Chicago, IL, Payday Loans in Chicago Heights, IL, Payday Loans in Crystal Lake, IL, 24-Hour Loan in Danville, IL and No Credit Check Loans in Decatur, 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 Fairview, IL.

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

61432

Are Payday Loans Legal In Fairview, 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

Fairview, IL payday loan calculator

Advise to read before applying

Payday loans in Fairview, Illinois: A Comprehensive Guide

Payday loans, also known as cash advances or short-term loans, are a popular choice for individuals in need of quick cash. While payday loans are legal in Illinois, it is important to understand the regulations surrounding them before securing one.

How Payday Loans Work

Payday loans are small-dollar loans that typically must be repaid in full with interest and fees within two to four weeks. These loans are designed to be short-term solutions for unexpected expenses or emergencies.

When a borrower applies for a payday loan, they provide the lender with proof of income and a post-dated check for the loan amount plus fees. If the borrower is unable to pay the loan back on time, the lender may cash the check or electronically withdraw funds from the borrower’s bank account, resulting in overdraft fees and additional charges.

Regulations in Fairview, Illinois

While payday loans are legal in Illinois, the state has implemented several regulations to protect borrowers. For example, Illinois law prohibits lenders from charging more than $15.50 in fees per $100 borrowed.

Additionally, lenders must provide borrowers with a written agreement that outlines the terms of the loan, including the total amount due, the annual percentage rate (APR), and any fees associated with the loan. Lenders must also disclose any potential consequences of non-payment, such as returned check or late payment fees.

The Benefits of Payday Loans

While payday loans can come with high interest rates and fees, they can also be a useful tool for those in need of immediate cash. Some benefits of payday loans include:

  • Quick access to cash: Payday loans can often be approved and disbursed within a few hours or less. This is particularly helpful in emergency situations.
  • No credit check required: Unlike traditional loans, payday lenders do not typically require a credit check. This makes payday loans an option for those with poor credit scores or no credit history.
  • Flexibility: Payday loans can be used for a variety of expenses, from medical bills to car repairs.

Interesting Facts and Statistics about Payday Loans in Fairview, Illinois

  • The average payday loan amount in Illinois is $375.
  • Illinois residents took out over 400,000 payday loans in 2019.
  • The average APR for payday loans in Illinois is 297%.

Apply Now

If you are considering a payday loan in Fairview, Illinois, TheGuaranteedLoans can help. We are a connector service, meaning we will connect you with potential lenders who may be able to provide you with a loan that fits your needs. Simply fill out our online application, and we will match you with lenders who are willing to work with you.

It is important to note that TheGuaranteedLoans is not a direct lender, and we cannot guarantee loan approval or terms. However, our service is free and can help simplify the process of finding a payday loan in Fairview.

Conclusion

Payday loans can be a helpful short-term solution for those in need of immediate cash. However, it is important to understand the regulations and high fees associated with them before securing one. By following the guidelines set forth by the state of Illinois and using services like TheGuaranteedLoans, borrowers can make informed decisions and find the loan that best fits their needs.

F.A.Q.

Are there any alternatives to payday loans in Fairview, Illinois?

Yes, there are several alternatives to payday loans in Fairview, Illinois, such as credit union loans, community development financial institution loans, or borrowing from friends or family. Borrowers are encouraged to explore these options before taking out a payday loan.

Can I be charged with criminal activity if I default on a payday loan in Fairview, Illinois?

No, in Fairview, Illinois, it is illegal for lenders to use criminal charges as a means of collecting on unpaid payday loans. Borrowers who are facing criminal charges related to their payday loan should contact the Illinois Attorney General's office for assistance.

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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