Payday Loans in Kell, Illinois

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

Company nameAddressZip codePhone number
First Federal Savings & Loan 1116 Maine St, Windsor, IL 61957 +1 (217) 459 - 5626
The Gerber State Bank 102 S, IL-48, Oreana, IL 62554 +1 (217) 468 - 2330
ABM Parking Services - Midwest Corporate Office 180 N LaSalle St 1700, Chicago, IL 60601 +1 (855) 234 - 0260
BMO Harris Bank - Drive-up Location 217 E South St, Woodstock, IL 60098 +1 (815) 334 - 2370
State Finance Co 29 E Main St, Belleville, IL 62220 +1 (618) 222 - 8811
Banner Finance of Metropolis 1007 E 5th St, Metropolis, IL 62960 +1 (618) 524 - 5566
U.S. Bank Branch 322 W Morton Ave, Jacksonville, IL 62650 +1 (217) 479 - 5906
First Financial Bank 212 W Oak St, West Frankfort, IL 62896 +1 (618) 932 - 3131
COUNTRY Financial 4590 Princeton Ln 120, Lake in the Hills, IL 60156 +1 (847) 515 - 2436
Payday Loan in Bourbonnais W North St, Bradley, IL 60915 +1 (877) 780 - 1645

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kell, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Palatine, IL, Payday Loans in Park Ridge, IL, Payday Loans in Pekin, IL, Payday Loan for Peoria, IL, Payday Loans in Plainfield, IL, Payday Loans in Quincy, IL, Payday Loans in Rock Island, IL and No Credit Check Loans in Rockford, 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 Kell, IL.

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

62853

Are Payday Loans Legal In Kell, 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

Kell, IL payday loan calculator

Understanding Payday Loans in Kell, Illinois: A Comprehensive Guide

If you’re in need of quick cash to cover unexpected expenses or emergencies, payday loans in Illinois may be an option worth considering. Payday loans are legal in Illinois, including the small town of Kell. However, it’s important to understand the terms and requirements of payday loans before deciding to apply for one. In this guide, we’ll take a closer look at payday loans in Kell, Illinois and what you need to know before applying.

What are Payday Loans?

Payday loans are short-term loans that typically have a repayment term of two weeks to one month. These loans are designed to provide fast cash for emergency expenses, such as car repairs, medical bills, or other unexpected costs. Payday loans generally have higher interest rates compared to traditional loans, which is why they’re often considered a last resort option.

The Laws and Regulations of Payday Loans in Kell, Illinois

Illinois has specific laws and regulations in place to protect consumers who take out payday loans. The maximum amount of a payday loan in Illinois is $1,000 or 25% of the consumer’s gross monthly income, whichever is less. The borrower may have up to two payday loans at one time with a combined maximum loan amount of $1,000. The maximum loan term is 31 days, and lenders are not allowed to charge more than 15.5% interest or $15.50 for every $100 borrowed.

Kell, Illinois, follows state regulations regarding payday loans. This means that residents of Kell are eligible for payday loans, subject to the same limits set by state law.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have pros and cons. Here are a few of the advantages and disadvantages of payday loans.

Pros:

  • Quick access to cash for emergency expenses
  • Easy application process
  • No collateral required, usually only proof of income and valid ID are necessary
  • No credit check in some cases, thus being able to help people who might not otherwise have access to traditional loans

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Risk of getting trapped in a cycle of debt if you can’t repay on time
  • May not be able to borrow as much as you need

Interesting fact: There are more than 400 payday lending storefronts in the state of Illinois.

The Online Application Process

At TheGuaranteedLoans, we make the application process for payday loans in Kell, Illinois simple and easy. Fill out our online application form with your personal information, including your name, address, employment details, and valid ID. Once you’ve submitted your application, we’ll connect you with potential lenders who match your needs. From there, you can choose the lender that works best for you, and you may receive an offer within minutes.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We work to connect you with potential lenders, but we don’t provide the loans ourselves. Be sure to read through the terms and conditions carefully and make sure you understand the loan repayment terms and fees before accepting any offers.

Conclusion

Payday loans in Kell, Illinois can be a helpful resource if you need quick cash for emergency situations. However, it’s important to understand the specific laws and regulations in Illinois and the risks and benefits of payday loans before deciding to apply. At TheGuaranteedLoans, we make the application process easy and convenient by connecting you with potential lenders who match your needs. If you’re in need of fast cash, fill out our online application form now and see what offers you may qualify for.

F.A.Q.

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

To find a licensed payday lender in Kell, 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 Kell, Illinois?

To compare payday loan offers in Kell, 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.