Payday Loans in Edelstein, Illinois

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

Company nameAddressZip codePhone number
Marine Bank 102 N Congress St, Rushville, IL 62681 +1 (217) 322 - 4387
TBK Bank 701 Avenue of the Cities, East Moline, IL 61244 +1 (309) 752 - 1400
Grundy Bank 201 Liberty St, Morris, IL 60450 +1 (815) 942 - 0130
Fifth Third Bank & ATM 1800 N Neltnor Blvd, West Chicago, IL 60185 +1 (630) 562 - 7250
Fairfield National Bank 220 E Main St, Fairfield, IL 62837 +1 (618) 842 - 2107
BMO Harris Bank - Mortgage Banker Jeffrey Santo 110 W Maple St, New Lenox, IL 60451 +1 (708) 571 - 6552
Todds Pawn Shop 300 N Milwaukee Ave Ste G, Lake Villa, IL 60046 +1 (847) 356 - 3600
America's Financial Choice 667 River Oaks Dr, Calumet City, IL 60409 +1 (708) 891 - 2434
United States Postal Service 98 Franklin St, La Moille, IL 61330 +1 (800) 275 - 8777
Walmart Money Center 2111 Claude Bailey Pkwy, Princeton, IL 61356 +1 (815) 875 - 4521

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Edelstein, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hoffman Estates, IL, Payday Loans in Joliet, IL, Payday Loans in Lombard, IL, Payday Loans in Moline, IL, Payday Loans in Mount Prospect, IL, Payday Loans in Mundelein, IL, Short-term Loans in Naperville, IL and Payday Loans in North Chicago, 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 Edelstein, IL.

Useful Articles

Are Payday Loans Legal In Edelstein, 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

Edelstein, IL payday loan calculator

Advise to read before applying

Payday Loans in Edelstein, Illinois – Understanding the Basics

When financial emergencies arise – unexpected bills, car repairs, or medical expenses – you may need access to quick cash to cover these costs. For many individuals in Edelstein, Illinois, payday loans may be a useful solution to get the cash they need. In this article, we will go over the basics of payday loans, their legality in Illinois, and how TheGuaranteedLoans can assist you in connecting with potential lenders.

What are Payday Loans?

Payday loans are a type of short-term loan that is generally due on your next payday. These loans are designed to provide cash quickly for individuals who are faced with unexpected financial hardships. The amount of the loan typically ranges from $100 to $1,000, and the funds are deposited directly to your bank account.

The repayment terms for payday loans are usually within 14 to 30 days, depending on when you receive your paycheck. The loan is repaid in a single payment, which includes the loan amount plus any fees and interest charges.

Payday Loan Legality in Illinois

Payday loans are legal in Illinois, but there are regulations in place to protect consumers. The Illinois Department of Financial and Professional Regulation oversees the payday loan industry in the state.

According to Illinois law, payday loans cannot exceed $1,000 or 25% of your gross monthly income, whichever is less. The term of the loan cannot exceed 120 days, and the lender cannot charge more than $15.50 per $100 borrowed.

It is important to note that rollovers or refinancing of the loan are not allowed in Illinois. This means that you cannot take out another loan to pay off the original loan. Additionally, lenders are prohibited from threatening criminal action if you fail to repay the loan.

Benefits of Payday Loans

  • Quick access to cash
  • No collateral required
  • Helpful for emergency situations
  • No credit check required

Drawbacks of Payday Loans

  • High fees and interest rates
  • Short repayment terms
  • Potential for debt cycle

Interesting Facts and Statistics

  • In 2019, Illinois borrowers took out more than 200,000 payday loans, totaling over $81 million in loans.
  • The average borrower in Illinois takes out eight loans per year.
  • According to a 2016 report by the Center for Responsible Lending, the average APR for payday loans in Illinois was 297%.

TheGuaranteedLoans – Your Payday Loan Connector Service

TheGuaranteedLoans is a connector service that helps individuals in Edelstein, Illinois connect with potential payday loan lenders. Our application process is simple and straightforward, with no hidden charges or fees.

We work with a network of reputable lenders who follow Illinois state regulations, ensuring that you are getting a fair deal. By providing basic information and completing our online form, TheGuaranteedLoans can help you find the right lender to suit your financial needs.

Apply Now

If you are in need of quick cash to cover unexpected expenses, consider applying for a payday loan with TheGuaranteedLoans. Our network of lenders can provide access to funds in as little as one business day. Remember that payday loans should only be used for emergency situations, and that they come with fees and high interest rates.

Apply now and let TheGuaranteedLoans assist you in finding the right payday loan lender for you.

F.A.Q.

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

The maximum amount that can be borrowed with a payday loan in Edelstein, Illinois is $1,000.

What is the maximum interest rate for payday loans in Edelstein, Illinois?

The maximum interest rate for payday loans in Edelstein, Illinois is 99% per year.

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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