Payday Loans in Castleton, Illinois

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

Company nameAddressZip codePhone number
First National Bank 800 Washington Ave, Cairo, IL 62914 +1 (618) 734 - 1800
Todds Pawn Shop 300 N Milwaukee Ave Ste G, Lake Villa, IL 60046 +1 (847) 356 - 3600
Martin Financial Services 100 S Main St, Washington, IL 61571 +1 (309) 444 - 9696
Jewelry & Electronics Exchange JEX 1217 Sheridan Rd A, Winthrop Harbor, IL 60096 +1 (847) 746 - 2066
Heights Finance Corporation 3726 W Elm St, McHenry, IL 60050 +1 (815) 759 - 3713
Peoples Bank & Trust 200 S Locust St, Pana, IL 62557 +1 (217) 562 - 2137
PLS Check Cashing Store 5947 W Roosevelt Rd, Cicero, IL 60804 +1 (708) 656 - 8585
Roanoke-Benson Community Bank 416 W Front St, Roanoke, IL 61561 +1 (309) 923 - 7272
Midwest Title Loans 12047 S Western Ave, Blue Island, IL 60406 +1 (708) 824 - 1045
AAA Community Finance I 714 Lincoln Hwy, Fairview Heights, IL 62208 +1 (618) 622 - 0681

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Castleton, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Wheeling, IL, Payday Loan for Woodridge, IL, Payday Loans in Addison, IL, Payday Loans in Algonquin, IL, Bad Credit Loans in Arlington Heights, IL, Payday Loan for Aurora, IL, Online Loans in Bartlett, IL and Bad Credit Loans in Belleville, 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 Castleton, IL.

Useful Articles

Are Payday Loans Legal In Castleton, 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

Castleton, IL payday loan calculator

Advise to read before applying

Payday loans are a popular solution for those facing unexpected expenses or needing a financial boost between paychecks. Castleton, Illinois is one of the many locations where payday loans are legal and widely available. In this article, we’ll explore everything you need to know about payday loans in Castleton, Illinois, from the application process to the legal requirements.

What is a payday loan?

A payday loan, also known as a cash advance or payday advance, is a short-term loan typically due on the borrower’s next payday. Borrowers can typically receive loan amounts ranging from $100 to $1,000, depending on the lender and the borrower’s qualifications. Payday loans have a reputation for high interest rates and fees, and should only be used as a last resort option.

How to apply for a payday loan in Castleton, Illinois

Applying for a payday loan in Castleton, Illinois can be a quick and easy process. Most lenders require that borrowers meet the following criteria:

  • Be at least 18 years of age
  • Have a valid government-issued ID
  • Show proof of income and employment
  • Have an active checking account

Once a borrower meets these requirements, they can typically apply for a loan by filling out an online application or visiting a local lender in person. The application process typically only takes a few minutes, and borrowers can often receive funds on the same day if approved.

Legal requirements for payday loans in Castleton, Illinois

Payday loans are legal in Illinois, including Castleton. However, the state has implemented certain regulations and requirements for payday lenders. Here are some of the key legal requirements:

  • Maximum loan amount: $1,000 or 25% of borrower’s gross monthly income, whichever is less
  • Maximum loan term: 120 days
  • Finance charges: $15.50 per $100 borrowed
  • A borrower may not have more than two payday loans at a time

It’s important to note that Illinois law also prohibits lenders from rolling over loans (extending the due date) more than twice. This helps prevent borrowers from falling into a cycle of debt and high interest rates.

Interesting Facts About Payday Loans in Castleton, Illinois

  • Illinois has more than 1,500 payday loan storefronts throughout the state.
  • Approximately 5.5% of adults in Illinois have taken out a payday loan in the past year.
  • The average payday loan amount in Illinois is $354.
  • Most payday loan borrowers in Illinois have an annual income of less than $30,000.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can happen to anyone. We offer a free, online application to connect borrowers with potential lenders that can help them get the funds they need. As a connector service, we are not a direct lender, but we work with reputable lenders to ensure our clients get the best possible loan terms and rates. If you need a payday loan in Castleton or anywhere else in Illinois, we encourage you to apply now and let lenders compete for your business.

Remember, when taking out a payday loan, it’s important to read and understand all terms and conditions, including interest rates, fees, and borrower rights. Only borrow what you can afford to pay back, and never take out a loan to pay off another loan.

F.A.Q.

How do payday loans work in Castleton, Illinois?

To obtain a payday loan in Castleton, Illinois, borrowers typically have to provide proof of income, a valid ID, and a checking account. The lender will then advance the borrower a small amount of money, typically up to $1,000, which must be repaid on the borrower's next payday. The loan will typically include fees and interest charges, which can make it expensive to repay.

Are payday loans legal in Castleton, Illinois?

Yes, payday loans are legal in Castleton, Illinois, but they are subject to certain regulations designed to protect borrowers from predatory lending practices. For example, Illinois law limits the amount of interest and fees that can be charged on payday loans, and it requires lenders to disclose the terms of the loan to the borrower before the loan is made.

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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