Chicago IL Loans

Chicago IL Loans - Frequently Asked Questions

We are here to help you get cash for emergencies. If you.re in need of answers about payday loans, try our explicit FAQs below. Click on the topic of interest for more information about getting a loan that can help you get the money you need.

I'm a First Time Cash Advance Borrower
Do I have to be from Chicago or Illinois to get a loan on Chicago-IL-Loans.com?
What are the interest rates for a Chicago IL Cash Advance Loan?
What are the benefits of a Chicago Cash Advance Loan?
I have bad credit. Can I qualify?
I have no credit. Will Chicago IL Loans give me a chance?
I don't have a fax machine or a computer. How do I apply?
What's the difference between a cash advance loan and a payday loan?
I don't have a bank account. Can I still get a loan?
What is the best service you offer?
What is the repayment process?
What is a repayment process?
What if I don't make a payment at all?
What are some popular reasons people take out Chicago Cash Advance Loans?



Do I have to be from Chicago or Illinois to get a loan on Chicago-IL-Loans.com?

No - absolutly not! Chicago-IL-Loans.com accepts loan request from all states in the U.S., except New York (sorry NY - bad politics).


What are the interest rates for a Chicago IL Cash Advance Loan?

Interest rates are dependent on the specific customer and lender. If a customer has applied and received a loan through Chicago IL Loans before, he or she is more likely to get more money and a better interest rate. If this is your first loan, many lenders are unable to lend the full $2500. A customer making $4,000 a month is more likely to receive a better interest rate than a person making $800 a month—just because the person making more money is less likely to default on the loan. However, everything is negotiable. The more you borrow, the better your interest rate gets. It never hurts to apply to see what you qualify for and then to discuss the interest rate with the lender.


What are the benefits of a Chicago Cash Advance Loan?

Chicago IL Cash Advance Loans offer many great benefits that include: An easy application process, simple qualifications, quick approval in less than 90 seconds, no credit checks, no restrictions, and information is always safe and secure. We offer low interest rates and access to the best Chicago Area Lenders. Our loans are designed to meet the needs of everyday people like you!


I have bad credit. Can I qualify?

Absolutely! Our Chicago lenders don't perform credit checks with the three credit reporting bureaus. For them, the most important factor in receiving a loan is source of income. As long as you make $800 a month—you can be approved now.


I have no credit. Will Chicago IL Loans give me a chance?

Of course! Everybody has to start somewhere. For people with no credit, applying for a loan is probably the best financial decision they could make to improve their credit score! If you pay back the loan on time, you'll not only get a credit score, but you'll get a good score!


I don't have a fax machine or a computer. How do I apply?

Chicago IL Loans is an online company. As long as you have access to a computer or a smart phone, you can apply. Both our easy-to-use mobile application and our standard online application are fast, safe, and secure. No faxing is required to apply for a loan. No fax machine is needed! As long as you can prove that you're employed, that you have a bank account, and that you're over 18, you can be approved today!


What's the difference between a cash advance loan and a payday loan?

Absolutely nothing. In the short-term financial services market, there's wide variety of loan names that all mean the same thing. A cash advance loan is a loan made in anticipation of a borrower's next paycheck. At Chicago IL Loans, we'll give you the money you need now, and when you get paid, you pay us back. That's why they're also referred to as payday loans. Some other common names include: Payday Advances, Cash before Payday Loans, Fast Cash Loans, Fast Cash Advance Loans, Easy Loan, No Fax Loan, Short Term Loans, etc.


I don't have a bank account. Can I still get a loan?

Unfortunately we are unable to service loans to individuals who don't have bank accounts. It doesn't matter what type of account it is, but it must be loadable by ACH.


What is the best service you offer?

It depends on what you're looking for! Our most popular service is the Chicago Cash Advance Loan. However, each service is different—we have a large assortment of customer needs. Some people need longer than 2 weeks to pay back the loan. Some people aren't sure how much money they need. Some people need money in one hour! It really just depends. Check out our services to find out which one is right for you!


What is the repayment process?

The loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan by The Lender. You don't even need to think about it! You don't need to make any payments or visit any store. You can also request an extension if you need it by contacting your lender before the due date. Additional fees by The Lender do apply to loan extensions.


What happens if I am late on a payment or need to skip a payment?

Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender's policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.


What if I don't make a payment at all?

Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.
It.s important to remember that we are not a lender and do not provide lending services directly to consumers.


What are some popular reasons people take out Chicago Cash Advance Loans?

Customers receive Chicago Cash Advance Loans for a vast amount of reasons. Usually however, it's because they don't have enough cash to get them through until their next paycheck. Typically, an unexpected financial emergency popped up—their car broke down, medical emergencies, unexpected travel needs, an overdrawn checking account, maxed out credit cars, lack of cash to pay everyday expenses—the list goes on.

Apply for a Chicago IL Loan today!

Apply Here

My Paychecks are direct deposited
Are you active Military or dependent?
I certify that I am a U.S. resident over the age of 18. I agree to the Privacy Policy & Terms of Use and that I may receive email and SMS offers from trusted associates.
  • Safe & Secure Process
  • Quick Online Approval
  • No Credit Required!
  • Fast & Easy Cash Deposit
Multiple Lenders Await Your Request

Multiple Lenders
Await Your Request

Secure & Private Service

Chicago IL Loans is an online lender that provides safe online loans for consumers who have their paycheck deposited into a checking or savings account. You can apply right here online. We collect information about your bank account details, as well as employment details, and we keep all data confidential. We only use it to process your online cash advance loan. Your information is always safe when you apply for Chicago IL Loans.

Through encryption and high levels of data security, we protect you and we keep your information safe. Our systems have been developed to guard against identity theft. We understand how valuable your personal details are: your social security number, bank account number, address and phone numbers, etc.

The phrase SSL Certified is short for Secure Sockets Layer. This is a protocol developed by Netscape for transmitting private documents via the Internet. SSL uses a cryptographic system that uses two keys to encrypt data - a public key known to everyone and a private or secret key known only to the recipient of the message. Many web sites use the protocol to obtain confidential user information, such as credit card numbers. All current browsers support SSL.

What is a Payday Loan?

Payday Loans are also commonly referred to as Fast Cash Loans, Cash Advances, Payday Loan Advances and Payday Advances

Customer Notice: Payday loan advances online should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Online loans in Chicago IL provides online loan services of one type or another in almost all 50 states. However, some states only allow for issuing installment loans or lines of credit.

All Chicago IL Loans lenders act as a credit service organization or credit access businesses (CSO/CAB) in Texas and are not the lender - loans there are made by third-party lenders in accordance with Texas Law.

This is an invitation to submit a loan application, not an offer to make a short term loan. No person applying is guaranteed to receive either a payday loan advance online, loan in 1 hour, installment loan or line of credit loan.

Google+