Payday Loans in Cedarville, Illinois

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

Company nameAddressZip codePhone number
Illinois Currency Exchange 5201 W 159th St, Oak Forest, IL 60452 +1 (708) 535 - 1100
Illinois Lending 15826 South La Grange Road, Orland Park, IL 60462 +1 (708) 349 - 5400
U.S. Bank Branch 1401 S Main St, Normal, IL 61761 +1 (309) 452 - 4146
Woodforest National Bank 21101 McGuire Rd, Harvard, IL 60033 +1 (815) 943 - 6041
Regions Bank 3206 Nameoki Rd, Granite City, IL 62040 +1 (618) 219 - 1800
United Community Bank 404 N Broad St, Carlinville, IL 62626 +1 (217) 854 - 4755
Mid-Illini Credit Union 1811 Eastland Dr, Bloomington, IL 61704 +1 (309) 661 - 1166
Walmart Money Center 1790 E Walnut St, Watseka, IL 60970
Vibrant Credit Union - SouthPark 4400 16th St, Moline, IL 61265 +1 (309) 796 - 7500
Tower Loan 1733 30th St #104, Rock Island, IL 61201 +1 (309) 644 - 4987

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedarville, IL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Gurnee, IL, Payday Loans in Hanover Park, IL, Payday Loans in Hoffman Estates, IL, Quick Loan in Joliet, IL, Payday Loans in Lombard, IL, Payday Loan Companies in Moline, IL, Payday Loans in Mount Prospect, IL and Payday Loans in Mundelein, 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 Cedarville, IL.

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

61013

Are Payday Loans Legal In Cedarville, 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

Cedarville, IL payday loan calculator

Advise to read before applying

Payday Loans in Cedarville, Illinois

Payday loans are a convenient way to get quick cash when you need it most. While many people are hesitant to take out a payday loan, they can be a helpful option for those who are facing unexpected expenses or emergencies. In Cedarville, Illinois, payday loans are legal, regulated, and can be a valuable resource for those in need. In this article, we will discuss the ins and outs of payday loans in Cedarville so that you can make an informed decision if you are ever in need.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to help individuals cover unexpected expenses or bills that they may not be able to pay otherwise. These loans are typically small amounts, ranging from a few hundred to a few thousand dollars, and they are intended to be paid back quickly.

The process of applying for a payday loan is relatively straightforward. You will usually need to provide proof of income, a checking account, and your identification. Once approved, you could receive the loan in as little as 24 hours.

How are Payday Loans Regulated in Cedarville?

In Illinois, payday loans are legal and are regulated by the Illinois Department of Financial and Professional Regulation (IDFPR). The state has put several regulations in place to protect borrowers from predatory lending practices.

For example, lenders cannot charge more than $15.50 per $100 borrowed, and loans must be repaid within 13 to 45 days. Additionally, borrowers cannot take out more than two payday loans at a time, and the total amount borrowed cannot exceed $1,000 or 25% of the borrower’s gross monthly income.

It is important to note that while payday loans are legal in Cedarville, they may not be the best option for everyone. Due to their high interest rates and short repayment periods, payday loans can be a costly form of borrowing. Borrowers should carefully consider their ability to repay the loan before taking it out and explore alternative options if possible.

Interesting Facts and Statistics about Payday Loans in Cedarville

  • According to the IDFPR, there were 14,340,021 payday loans issued in Illinois in 2019.
  • The average payday loan borrower in Illinois takes out 5 loans per year and spends an average of 200 days in debt per year.
  • More than half of payday loan borrowers in Illinois have an annual income of less than $30,000.

Apply Now

Need quick cash in Cedarville, Illinois? Apply online now with TheGuaranteedLoans. We are a connector service, not a direct lender, and we can help connect you with potential lenders who may be able to offer you a payday loan. Our online application process is quick and easy, and you could receive a decision in minutes. Remember, payday loans are legal in Illinois, but they may not be the best option for everyone. Be sure to carefully consider your finances before applying.

Don’t let unexpected expenses or emergencies catch you off guard. Apply now with TheGuaranteedLoans and get the cash you need today.

F.A.Q.

What happens if I am unable to repay my payday loan in Cedarville, Illinois?

If you are unable to repay your payday loan in Cedarville, Illinois, the lender may take legal action against you to recover the outstanding amount. The lender may also charge late fees and additional interest. It is important to communicate with your lender and try to come to a mutually agreed upon repayment plan if you are unable to repay the loan on time.

Can I renew or rollover my payday loan in Cedarville, Illinois?

No, Illinois law does not allow for the renewal or rollover of payday loans.

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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