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Getting payday loans in Illinois

Getting payday loans in Illinois is relatively straightforward.  All a person has to do is fill out an application over the internet, send it in, sign the loan documents, withdraw the money from the bank and then repay the loan within the time period specified on the contract.  However, there are some important things that one should know about taking out a payday loan.  The following information will help one to choose the right lender and be prepared to handle questions regarding employment and past payday loans.

Choosing the Right Company

Many payday loans companies have websites with free no obligation applications forms.  However, not all online payday loans websites are genuine. Look up the company on-line and ensure they are a legit organization.  A bona fide company will have a physical address and phone number.  

It is also important to check the lender's terms and conditions.  According to Illinois law, one cannot borrow more than $1,000 or 25% of his or her income, whichever is less.  The interest rate varies from lender to lender, however lenders can not charge over the maximum rate allowed.   You will want to research the latest maximum rates, as payday loan laws continue to change.  Look for a lender that offers a reasonable interest rate and allows the loan to be paid back over a one month period.

How to Get a Payday Loan While Self Employed

Most payday lenders require that a person hold down regular employment in order to get a payday loan.  Getting a payday loan without having a regular job can be a challenge, but it is not impossible.  Those who make fairly regular income should be able to get a payday loan from most lenders, although some are more particular than others.

Applying for the Loan

Filling out the loan application online is quite easy.  However, a person should never rush through the application but should instead read it carefully and make sure that all the information is correct and there are no misspellings or other mistakes.  It is especially important to make sure the account information is accurate, as the loans agency will not be responsible for checking and correcting errors of this nature. 

Once the application has been sent in, one can expect an answer within two to three minutes.  Most payday loans applications are granted and the money is deposited the very same day.  In fact, many payday loans agencies advertise the fact that they review applications and grant loans within a 24 hour time period. 

Is it Possible to Get a Payday Loan with Poor or Bad Credit?

Most payday loan lenders do not check credit reports, however they can check past payday loan reports.  If a borrower has defaulted on previous payday loans, they will typically not get approved.  On the other hand, if the borrower has met all obligations of previous payday loans, they will typically be able to borrow more money.

Payday loans in Illinois are not hard to get.  Online lending agencies such as provide online applications and will deposit the money in one's account in a speedy manner. However, a person taking out such a loan should make sure the read all the terms and conditions on the site and be prepared to pay back the loan within the time period specified by the lender.


Bridge Payday Rocks!  Easy application, I was able to withdraw the cash from my personal debit card when I tried in the morning.  5 stars

F. Thompson
St. Louis, MO

Got the cash I needed, when I needed it. A+ guys and gals.  Very easy and convenient

F. Antonio
Newburgh, NY

This service is awesome for people like me with a low credit score that helps a lot while we clear up our credit, due to medical issues and rebuilding from the spring storms.

K. Watson
Birmingham AL