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Best Online Payday Loans In Illinois

Life can throw you some serious curveballs that affect you and your wallet. Maybe you’ve been hit with some serious medical bills, student debt, or can’t seem to pay for your rent this month. 

Payday loans can help you out during hard financial times with short pay-off terms and a substantial amount of cash to use as you see fit. 

Luckily, if you live in Illinois, you can take advantage of the many useful online payday loan institutions. When it comes to payday loans, you need to pay attention to various fees, interest rates, loan amounts, terms, and site credibility. 

We’ve narrowed down your search to the 10 best online payday loans in Illinois to help you out with your search so all you need to worry about is getting your money. Whether you need cash now, want low-interest rates, or need to take out two loans at once, these 10 best online payday loans in Illinois have got you covered. 

Table of Contents

Best Online Payday Loans in Illinois


1. ChecknGo.com

Check n Go Payday Loans Illinois Online

While ChecknGo is a widely trusted online installment loan site. The company has over fifty brick-and-mortar locations throughout the state. For those looking for a personal loan, they can set up an account online or in-store. 

Even if you choose to go in-store, you can manage your account and payday loans from their online site whenever you please. 

You can choose either one of their two available options, payday loans, and installment payday loans. For online use, payday loans begin at a $100 minimum and max out at $865, while installment payday loans range from $1,000 to $2,500. Either way, using ChecknGo’s online system lets you apply for payday loans with ease and convenience. 

ChecknGo, besides their 50 Illinois locations, has over a thousand locations nationwide, making them a reputable source for payday loans in the United States. Even if you have poor credit, ChecknGo has many suitable options to accommodate your credit status. 

They also have a high-quality customer service base you can reach out to if you have any trouble navigating the online system or loan choices alongside a highly secure system to protect your confidential information.   


2. CashInASnap.com

Cash In A Snap Illinois Payday Loans

Cash in a Snap provides Illinois native with quick access to payday loans when they need it from wherever they need, thanks to their innovative website. From the site, Illinois citizens can apply for a payday loan as long as they meet three fundamental criteria: must be 18 years or older, must have an active bank account, and must be a U.S. citizen or permanent resident. 

If you meet the requirements, you can apply for a payday loan as little as $50 or as substantial as $,1000. Probably the most attractive feature when applying for a personal installment loan through Cash in a Snap is the non-existent credit check. 

If you have bad credit, their no need for credit makes applying for a payday loan straightforward. For those who don’t want to damage their credit score, this feature works in their favor too. 

Cash in a Snap is state-licensed in Illinois and has over six years of lending experience without hidden fees or extra charges. The online platform adheres to all regulations and upholds security standards when handling your information. Not to mention, you can get approved for a loan within minutes.  


3. RiseCredit.com

Rise Credit Illinois Online Payday Loans

Skip the lines at physical payday loan locations and apply for online installment loans in Illinois with Rise Credit, a reputable established online source for all of your loan needs. 

Rise Credit doesn’t ask questions about your loan, whether you need it to pay for a new car or pay off a recent purchase; they only care about giving you the help you need to achieve your financial goals. With Rise Credit, you can also boost your credit score as the company sends reports to TransUnion. 

Alongside sending reports and monitoring your credit, Rise Credit also provides you with access to a wellness library, which offers information about maintaining good credit, boosting your credit score, and taking care of your finances. 

Rise Credit online short-term loans in Illinois lets you borrow between $2,000 and $4,000 without an application fee or extra charges. Once you complete your application, you can expect Rise Credit to deliver your money into your bank account within one business day, making Rise Credit not only an ideal choice for payday loans but a quick solution too. 

Your loan’s interest rate will range between 60% and 99% depending on your term agreement, ranging between 15 and 25 months. If you decide you don’t need the loan after receiving payment, you have five days to refund the full amount without penalty.  


4. MoneyLion.com

Money Lion Best Payday Loans Online In Illinois

MoneyLion gives Illinois natives options when choosing the type of loan they need, all of which takes place through the MoneyLion website or convenient smartphone application. You can opt for Instacash, the first option, which, as the name implies, directly deposits money into your account in the blink of an eye. 

For Instacash loans, you don’t get as large a loan as you would when applying for online personal installment loans. Instead, Instacash provides smaller quantities that you can pay for quicker. All Instacash loans come with 0% APR, so you won’t have to worry about paying back way more than you bargained for. 

MoneyLion also deals in Credit Building Loans which range up to $1,000. These online, short-term loans are more suitable for those looking to make larger purchases that Instacash can’t cover. 

The Credit Building Loans also link to your credit, but instead of adversely affecting your credit score, these loans do everything possible to help you keep your score in a good range or boost your score to a preferable ranking. The system tracks your credit usage, age and keeps you on track and on time with payments. 

While this online personal installment loan platform doesn’t give you all of your funds right away, they provide a hefty portion up-front to keep you on track with your spending and to ensure you can pay off the total amount within a reasonable time frame.   


5. AdvancePaycheckOnline.com

Advance Paycheck Online Illinois

When you need a payday loan, you want it immediately without going through the hassle of dealing with middlemen, and confusing applications. With Advance Paycheck Online, you can forget about the payday loan stress and access a loan up to $1,500 instantly to use when you need it. 

Advance Paycheck Online is an ideal choice for Illinois citizens because it only works for those in the state and a few others, so people in the rest of the country will miss out on the great loan offerings. This loan platform doesn’t care if you have a less than adequate credit score either; you can still apply, and the site will provide you a decent loan amount. 

The direct lenders with Advance Paycheck Online are experts in their fields, making them easy to work with and they can answer all questions you have. 

