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
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.
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:
East Saint Louis
Elk Grove Village
Lake In The Hills
Round Lake Beach
Round Lake Heights
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
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.