Payday Loans in Humboldt, Illinois

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

Company nameAddressZip codePhone number
Fast Payday Loans Waukegan 526 Evergreen Ct, Waukegan, IL 60085
815 Custom Auto 309 S Park Ave 1342, South Beloit, IL 61080 +1 (815) 668 - 8801
BMO Harris Bank 826 E 9th St, Lockport, IL 60441 +1 (815) 838 - 8600
Advance America 4311 E Lincolnway Suite B, Sterling, IL 61081 +1 (815) 622 - 4928
America's Financial Choice, Inc. 1107 E Sibley Blvd, Dolton, IL 60419 +1 (708) 201 - 0668
New Holland Banking Center 109 W Lincoln St, New Holland, IL 62671 +1 (217) 445 - 2211
World Finance 1091 W Broadway, Centralia, IL 62801 +1 (618) 533 - 2094
Collinsville Quick Cash Inc 1710 Vandalia St, Collinsville, IL 62234 +1 (618) 344 - 3636
Booth Currency Exchange, Inc. 14126 S Bell Rd, Homer Glen, IL 60491 +1 (708) 301 - 4884
First State Bank 211 S Division Ave, Polo, IL 61064 +1 (815) 946 - 2777

Payday Loan Companies in Nearby Cities

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

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

61931

Are Payday Loans Legal In Humboldt, 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

Humboldt, IL payday loan calculator

Advise to read before applying

When unexpected expenses hit, a payday loan can be an excellent option for those looking to get quick access to cash. If you are a resident of Humboldt, Illinois, you’re in luck – payday loans are legal in the state of Illinois.

What is a Payday Loan?

A payday loan is a short-term, small-dollar loan intended to cover unexpected expenses until your next payday. Typically, payday loans are due on your next payday or within a few weeks. They have high-interest rates and fees, making them an expensive form of borrowing. However, for those with no other options, payday loans can provide a necessary safety net in times of financial difficulty.

How to Get a Payday Loan in Humboldt, Illinois

Getting a payday loan in Humboldt, Illinois, is a straightforward process. First, you need to find a licensed lender that operates in the state. Then, you’ll need to provide proof of income and have an open and active checking account. Once your application is approved, you’ll receive the funds as soon as the same day or the following business day.

Choosing the Right Payday Lender in Humboldt, Illinois

Not all payday lenders in Humboldt, Illinois, are created equal, and some may charge higher fees and interest rates than others. It’s essential to do your research and find a reputable lender that offers competitive rates and fees. Look for lenders that are licensed and regulated by the state of Illinois, and read reviews and ratings from previous customers to ensure you’re making an informed choice.

Payday Loan Regulations in Humboldt, Illinois

Payday lenders in Humboldt, Illinois, are regulated by the Illinois Department of Financial and Professional Regulation. The state has implemented strict regulations to protect borrowers from unscrupulous lenders and ensure fair lending practices. For example, the maximum loan amount is $1,000 or 25% of the borrower’s gross monthly income, whichever is less, and lenders cannot charge more than $15.50 per $100 borrowed. Additionally, lenders must disclose the loan’s annual percentage rate (APR) upfront, making it easier for borrowers to compare the true cost of borrowing.

Interesting Facts and Statistics about Payday Loans in Humboldt, Illinois

  • In 2019, over 818,000 payday loans were taken out in Illinois, totaling over $309 million in loans.
  • The average payday loan in Illinois is $365, with an APR of 404%.
  • In Humboldt, Illinois, there are several payday lenders to choose from, ranging from storefront locations to online options.

Apply Now

If you’re considering a payday loan in Humboldt, Illinois, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but a connector service that works to match borrowers with lenders that suit their needs. To get started, fill out our online application and receive a decision within minutes.

Remember, a payday loan should only be considered as a short-term solution for unexpected expenses. Always make sure you can afford to repay the loan before taking one out, and only borrow what you need. And, as always, be sure to read the terms and conditions carefully to ensure you understand the true cost of borrowing.

F.A.Q.

Are there any restrictions on the number of payday loans that can be taken out in Humboldt, Illinois?

Yes, Illinois law limits the number of payday loans that can be taken out at one time to two.

Are there any fees or interest rates associated with payday loans in Humboldt, Illinois?

Yes, payday loans in Humboldt, Illinois come with fees and interest rates. The maximum annual percentage rate (APR) for payday loans in Humboldt, Illinois is 99%, and the maximum finance charge is 15% of the loan amount.

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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