Payday Loans in Harristown, Illinois

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

Company nameAddressZip codePhone number
Cash Store 910 Giacone Dr, Benton, IL 62812 +1 (618) 435 - 2300
Busey Bank 301 E Cedar St, Le Roy, IL 61752 +1 (309) 962 - 2311
Rock Valley Credit Union 561 E Flagg Rd, Rochelle, IL 61068 +1 (815) 562 - 7036
First Financial Bank 1601 State St, Lawrenceville, IL 62439 +1 (618) 943 - 3323
Sauk Valley Bank 300 Walton Dr, Dixon, IL 61021 +1 (815) 284 - 2300
U.S. Bank Branch 201 N Elm St, Centralia, IL 62801 +1 (618) 533 - 7100
Village Jewelers & Loan Ltd 2310 W North Ave, Melrose Park, IL 60160 +1 (708) 343 - 2211
CEFCU ATM 12200 N Brentfield Dr, Dunlap, IL 61525 +1 (800) 542 - 3328
pls Loan Store 1515 Western Ave, Chicago Heights, IL 60411 +1 (708) 747 - 8400
Farm Credit Services of Illinois 200 N Morgan St, Shelbyville, IL 62565 +1 (217) 774 - 9535

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harristown, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pekin, IL, Payday Loans in Peoria, IL, Payday Loan Without a Credit Check in Plainfield, IL, Emergency Loan in Quincy, IL, 24-Hour Loan in Rock Island, IL, Guaranteed Loans in Rockford, IL, Payday Loans in Romeoville, IL and Payday Loans in Saint Charles, 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 Harristown, IL.

Beautiful sights of Harristown, IL

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

62537

Are Payday Loans Legal In Harristown, 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

Harristown, IL payday loan calculator

Payday Loans in Harristown, Illinois

If you live in Harristown, Illinois, and need quick access to funds, payday loans are a viable option. Payday loans, also known as cash advances, are short-term loans that are typically due on the borrower’s next payday. These loans can be helpful in case of unexpected expenses, such as a medical bill or car repair.

Illinois state law allows for payday lending, meaning that residents of Harristown can legally apply for and receive payday loans. However, it’s important to understand the terms of the loan and the responsibilities of the borrower before taking out a payday loan.

How Payday Loans Work in Harristown, Illinois

Payday loans in Harristown, Illinois, are typically for amounts ranging from $100 to $1,000, with a maximum loan term of 31 days. To apply for a payday loan, the borrower must provide proof of income, such as a recent pay stub or bank statement, and a valid form of identification.

If approved, the funds are typically deposited into the borrower’s bank account within 24 hours. Repayment is usually due on the borrower’s next payday, and the lender will automatically withdraw the loan amount plus any fees from the borrower’s bank account.

Payday Loan Regulations in Harristown, Illinois

While payday loans are legal in Illinois, the state has implemented regulations to protect borrowers. The maximum loan amount is $1,000, and the maximum loan term is 31 days. Lenders may charge up to $15.50 for every $100 loaned.

Additionally, the state of Illinois mandates a cooling-off period for borrowers. After having a payday loan for 45 consecutive days, the borrower must wait seven days before applying for another payday loan.

The Benefits of Payday Loans in Harristown, Illinois

  • Quick access to funds
  • No credit check required
  • Easy application process
  • Funds can be used for any purpose

The Risks of Payday Loans in Harristown, Illinois

  • High fees and interest rates
  • Potential for rollover or renewal, leading to a cycle of debt
  • Risk of defaulting on loan and damaging credit score

Interesting Facts and Statistics about Payday Loans in Harristown, Illinois:

  • There are over 2,400 payday loan storefronts in Illinois.
  • The average payday loan in Illinois is $365.
  • Illinois law prohibits lenders from rolling over loans to avoid the cooling-off period.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that can help connect you with potential lenders in Harristown, Illinois. If you’re interested in applying for a payday loan, you can fill out an online application on our website.

It’s important to understand that TheGuaranteedLoans is not a direct lender and does not make credit decisions. Our service is designed to connect you with potential lenders who may be able to provide the funds you need.

In conclusion, payday loans can be a helpful financial tool for residents of Harristown, Illinois, who need quick access to funds. However, it’s important to understand the risks and responsibilities of taking out a payday loan. By using TheGuaranteedLoans, you can apply for a payday loan in a safe and convenient way.

F.A.Q.

How do I find a licensed payday lender in Harristown, Illinois?

To find a licensed payday lender in Harristown, Illinois, you can visit the Illinois Department of Financial and Professional Regulation website and search for licensed lenders in your area. You can also search online for payday lenders and check their license status with the state.

How do I compare payday loan offers in Harristown, Illinois?

To compare payday loan offers in Harristown, Illinois, you should carefully review and compare the interest rate, fees, repayment terms, and any other applicable charges for each lender. You should also consider the lender's reputation and customer service, as well as any potential consequences of defaulting on the loan.