Payday Loans in Athens, Illinois

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

Company nameAddressZip codePhone number
DOLEX Dollar Express 569 Collins St, Joliet, IL 60432 +1 (815) 727 - 7176
CEFCU ATM 1520 Sheridan Rd, Pekin, IL 61554 +1 (800) 542 - 3328
Illinois Title Loans, Inc. 923 E State St, Rockford, IL 61104 +1 (815) 964 - 0375
Cash Store 208 Southtowne Shopping Ctrr, Du Quoin, IL 62832 +1 (618) 542 - 8989
Brookdale Glen Ellyn 60 North Nicoll Ave, Glen Ellyn, IL 60137 +1 (630) 446 - 1600
Home State Bank 4401 Prime Pkwy Temporarily Closed, McHenry, IL 60050 +1 (815) 759 - 2000
Check Into Cash 551 Dundee Ave, East Dundee, IL 60118 +1 (847) 836 - 9490
PLS Loan Store 2510 Grand Ave, Waukegan, IL 60085 +1 (847) 249 - 4476
Barri Agent 14 N Ayer St, Harvard, IL 60033
Elite Community Credit Union 515 S Main St, Bourbonnais, IL 60914 +1 (815) 933 - 7711

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Athens, IL, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Mount Prospect, IL, Payday Loans in Mundelein, IL, Payday Loans in Naperville, IL, Quick Loan in North Chicago, IL, Payday Loans in Northbrook, IL, Quick Loan in Oak Lawn, IL, Short-term Loans in Oak Park, IL and Payday Loans in Orland Park, 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 Athens, IL.

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

62613

Are Payday Loans Legal In Athens, 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

Athens, IL payday loan calculator

Advise to read before applying

Payday Loans in Athens, Illinois: A Comprehensive Guide

Payday loans are a form of short-term, high-interest loans that many Americans rely on to cover unexpected expenses between paychecks. In Athens, Illinois, payday loans are legal and regulated under state law. This article will provide you with a complete guide to payday loans in Athens, Illinois, including how they work, the laws that regulate them, and some of the benefits and risks associated with using them.

How Do Payday Loans Work in Athens, Illinois?

Payday loans are designed to be a short-term solution for those who need cash quickly. They are typically small loans, usually ranging from $100 to $1000, with repayment terms of two to four weeks. Borrowers are typically required to provide proof of income and a valid ID, and lenders may also require a post-dated check or access to the borrower’s bank account to secure the loan.

When the loan is due, the borrower must repay the full amount plus interest and fees. If the borrower is unable to repay the loan in full, most lenders in Athens, Illinois offer rollover options, which allow the borrower to extend the loan for an additional fee.

What Are the Requirements for a Payday Loan in Athens, Illinois?

To be eligible for a payday loan in Athens, Illinois, you must:

  • Be at least 18 years of age
  • Have a valid ID
  • Provide proof of income
  • Have an active checking account

Some lenders may also require a minimum credit score, but this varies by lender.

What Are the Laws Governing Payday Loans in Athens, Illinois?

Payday loans in Athens, Illinois are regulated under the Illinois Consumer Installment Loan Act (CILA). Under this law, lenders are required to:

  • Be licensed and registered with the Illinois Department of Financial and Professional Regulation (IDFPR)
  • Provide borrowers with a written loan agreement that outlines the terms and conditions of the loan
  • Offer repayment plans for borrowers who are unable to repay their loan in full
  • Limit the amount of fees and interest that can be charged on payday loans

It is important to note that the maximum amount a borrower can borrow in Illinois is $1000 or 25% of their gross monthly income, whichever is less.

The Benefits of Payday Loans in Athens, Illinois

Payday loans can be a valuable resource for those who need cash quickly and have limited access to more traditional forms of credit. Some of the benefits of payday loans in Athens, Illinois include:

  • Quick and easy access to cash
  • No credit check required
  • Ability to secure a loan with bad credit or no credit history

The Risks of Payday Loans in Athens, Illinois

While payday loans can be helpful in a pinch, they also come with some risks. Some of the risks associated with payday loans in Athens, Illinois include:

  • High interest rates and fees
  • Short repayment terms
  • Debt cycle if the loan is not repaid in full

Interesting Facts and Statistics about Payday Loans in Athens, Illinois

  • The average payday loan in Illinois is $354
  • Illinois residents take out an estimated 200,000 payday loans per year
  • Illinois has some of the most stringent payday loan laws in the country

Apply Now

If you are in need of a payday loan in Athens, Illinois, TheGuaranteedLoans.com can help. As a connector service, we work with a network of potential lenders who can help you get the cash you need quickly and easily. To apply, simply fill out our online application, and we will work to connect you with a lender who can meet your needs. Remember, payday loans should only be used as a short-term solution, and you should always make sure you can repay the loan before taking it out.

F.A.Q.

Can payday lenders in Athens, Illinois require borrowers to provide collateral in order to take out a loan?

No, in Athens, Illinois, payday lenders cannot require borrowers to provide collateral in order to take out a loan. Borrowers who are asked to provide collateral should be wary of the lender and consider alternative options.

What is a payday loan in Athens, Illinois?

A payday loan is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday. These loans are typically offered by non-bank lenders, such as storefront lenders or online lenders, and are often used by people who need quick access to cash to cover unexpected expenses or to bridge a temporary gap in their finances.

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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