Payday Loans in Scottville, Illinois

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

Company nameAddressZip codePhone number
All Credit Lenders 7914 N 2nd St A, Machesney Park, IL 61115 +1 (815) 209 - 0108
Advance America 4311 E Lincolnway Suite B, Sterling, IL 61081 +1 (815) 622 - 4928
Security Finance 935 North State Street, Jerseyville, IL 62052 +1 (618) 639 - 0130
PLS Check Cashing 2507 95th St, Evergreen Park, IL 60805 +1 (708) 425 - 0118
Chase Bank 4001 W 167th St, Country Club Hills, IL 60478 +1 (708) 799 - 5541
Envious Gonzalez 102 W Front St, Harvard, IL 60033 +1 (815) 943 - 7340
Oportun 566 W Lake St, Addison, IL 60101 +1 (630) 338 - 0669
Old Town Credit Inc 297 E S Frontage Rd, Bolingbrook, IL 60440 +1 (630) 783 - 2800
Funkhouser Roberta CPA 214 E Main St, Ridgway, IL 62979 +1 (618) 272 - 3461
Cash Store 281 US-6 Unit 110, Morris, IL 60450 +1 (815) 941 - 9200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scottville, IL, you can try to find different companies in big cities near by. Check out the following pages here: Short-term 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, 24-Hour Loan in Rockford, IL, Payday Loans in Romeoville, IL and 24-Hour Loan 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 Scottville, IL.

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

62683

Are Payday Loans Legal In Scottville, 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

Scottville, IL payday loan calculator

Advise to read before applying

Understanding Payday loans in Scottville, Illinois

Payday loans are a type of short-term loan that is typically borrowed to help with unexpected bills or expenses. These loans are designed to be repaid within a short period, usually around two weeks.

In Scottville, Illinois, payday loans are legal and regulated by state laws and regulations. This article aims to provide you with a better understanding of how payday loans work in Scottville and what to consider before applying for one.

How do Payday loans work in Scottville, Illinois?

Payday loans in Scottville, Illinois, are regulated by the Illinois Department of Financial and Professional Regulation. To qualify for a payday loan, you must be at least 18 years old, have a steady income source, and a valid bank account.

The maximum amount you can borrow in Illinois is $1000 or 25% of your gross monthly income, whichever is less. The loan term can range from 13 to 120 days, depending on the loan amount and terms offered by the lender.

The interest rate on payday loans in Scottville, Illinois, is capped at 404%. For example, if you borrow $100, you will have to repay $124 within two weeks.

It’s important to note that payday loans are expensive, and if you can’t repay them within the agreed time, you may have to pay additional fees and interest charges.

What to Consider Before Applying for a Payday Loan in Scottville, Illinois

Before taking out a payday loan, consider the following factors:

  • Loan amount and fees: Make sure you understand the total amount you need to borrow and how much you will have to pay back in fees and interest. Compare offers from different lenders to find the best deal.
  • Repayment terms: Understand the repayment terms and due dates. Make sure you can repay the loan in full within the allotted time.
  • Alternative options: Consider alternative options, such as borrowing from family or friends, negotiating with creditors, or applying for a personal loan from a bank or credit union. These alternatives will typically have lower interest rates and fees than a payday loan.
  • Financial situation: Consider your overall financial situation and whether taking out a payday loan will worsen your long-term financial health. If you’re already struggling with debt, a payday loan may not be the best option for you.

Interesting facts about Payday loans in Scottville, Illinois

  • The average payday loan APR in Illinois is 297%, which is higher than the national average of 400%
  • According to the Illinois Department of Financial and Professional Regulation, the average payday loan borrower in the state takes out eight loans per year
  • The majority of payday loan borrowers in Illinois are women and minorities, according to a report by the Woodstock Institute

Apply Now

If you’re considering a payday loan in Scottville, Illinois, TheGuaranteedLoans can help. We’re a connecting service that can match you with potential lenders based on your financial needs. Fill out our quick online application form, and we’ll help you find a lender that can meet your needs.

Remember, TheGuaranteedLoans is not a direct lender. We simply connect you with lenders and help facilitate the loan process. Make sure you read and understand all terms and conditions before accepting a loan offer from a potential lender.

Conclusion

Payday loans can be a useful tool for those who need quick cash in an emergency. However, they come with high-interest rates and fees and should only be considered as a last resort. If you’re thinking of taking out a payday loan in Scottville, Illinois, make sure you understand all the terms and conditions, and consider whether it’s the best option for your financial situation.

F.A.Q.

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

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

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

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

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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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