Payday Loans in Saint Augustine, Illinois

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

Company nameAddressZip codePhone number
Advance America 521 W. Belt Line Road, Collinsville, IL 62234 +1 (618) 345 - 7042
TitleMax Title Loans 2301 S MacArthur Blvd, Springfield, IL 62704 +1 (217) 726 - 6570
Security Finance 1000 Leigh Ave Ste D, Anna, IL 62906 +1 (618) 833 - 8150
PLS Loan Store 3175, 3175 175th St b, Hazel Crest, IL 60429 +1 (708) 647 - 1408
First Federal Savings Bank 433 W Main St, Ottawa, IL 61350 +1 (815) 434 - 2193
U.S. Bank Branch 300 1st Ave, Rock Falls, IL 61071 +1 (815) 622 - 2573
Gold & Jewelry Direct 460 W Virginia St, Crystal Lake, IL 60014 +1 (847) 458 - 0899
CIT Group Inc 1003 Dakota Dr, Woodstock, IL 60098 +1 (815) 206 - 0314
Oswego Community Bank 10 S Madison St, Oswego, IL 60543 +1 (630) 554 - 3411
BMO Harris Bank - Mortgage Banker Andrew D Hambleton 1746 2nd St, Highland Park, IL 60035 +1 (847) 421 - 7598

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Augustine, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Danville, IL, Payday Loans in Decatur, IL, Short-term Loans in Dekalb, IL, Bad Credit Loans in Des Plaines, IL, Payday Loan Companies in Downers Grove, IL, Payday Loans in Dundee, IL, Online Loans in Elgin, IL and Bad Credit Loans in Elk Grove Village, 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 Saint Augustine, IL.

Beautiful sights of Saint Augustine, IL

Are Payday Loans Legal In Saint Augustine, 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

Saint Augustine, IL payday loan calculator

Payday Loans in Saint Augustine, Illinois

Payday loans are a type of short-term lending that has become increasingly popular in many states across the US. In Illinois, payday lending is legal and regulated, providing borrowers with a quick and easy way to access emergency cash when they need it most.

For residents of Saint Augustine, Illinois, payday loans can be an excellent option for those who find themselves in a financial bind. Whether it’s an unexpected medical expense, a car repair, or a utility bill that’s due before payday, a payday loan can help bridge the gap between paychecks. However, before you decide to take out a payday loan, it’s essential to understand how they work and the risks involved.

How do Payday Loans work in Saint Augustine, Illinois?

Payday loans are typically short-term loans that are secured against a borrower’s upcoming paycheck. In Illinois, payday loans can be taken out for a maximum of $1,000 or 25% of the borrower’s gross monthly income, whichever is less. The repayment term for a payday loan in Illinois is between 13 and 120 days, depending on the amount borrowed.

The application process for a payday loan in Saint Augustine, Illinois, is simple and straightforward. Borrowers can apply online or in-store and receive a loan decision within minutes. To be eligible for a payday loan in Illinois, borrowers must have a valid government-issued ID, proof of income, and an active checking account.

Once the loan is approved, the borrower will receive the funds, either in cash or via direct deposit, within one business day. On the due date, the lender will automatically deduct the loan amount plus fees from the borrower’s checking account. If the borrower is unable to repay the loan on time, they may be eligible for an extended repayment plan.

The Risks of Payday Loans

While payday loans can be a lifeline for those in need of emergency cash, they also come with significant risks. One of the most significant risks is the high cost of borrowing. In Illinois, payday lenders can charge up to $15.50 for every $100 borrowed, resulting in an annual percentage rate (APR) of up to 400%. This is significantly higher than other types of loans, such as credit cards or personal loans.

Additionally, if a borrower is unable to repay the loan on time, they may incur additional fees and interest charges, potentially trapping them in a cycle of debt. Therefore, it’s essential to only borrow what you can afford to repay and to have a plan in place for repaying the loan on time.

Interesting Facts about Payday Loans in Saint Augustine, Illinois

  • Illinois is one of 32 states that legally allow payday lending.
  • A payday lender in Illinois can charge up to $15.50 for every $100 borrowed.
  • The average payday loan in Illinois is $375.
  • Illinois law mandates that payday loans cannot be rolled over or extended beyond 180 days.

Apply Now

If you need emergency cash in Saint Augustine, Illinois, and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application and receive a loan decision within minutes. Please note that TheGuaranteedLoans is not a direct lender and will only facilitate your connection with a lender.

Remember to only borrow what you can afford to repay, and have a plan in place for repaying the loan on time. Payday loans should be considered a last resort and not a long-term financial solution.

With TheGuaranteedLoans, you can get the emergency cash you need quickly and easily. Apply now and take the first step towards financial stability.

F.A.Q.

How do I qualify for a payday loan in Saint Augustine, Illinois?

To qualify for a payday loan in Saint Augustine, Illinois, borrowers must be at least 18 years old, have a valid ID, and have a steady source of income.

How much can I borrow with a payday loan in Saint Augustine, Illinois?

in Saint Augustine, Illinois, payday loans are typically limited to $1,000 or 25% of the borrower's gross monthly income, whichever is less.