Payday Loans in Parkersburg, Illinois

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

Company nameAddressZip codePhone number
U.S. Bank Branch 322 W Morton Ave, Jacksonville, IL 62650 +1 (217) 479 - 5906
Advance America 2420 E Washington St, East Peoria, IL 61611 +1 (309) 694 - 1487
Access to Money 6800 Kingery Hwy, Darien, IL 60561
Lincoln National Life Insurance Co 475 N Martingale Rd 520, Schaumburg, IL 60173 +1 (847) 413 - 9600
Speedy Cash 1218 N Lake St Ste #120, Aurora, IL 60506 +1 (630) 801 - 1732
CNB Bank & Trust Na 202 N Maple St, Brighton, IL 62012 +1 (618) 372 - 3760
PLS Check Cashing 2507 95th St, Evergreen Park, IL 60805 +1 (708) 425 - 0118
World Finance 10 Sunnyland Plaza, Washington, IL 61571 +1 (309) 745 - 1486
Cash Loan Store 5919 N 2nd St, Loves Park, IL 61111 +1 (815) 877 - 8370
AmeriCash Loans 2107 Sheridan Rd C, Zion, IL 60099 +1 (847) 872 - 9777

Payday Loan Companies in Nearby Cities

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

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

62452

Are Payday Loans Legal In Parkersburg, 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

Parkersburg, IL payday loan calculator

Advise to read before applying

Payday Loans in Parkersburg, Illinois

Life can be unpredictable and sometimes you may find yourself in a situation where you need quick cash to cover unexpected expenses. As an Illinois resident, one option available to you may be a payday loan. These loans are legal in Illinois, and if you are looking for a payday loan in Parkersburg, there are a few things you should know.

What is a Payday Loan?

A payday loan is a type of short-term loan that is typically due on your next payday. They are designed to help you bridge the gap between paychecks when unexpected expenses arise. In Illinois, payday loans are legal and regulated by state law.

How do Payday Loans Work?

Payday loans are typically easy to obtain, with minimal qualifications required. To apply, you will need to provide proof of income, a valid ID, and an active bank account.

Once your application is approved, you will receive the funds you need in your bank account. Typically, you will have 14 days to repay the loan plus any fees and interest.

If you are unable to repay the loan in full by the due date, you may be able to extend the loan term or refinance the loan. However, this may result in additional fees and interest.

The Benefits of Payday Loans

  • Quick and easy application process
  • No credit check required
  • No collateral needed
  • Short-term solution to unexpected expenses

The Downsides of Payday Loans

  • High fees and interest rates
  • Potential for debt cycle
  • Not a long-term solution to financial problems

Facts and Statistics about Payday Loans in Parkersburg, Illinois

  • In Illinois, payday loans are legal and regulated by state law.
  • Illinois borrowers can take out a payday loan for up to $1,000 or up to 25% of their gross monthly income, whichever is less.
  • The average interest rate for a payday loan in Illinois is 404%
  • Illinois borrowers are allowed to rollover an existing payday loan up to two times.
  • The average payday borrower in Illinois takes out eight loans per year, with an average loan amount of $309.
  • Payday lending generates approximately $40 billion in fees and interest each year.

Applying for a Payday Loan in Parkersburg, Illinois

If you are considering a payday loan in Parkersburg, Illinois, TheGuaranteedLoans can help match you with potential lenders. We are not a direct lender, but we are a connector service that can facilitate your connection with lenders that may be able to meet your needs.

Our online application is quick and easy to fill out and can connect you with lenders who may be able to provide the funds you need. Remember, payday loans are a short-term solution to unexpected expenses and should not be relied on as a long-term financial plan.

The Final Word

Payday loans in Parkersburg, Illinois are legal and can be a convenient option when you need quick cash. However, you should be aware of the potential downsides, such as high fees and interest rates. If you decide to take out a payday loan, it’s important to have a plan in place to repay the loan in full by the due date.

Remember, TheGuaranteedLoans can help match you with potential lenders, but we encourage you to explore all of your options before making a decision. Payday loans should be used sparingly and only when necessary.

F.A.Q.

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

Yes, there are several alternatives to payday loans in Parkersburg, Illinois. For example, borrowers can seek out small personal loans from banks or credit unions, apply for assistance from social service organizations, or negotiate payment plans with creditors.

Can I be charged additional fees if I make a payment on my payday loan late?

Yes, Illinois law allows lenders to charge additional fees for late payments on payday loans. The maximum late fee that can be charged is $25, or 5% of the unpaid balance, whichever is less.

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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