Whether you are in Chicago, Aurora or Springfield, find the best payday loans in Illinois with Finger Finance. Borrow $100 to $35,000 at Your Fingertips and Get an Instant Decision and Funds in Less Than 24 Hours!
Apply for the Best Payday Loans in Illinois with Finger Finance
Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*
How To Apply For Payday Loans in Illinois With Finger Finance
Step 1 – Apply Online
We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.
Step 2 – Await a Decision
We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.
Step 3 – Receive Money Today!
We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.
How Does Finger Finance Offer Loans in Chicago and Illinois?
Finding the Right Lender for You
Finger Finance only works with lenders in Illinois that can be trusted. This means that we know they are lending responsibly. Every time you put in an application we analyze our panel of lenders and find the right loan for you.
Soft Credit Checks
All Finger Finance loans are soft search, meaning that we will look at your background on the basis of your credit record. We will never leave any visible footprint on your credit report through our search.
Responsible
Finger Finance is a broker, not a direct lender, meaning that we can help to find you the most affordable loan available even if you have an imperfect credit history.
What Are The Regulations for Payday Loans in Illinois?
| Are Payday Loans Legal? | Yes |
| Minimum Loan Amount | Not specified |
| Maximum Loan Amount | $1,000 (or 25% of gross monthly income) |
| Minimum Loan Term | 13 days |
| Maximum Loan Term | 120 days |
| No. of Oustanding Loans Allowed | 2 |
| No. of Rollovers Allowed | 0 |
| Cooling Off Period | 7 days |
| Finance Charges | 15.5% per $100 + $1 verification fee |
| Interest Rate (APR) | ~400% |
Am I Eligible for a Payday Loan in Illinois?
- Be at least 18 years of age or older
- Be a U.S. resident
- Have a cell phone
- Have a checking account
- Have a consistent income and be earning at least $800 per month
Why is the APR for Payday Loans in Illinois so High?
The APR for payday loans is high across all states, not just Illinois specifically. This is because payday loans operate on a short-term basis and are considered by lenders to be high risk.
This is because payday loans are usually unsecured, offered to customers with any type of credit history, short-term, and not usually repaid in the first instance.
Can I Get a Payday Loan in Illinois With a Poor Credit History?
Yes, you can get a payday loan in Illinois with a poor credit history.
Finger Finance are willing to accept all credit histories, including poor credit. A poor credit score will not stop you from getting a payday loan.
How Much Would a $900 Payday Loan Cost Me in Illinois?
If you borrow $900 at an APR of 36% (the maximum in Illinois) the total you would pay back is $969.47. This would be 6 equal repayments of $161.58. In total you would pay $69.47 in interest.
Where Can I Get a Payday Loan in Illinois?
You can apply online through Finger Finance to receive a payday loan in the following cities within Illinois below:
Addison
Alton
Antioch
Arlington Heights
Aurora
Barrington
Bedford Park
Belleville
Belvidere
Bensenville
Benton
Berwyn
Bloomingdale
Bloomington
Blue Island
Bolingbrook
Bradley
Bridgeview
Buffalo Grove
Burbank
Cahokia
Calumet City
Canton
Carbondale
Carol Stream
Carpentersville
Cary
Centralia
Champaign
Charleston
Chester
Chicago
Chicago Heights
Chicago Ridge
Cicero
Collinsville
Crest Hill
Crystal Lake
Danville
Decatur
Deerfield
Dekalb
Des Plaines
Dixon
Dolton
Downers Grove
Du Quoin
East Dundee
East Moline
East Peoria
East Saint Louis
Effingham
Elgin
Elk Grove Village
Elmhurst
Evanston
Evergreen Park
Fairview Heights
Flora
Fox Lake
Frankfort
Franklin Park
Freeport
Galesburg
Geneva
Glen Carbon
Glen Ellyn
Glendale Heights
Glenview
Granite City
Gurnee
Hanover Park
Harrisburg
Harvard
Harvey
Hazel Crest
Highland
Highland Park
Highwood
Hillside
Hoffman Est
Itasca
Jacksonville
Joliet
Kankakee
Kewanee
Lake In The Hills
Lansing
Lawrenceville
Lemont
Libertyville
Lincoln
Lisle
Litchfield
Lockport
Lombard
Loves Park
Machesney Park
Macomb
Madison
Manteno
Marion
Matteson
Mattoon
Maywood
Mchenry
Melrose Park
Metropolis
Midlothian
Moline
Momence
Morris
Mount Carmel
Mount Prospect
Mount Vernon
Mundelein
Murphysboro
Naperville
Niles
Normal
North Aurora
North Chicago
North Pekin
Northbrook
Northlake
Oak Lawn
Oak Park
Olney
Oregon
Orland Park
Oswego
Ottawa
Palatine
Paris
Park Forest
Park Ridge
Pekin
Peoria
Peru
Pontiac
Princeton
Prospect Heights
Quincy
Red Bud
Richton Park
Riverside
Rochelle
Rock Falls
Rock Island
Rockford
Rolling Meadows
Roselle
Round Lake
Round Lake Beach
Round Lake Heights
Saint Charles
Saint Joseph
Salem
Schaumburg
Skokie
South Holland
Sparta
Springfield
Sterling
Stone Park
Streamwood
Streator
Summit Argo
Sycamore
Tamms
Taylorville
Tinley Park
Urbana
Vandalia
Venice
Vernon Hills
Villa Grove
Villa Park
Waukegan
West Chicago
West Frankfort
Westmont
Wheaton
Wheeling
Wood Dale
Wood River
Woodridge
Woodstock
Worth
Why Choose Finger Finance?
- Get an instant decision online
- Repay early anytime to save money
- Enquiring is free and doesn’t affect your credit score
- Easy online enquiry process
- Borrow anywhere from $100 – $5,000
- Get the money in one lump sum on the day you enquire
FAQs
What is the Maximum Amount I Can Borrow in Illinois?
Payday loan amounts range from $100 to $35,000 although California state law prohibits loans of more than $1,000.
How Soon Can I Receive the Loan?
If you are approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Finger Finance could be perfect for you.
What are the Upfront Fees?
There is no upfront fee when using Finger Finance. Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.
How Do I Repay the Payday Loan?
How repayments work depends on how long the money will need to be borrowed for. If you are taking out a short-term loan between 2 to 4 weeks, you will repay your loan in one final repayment at the end of the loan. Whereas, if you have chosen a longer-term loan, which we offer up to 5 years, then you will repay your loan in equal instalments every month. Finger Finance will also allow you to repay your payday loan early so that you can save on the interest.
Is Finger Finance a Direct Lender or Broker?
Finger Finance is a payday loan broker, not a direct lender. This means that we will not pay you the funds directly but will instead work with our panel of lenders to get you the best possible rates in Illinois.
