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Apply Today for the Best Payday Loans in Illinois

Whether you are in Chicago, Aurora, Naperville or Rockford, we can find the right payday loan to suit your needs. With Harpsey, even if you have bad credit history, our online service will match you with the best lender who can help you get the extra funds you need fast. Borrow $100 to $35,000 and if approved, you can have the funds in your account by the next business day.

Follow These Three Simple Steps to Get a Payday Loan in Illinois:


Fill Out The Simple Online Form


Receive An Instant Offer From A Lender


Get Cash In Your Account As Soon As Possible

Key Features of Payday Loans in Illinois


Bad Credit Yes
Minimum Loan Term 13 Days
Maximum Loan Term 120 Days
Maximum Loan Amount
$1,000 or 25% of Gross Monthly Income
APR 36%
Same Day Funding Yes

How Much Would a $900 Payday Loan Cost in Illinois?


This is a representative example. Terms vary from lender to lender.

If you borrow $900, at an APR of 36%,  over the maximum term amount of 120 days, the total you would pay is $969.47.

Why Should I Get a Payday Loan in Illinois?

A payday loan is a good option to bridge the gap before your next paycheck if you have encountered an unexpected expense. Harpsey can help you find the right loan for your situation with a fully online and free service. There is no effect on your credit rating when you apply.

We remove the need for you to search through multiple lenders and you can apply from wherever you are. So if you are looking to borrow $100, $500 or $1000, using our loans connection service can help find a lender in Illinois that suits your needs.

Am I Eligible for a Payday Loan in Illinois?

There are a necessary requirements to apply for a payday loan in Illinois. It is important to check that you are eligible. To get a payday loan you must:

  • Be a U.S. citizen
  • Be over 18 years of age
  • Have stable, regular income
  • Be employed and earn a minimum of $800 per month
  • Have a live US checking account

If you meet all of the above criteria, simply fill out our online form and let us do the rest!

payday loans illinois

Does Harpsey Offer Payday Loans in Illinois with Instant Approval?

Yes. Our quick online process means you can have a loan offer on your screen in minutes. Your application will always be subject to further checks, but you could be receiving your loan on the same day of applying!

We are able to provide offers no matter what your financial history is, including those with bad credit or no credit at all. Just fill out our easy application form and, if approved, you could receive a payday loan in your checking acount within a couple of hours.

Will There Be a Credit Check For My Payday Loan in Illinois?

We can help if you want to apply for a no credit check payday loan. If you are worried about having an application decline due to bad credit history, don’t let that put you off applying. We work with a range of partners who are used to all types of credit history.

We offer soft search loans that will check the basics of your credit record. This means requesting a payday loan in Illinois with Harpsey will not leave any visible footprint on your credit. Your inquiry will not harm your credit score or affect any future applications for payday loans.

Can I Get a Payday Loan in Illinois with a Bad Credit Rating?

We understand not everyone has a good credit score, therefore even if you have bad credit history it is worth applying for a payday loan with Harpsey. Our online process works by searching a wide number of lenders to increase your chances of approval for a payday loan.

Even if you have previously been turned down by a bank because of bad credit, as long as you meet the eligibility criteria, Harpsey can certainly find a bad credit loan offer for you that could help rebuild your financial strength.

How Do I Repay My Payday Loan in Illinois?

Your repayments are made automatically from your checking account in equal installments each month on a date that you have agreed with the lender. Depending on the size of your payday loan, your payday loan can be repaid over two weeks to five years.If you are looking to borrow $100, $300 or $500, a couple of weeks may be long enough to get you to your next payday. For larger loans, you may need to spread out your repayments over months or years. You are always able to repay your payday loan early to save money on interest.

What Happens If I Miss a Repayment For My Payday Loan?

There can be negative consequences if you fail to repay your payday loan on the agreed dates. Your credit score can be damaged which can create difficulty in sourcing future loans. If you realise you will be unable to meet your payday loan repayments, get in touch with your lender as soon possible as they might be able to offer a flexible payment plan and prevent further financial worry.

Think about how much money you actually need before getting started on your payday loan application. You should make sure you will be able to comfortably meet your loan repayments on time.

Where Can I Find Payday Loans in Illinois?

Your location will not prevent you from getting the additional financial help you need. Our service is fully online so we can find you a payday loan anywhere in Illinois.

We proudly cover all areas of Illinois state including:

  • Addison
  • Alton
  • Aurora
  • Barrington
  • Bedford Park
  • Belleville
  • Belvidere
  • Benton
  • Berwyn
  • Blue Island
  • Bolingbrook
  • Bradley
  • Buffalo Grove
  • Cahokia
  • Canton
  • Carbondale
  • Cary
  • Champaign
  • Chester
  • Chicago
  • Cicero
  • Crest Hill
  • Danville
  • DeKalb
  • Des Plaines
  • Downers Grove
  • Du Quoin
  • Elgin
  • Elmhurst
  • Evanston
  • Frankfort
  • Franklin Park
  • Freeport
  • Galena
  • Galesburg
  • Geneva
  • Glenview
  • Gurnee
  • Harrisburg
  • Harvard
  • Harvey
  • Highland
  • Itasca
  • Jacksonville
  • Joliet
  • Kankakee
  • Kewanee
  • Lawrenceville
    • Lemont
    • Libertyville
    • Lisle
    • Lockport
    • Lombard
    • Macomb
    • Manteno
    • McHenry
    • Moline
    • Naperville
    • Oak Lawn
    • Oak Park
    • Orland Park
    • Peoria
    • Princeton
    • Richton Park
    • Rockford
    • Rock Island
    • Saint Joseph
    • South Holland
    • Springfield
    • Stone Park
    • Sycamore
    • Tamms
    • Tinley Park
    • Urbana
    • Villa Grove
    • Wheaton
    • Wood Dale
    • Worth

FAQs on Payday Loans in Illinois

You should check that you are eligible for a payday loan before applying for a payday loan in Illinois and meet the income and employability requirements. Also consider the size of your loan and whether you can meet repayments on time.

There are loan regulations in Illinois that state a payday loan cannot be higher than $1000 or 25% of the borrower’s gross monthly income, whichever is less. For example, if your monthly income is $2000 per month, the most you could borrow is a $500 payday loan.

You are allowed to have a maximum of 2 payday loans in Illinois at any given time.

There is a price cap of 36% for loans in Illinois. This is intended to protect borrowers from excessively high interest rates.

Harpsey is a broker. This means we source and match you with direct lenders most suited to your borrowing requirements.

The maximum loan term in Illinois is 120 days.