Find a Payday Loan in Illinois with Loanza

Only 3 Minutes to Complete Our Form

Loanza could help you find the ideal payday loan in Illinois today. From Elgin to Champaign and Joilet to Chicago, you could fill in our fast three-minute form online and get funded in as little as one hour, same day or next business day. Borrow from $100 up to $35,000 in Illinois via Loanza today.

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How can I get a payday loan in Illinois?

Speed up the process of getting a payday loan in Illinois today. Our three-step process has got you covered.

Complete our online form

Our online form is fast and simple, you can complete it with your details (such as your address in Illinois) in less than 3 minutes.

Fast decision

You could get a lender’s decision in minutes. Read the terms, if you’re happy with them, sign the agreement for the loan.

Get your funds

If the lender approves your request, you could get your funds today or the following business day.

Will I meet eligibility requirements for an Illinois payday loan?

You must meet the following requirements to be able to take out a payday loan if you live in Illinois:

  • You must be aged 18 or over
  • You need an American citizenship
  • You must have a regular and stable income
  • You need a current account to receive your funds

What are the payday loans regulations in Illinois?

Price Cap 36%
Maximum Loan Amount $1,000 or 25% of the gross monthly income of the borrrower
Minimum Loan Term 13 days
Maximum Loan Term 120 days
Maximum Rollovers 0
Maximum Installments
Finance Charges 15.5% per $100 + $1 verification fee


Representative Example of a $500 Payday Loan with 36% APR in Illinois:

  • You borrow $500 for 1 month (31 days)
  • Your 36% APR means you will pay $15 in interest
  • You will pay back $515 at the end of your loan term

loan calculator

Is a payday loan in Illinois the right one for my needs?

Every day, people living in Illinois consider a payday loan to help with a short-term unexpected expense. Payday loans are intended for the extreme short term, offering a small sum to deal with a bill or meet an unplanned for expense.

If you can afford to repay the loan and you’re intending to use it for a purpose like this, you might be suited to an Illinois payday loan.

We have links to lenders who specialize in helping those with bad credit or even no credit.

Loanza could help connect you with a payday loan in Illinois today:

  • Fast online loan search service
  • Options for bad or no credit history
  • Get funded the same business day or next

Payday loans in Illinois are not suited to larger sums of money repaid over a longer period. Loanza could still assist you though, as we could connect you with a lender who can provide installment loans instead. You should never use a payday loan to pay for anything frivolous or impulsive.

Do you offer payday loans in Chicago?

You’re in the ideal place with Loanza if you’re looking for payday loan in Chicago, or anywhere in the state of Illinois. From Rockford, Aurora, Joilet, Elgin, Naperville, Waukegan, Peoria to Springfield, Loanza services the whole state of Illinois.

All you need to do is fill in our online form in a few minutes. We’ll search for a competitive payday loan from our range of lenders and bring you a result within moments.

You could receive details shortly and decide whether to request the loan from our suggested lender. Funds could be with you in as little as one day or on the next business day.

Installment loans are available for up to $35,000 – and you can use our free search service to find a great deal from anywhere in the United States. Loanza is designed to help you and take away the hard work, leaving you with far less hassle. We could help you find a loan, connecting you with a lender who is trusted and licensed.

Where in Illinois can I apply for a payday loan from?

No matter where you are in the state of Illinois, you can apply for a payday loan online with ease with Loanza.

Arlington Heights
Des Plaines

Orland Park
Oak Lawn
Mount Prospect
Tinley Park
Oak Park
Hoffman Estates
Downers Grove
Buffalo Grove

Crystal Lake
Carol Stream
Park Ridge
Hanover Park
Rock Island
Calumet City
Glendale Heights
St. Charles
Elk Grove Village

North Chicago
Highland Park
Lake in the Hills
Glen Ellyn
Chicago Heights
Oak Forest
Round Lake Beach
Granite City
New Lenox

Vernon Hills
West Chicago
Melrose Park
Morton Grove
Homer Glen
Elmwood Park
Rolling Meadows
South Elgin

Loves Park
Blue Island
Machesney Park
Villa Park
East Peoria
South Holland
Park Forest
East Moline
Crest Hill and many more!

How long does it take to get the funds in Illinois?

Some payday loans in Illinois reach their recipients within hours. In most cases, you can expect to receive the funds on the next business day after completing your form.

Once you’ve filled in our online form, we’ll hunt for a suitable lender in our network in Illinois. If they approve your request, you’ll receive your cash sooner than you might think.

What should I think about before requesting a payday loan in Illinois?

Ask yourself whether you can afford to repay it according to the conditions of the loan. Look at your income, your outgoings, and the amount you could potentially borrow according to Illinois law.

Never borrow up to the maximum amount of surplus funds you have each month, as it doesn’t allow for unexpected expenses to come in.

Look at the repayment amount too and think about how long you might repay it for. The loan term and interest could affect the total amount you repay.

What makes Loanza the ideal choice for finding a payday loan in Illinois?

At Loanza, we’ve worked hard to develop a network of trusted lenders throughout Illinois. It’s easier to complete our form to access a competitive quote from one of these lenders than it is to go it alone. We could save you time, hassle, and make it simpler to source the payday loan you’re looking for.

  • Loanza is free!
  • Quick to apply online
  • Bad credit? No problem
  • Funding received same or next business day
  • Borrow from $100 to $35,000
  • Access trusted and responsible Illinois direct lenders
  • Our search won’t harm or affect your credit score
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Loanza offers payday loans all across Illinois

Loanza works with lenders all across Illinois to help borrowers get the money they need.


Does Loanza charge fees for using its service?

No – Loanza is free for you to use to search for a payday loan in Illinois. You won’t find any hidden strings or fees when you search with us.

How much can I borrow in Illinois?

A payday loan must not be worth more than $1,000 or 25% of your gross monthly income, whichever value is the lower of the two. This directly links the value of the loan to your earnings, ensuring the payday loan cannot go above a certain value.

I’ve got bad credit; will this affect me getting a payday loan in Illinois?

You can still search for a payday loan if you have bad credit. At Loanza, we’ve made connections with dozens of lenders, some of which provide their services to people with bad credit histories. If you can prove you’re able to afford the repayments, you may find you can get a payday loan more easily than you think. It’s about affordability rather than your history. Having a regular income is the most important thing.

Is Loanza a lender or a broker?

We help connect you with direct lenders who may be able to serve you with the loan you want. We do not directly loan money.

How long could I borrow money for?

It depends on the loan amount and the type of loan you want. Payday loans are repaid quickly, often within a month. Loans in Illinois that last up to five years are called installment loans, and these have more flexibility in the length of the term.

Is there a limit or cap on Illinois payday loans?

The Predatory Loan Prevention Act was brought into law in March 2021. This states that the maximum interest rate for a payday loan is 36% APR.

How do I make repayments on my payday loan in Illinois?

These are made clear by your lender before you take out the loan. A payday loan could mean you clear the amount plus interest when you’re next paid. If you’re repaying an installment loan over several months or years, you should see the same amount leave your checking account on the same day each month.

Looking for a payday loan in Illinois?

Contact us today to find out how we can help you.