If you worry about making payments on time, you can take advantage of Advance Paycheck Online’s installment scheduling feature. This feature allows you to coordinate dates to make your payments so that you won’t miss out and suffer the credit consequences every payday loan receiver stresses over.  

Advance Paycheck Online provides installment loan approval within the same day you apply, so you don’t have to wait around. The site dumbs down the whole process to three straightforward steps. All you need to do is apply and get your money. 


6. ShortTermLoans.com

Short Term Loans Illinois

Short Term Loans is an approved direct lender for Illinois loans and provides preferable benefits to all Illinois citizens looking for a payday loan. The online platform allows for an easy online application where you can either get your money deposited directly into your account or pick it up at a Western Union near you. 

To apply, you need to enter basic information, such as your age, income, and affiliated bank. To apply for a payday loan with Short Term Loans, you must make at least $1,000 a month. Once you complete the online application, you can receive your money within minutes of approval. 

Short Term Loans provides upfront fees and interest rates on their website. For $100 installments, there’s a $15.50 finance charge and a 435.19% annual interest rate for a 13-day term. For 30 to 100 day terms, the annual interest rate is 188.58%. 

The Short Term Loans site is highly secure with McAfee protection software, ensuring no one can access your confidential information. The site is also a verified trusted site making it a credible and reliable platform for online short-term loans in Illinois.  


7. IllinoisLending.com

Illinois Lending Payday Loans

Don’t leave your home to get a payday loan, especially during those harsh Illinois winters. Instead, use Illinois Lending to apply and get approved for your loan on the same day. Illinois Lending provides a nearly instant funds transfer for loans from $100 to $4,000. 

Illinois Lending understands that life has a way of getting complicated, so they provide loans in an urgent timeframe rather than making you wait days or weeks for loan approval. The online platform doesn’t require a credit check either, so you won’t have to worry about a low credit score affecting your loan approval or amount. 

Illinois Lending has serviced Illinois for over 20 years with expertise, prompt loan delivery, and ultimate customer service to help you along the way. The platform adheres to all rules and regulations outlined in the Illinois Consumer Installment Loan Act, making them a trusted source for payday loans. 

Payday loans from Illinois Lending come with only 99% APR interest, while other companies have a 400% APR and come with flexible terms, refinancing options, and fewer restrictions. Illinois Lending only services Illinois residents and has an easily maneuverable online customer portal to track payments and submit documents for your application. 


8. AdvanceAmerica.net

Advance America Payday Loan Service Online Illinois

If you’re looking for a straightforward platform for a payday loan, use Advance America online short-term loans in Illinois. Before you submit to applying for your payday loan, you can use the nifty calculator to determine the payments, with interest, you should expect depending on your loan amount and term. 

Advance America payday loans range between $100 and $850 with the ability to make payments either bi-weekly or monthly since these loans typically get paid off within the next payday cycle. The calculator shows you how much you’ll need to pay at the end of the month or every two weeks with either a 407.17% or 190.32% APR interest rate. 

All loans come with a specific finance charge based on the payday loan amount you receive. The finance charge will increase as your loan amount increases. 

Advance America makes paying back your payday loan quick and easy with its short-term choices, and you can visit one of the company’s 19 locations in Illinois to make payments directly or for in-person advice about payday loans. No matter your loan amount or term, Advance America does not require a credit check to apply or receive funds.


9. MaybeLoan.com

Maybe Loan Illinois Online Cash Advance

Talk about quick and convenient. MaybeLoan’s online installment loans in Illinois only take five minutes to apply, giving you approval and access to funds faster than ever. Once you get your payment, you can use the money for anything your heart desires, MaybeLoan doesn’t question your needs. 

The company also doesn’t question your credit score. Bad, good, or adequate, MaybeLoan understands the need for payday loans despite credit scores and will provide funds to whoever needs them as long as you can pay the loan back. Even if your credit score has seen better days, you still need to make at least $1,000 a month–as per Illinois loan regulations–to apply. 

MaybeLoan’s website has a payday loan calculator for you to work through your loan outcomes before you apply. The calculator lets you type in your desired loan amount and term and will provide you with the total monthly, interest, and finance charge costs.  

If you need more help during, before, or after your payday loan process, you can take full advantage of MaybeLoan’s 24/7 customer service line. The experts at MaybeLoan can answer all of your questions. Since the site is verified and trusted, you can rely on the customer service representatives and platform to protect all of your confidential information.   


10. LandmarkCash.com

Illinois Landmark Cash Loans

As long as you live in Illinois, you can take advantage of Landmark Cash’s express, three-minute payday loan application. Landmark Cash provides payday loans up to $1,000 with terms ranging between 13 and 120 days, making it convenient to pay-back your funds on a schedule that works for you. 

Landmark Cash even allows you to take out two payday loans at once. If you’re strapped for cash, Landmark Cash may be the way to go to get the funds you need. Even if you have bad credit, you can still apply and expect approval within the same day because Landmark Cash’s goal is to help those in need, not hurt. 

Accompanying the company’s helpful manner is its promise of security. Landmark Cash employs varying security procedures and processes all of your sensitive information through high-quality encryption software, making it virtually impossible for hackers to get a hold of.    


Conclusion

Payday loans can make managing your money more straightforward with extra cash in your pocket to take care of necessary charges on time. 

When looking for an online personal installment loan in Illinois, you want to make sure the service you use provides you an adequate amount without credit checks that negatively affect your score. You’ll also want a straightforward application process and adheres to Illinois’ rules and regulations concerning loans. 

These 10 best online payday loans in Illinois check off every need-to-have item concerning your potential loan; it’s up to you to determine which site best fits your needs.

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