Payday Loans in Versailles, Illinois

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

Company nameAddressZip codePhone number
Fast Payday Loans Joliet 1313 Copperfield Ave, Joliet, IL 60432
Wells Fargo Bank 100 S Main St, Monmouth, IL 61462 +1 (309) 734 - 8585
The Harvard State Bank 9605 Main St, Hebron, IL 60034 +1 (815) 648 - 2481
Central State Bank 701 W Quincy St, Pleasant Hill, IL 62366 +1 (217) 734 - 2356
America's Financial Choice 1043 E Eldorado St, Decatur, IL 62521 +1 (217) 876 - 0123
Pawn Central 1515 E Main St, Galesburg, IL 61401 +1 (309) 341 - 0222
Raymond James Financial Services 100 W Church St, Sandwich, IL 60548 +1 (815) 786 - 8929
Illinois Bank & Trust 151 N Main St, Elizabeth, IL 61028 +1 (815) 858 - 2221
Town and Country Bank 3601 Wabash Ave, Springfield, IL 62711 +1 (217) 787 - 3100
Cash Store 208 Southtowne Shopping Ctr, Du Quoin, IL 62832 +1 (618) 542 - 8989

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Versailles, IL, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Crystal Lake, IL, Payday Loans in Danville, IL, Payday Loan Without a Credit Check in Decatur, IL, Payday Loans in Dekalb, IL, Guaranteed Loans in Des Plaines, IL, 24-Hour Loan in Downers Grove, IL, Payday Loans in Dundee, IL and Payday Loans in Elgin, 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 Versailles, IL.

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

62378

Are Payday Loans Legal In Versailles, 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

Versailles, IL payday loan calculator

Advise to read before applying

Understanding Payday Loans in Versailles, Illinois

Payday loans are short-term, high-interest loans that have been designed to help borrowers facing a financial emergency. These loans are typically due on the next payday of the borrower and are taken out against the borrower’s next paycheck.

Payday loans have been legal in Illinois since 2005, and have become a popular option for those who need quick access to cash. In Versailles, Illinois, payday loans are readily available to anyone who meets certain requirements.

What are the requirements for payday loans in Versailles, Illinois?

In order to qualify for a payday loan in Versailles, Illinois, borrowers need to meet the following requirements:

  • Be 18 years or older
  • Have a steady income
  • Have an active checking account
  • Be a citizen or permanent resident of the United States
  • Provide a valid phone number and email address

In addition to these requirements, some lenders may have additional requirements such as a minimum credit score or a certain level of income.

How do payday loans work in Versailles, Illinois?

In Versailles, Illinois, payday loans work in a similar way to other states. Borrowers can apply for a loan online or in-person at a storefront location. The lender will typically ask for the borrower’s personal and financial information, as well as proof of income and a checking account.

If approved, the lender will deposit the loan amount directly into the borrower’s checking account. The loan amount will be due on the borrower’s next payday, along with interest and any additional fees.

What are the interest rates and fees for payday loans in Versailles, Illinois?

The state of Illinois has regulations in place to protect borrowers from excessive fees and interest rates. The maximum amount a borrower can take out is $1000 or 25% of their gross monthly income, whichever is less. The repayment term cannot be less than 13 days and cannot exceed 120 days.

Illinois law also limits the interest rate on payday loans to 3% per month for the first $100, and 2% per month on any amount above $100. In addition, lenders are allowed to charge a $15.50 fee per $100 borrowed.

Interesting Payday Loan Facts and Statistics in Versailles, Illinois

According to a study conducted by the Illinois Department of Financial and Professional Regulation, the average payday loan borrower in Illinois takes out an average of 5 loans per year, and pays an average of $59 in interest and fees for every $100 borrowed.

It’s also worth noting that the average loan amount in Illinois is $365, and the average repayment term is 32 days.

Apply Now

If you’re in need of a payday loan in Versailles, Illinois, TheGuaranteedLoans is here to help. As a connector service, we work with a network of trusted lenders who are ready to assist you with your financial needs. Simply fill out our online application to get started.

Remember, payday loans should only be used as a last resort and should be repaid on time to avoid excessive interest and fees. If you have any questions or concerns, please don’t hesitate to contact us.

F.A.Q.

Are there any restrictions on how payday loans can be used in Versailles, Illinois?

Yes, payday loans in Versailles, Illinois must be used for immediate, short-term financial needs, and cannot be used to pay off other loans or debts.

What are the interest rates and fees associated with payday loans in Versailles, Illinois?

in Versailles, Illinois, payday lenders can charge an annual interest rate of up to 99%. In addition, lenders can charge origination fees, late fees, and non-sufficient funds fees.

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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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