Payday Loans in Ozark, Illinois

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

Company nameAddressZip codePhone number
State Bank of Whittington 401 W Adelaide Ave, Christopher, IL 62822 +1 (618) 724 - 2411
World Finance 2150 W Galena Blvd Suite C, Aurora, IL 60506 +1 (630) 820 - 3863
Jeff Ludwick - COUNTRY Financial representative 133 Barnett Ave Ste 1, Forsyth, IL 62535 +1 (217) 877 - 2830
Community State Bank 625 SE 2nd St, Galva, IL 61434 +1 (309) 932 - 8181
Illinois Community Credit Union 6 W Main St, Plano, IL 60545 +1 (815) 895 - 4541
Tri-State Financial Services Inc 601 Ogden Ave A, Downers Grove, IL 60515 +1 (630) 271 - 1414
Devon Financial Services 4033 Oakton St, Skokie, IL 60076 +1 (847) 737 - 9058
First Financial Bank 1023 W Reynolds St, Pontiac, IL 61764 +1 (815) 842 - 8164
State Finance Co 202 S State St, Jerseyville, IL 62052 +1 (618) 639 - 0633
West Central Bank 400 E Buchanan St, Ashland, IL 62612 +1 (217) 476 - 3325

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ozark, IL, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Park Ridge, IL, Online Loans in Pekin, IL, Payday Loan for Peoria, IL, Payday Loan for Plainfield, IL, Bad Credit Loans in Quincy, IL, Same Day Loans in Rock Island, IL, No Credit Check Loans in Rockford, IL and Online Loans in Romeoville, 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 Ozark, IL.

Useful Articles

Are Payday Loans Legal In Ozark, 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

Ozark, IL payday loan calculator

Advise to read before applying

Understanding Payday loans in Ozark, Illinois

Payday loans can be a valuable option for those who need quick access to cash. They are short-term loans with high-interest rates, usually designed to cover unexpected expenses until your next paycheck. While payday loans are legal in Illinois, such loans come with hefty fees and high interest rates, taking out a payday loan requires careful consideration.

How do payday loans work in Ozark, Illinois?

In Ozark, Illinois, payday loans work like they do in other cities or states. A borrower writes a postdated check to the lender for the amount they want to borrow plus interest and fees. The lender then gives the borrower the cash the borrower needs, minus the lender’s fees and interest. The loan must be repaid when the borrower receives their paycheck, which is usually within two weeks.

The Pros and Cons of Payday Loans in Ozark, Illinois

Pros

  • A payday loan can provide fast access to cash when you need it most.
  • Payday loans are available for those with bad or no credit history.
  • Unlike traditional loans, payday loans do not require collateral.

Cons

  • High-interest rates and fees make payday loans expensive and can trap borrowers in a cycle of debt.
  • Borrowers must repay their loans in full when their next paycheck arrives, which can be difficult for those living paycheck to paycheck.
  • Payday lenders have been known to engage in predatory practices, including charging excessive fees and harassing borrowers who are unable to repay the loan.

Interesting facts and statistics about Payday Loans in Ozark, Illinois

According to a report by the Illinois Attorney General, payday loans in Illinois have an average annual percentage rate (APR) of 297%. In Ozark, Illinois, the average payday loan amount is $300, with an average loan term of 14 days. In a year, Illinois borrowers take out an average of eight payday loans, with an average loan amount of $365 and an APR of 403%.

How to Apply for a Payday Loan in Ozark, Illinois

At TheGuaranteedLoans, we provide a platform for borrowers to connect with potential lenders. To apply for a payday loan in Ozark, Illinois, all you have to do is fill out our simple online application form. We do not require any complicated paperwork, and the entire process can be completed from the comfort of your own home.

Once you have submitted your application, we will connect you with potential lenders who match your needs. If you are approved, you will be directed to the lender’s website to complete the loan process. At TheGuaranteedLoans, we do not lend money directly, nor do we make credit decisions. We only facilitate your connection with potential lenders.

Conclusion

Payday loans can provide a quick fix for those in need of cash. However, they come with substantial risks and should be a last resort when other options are unavailable. As with any financial decision, you should carefully consider the pros and cons of taking out a payday loan before doing so. At TheGuaranteedLoans, we strive to provide you with a transparent and easy-to-use platform for connecting with potential lenders. Apply for a payday loan with us today and take the first step towards financial freedom.

Not sure if a payday loan is right for you? Speak to a financial advisor before applying.

F.A.Q.

Can I be sued if I default on a payday loan in Ozark, Illinois?

Yes, payday lenders in Ozark, Illinois can sue borrowers who default on their loans. However, borrowers have the right to defend themselves in court and may be able to negotiate a settlement or payment plan with the lender.

How can I file a complaint about a payday lender in Ozark, Illinois?

Borrowers who wish to file a complaint about a payday lender in Ozark, Illinois can do so by contacting the Illinois Department of Financial and Professional Regulation. Complaints can be filed online, by phone, or by mail.

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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