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Lending Laws of Illinois

In Illinois, the maximum loan amount is 25-percent of your monthly income, up to a $1,000 maximum. So, you’d have to make $4,000 a month to be qualified for a $1,000 cash advance. Even if you bring home $4,000 a month, that doesn’t necessarily mean you’d be offered a $1,000 advance, since it’s up to the lender to decide how much they are going to offer you. The maximum finance rate and fees are $15.50 per $100. That means for a 14-day, $100 loan, a lender is allowed to charge you up to a $15.50 finance charge, which would be a 403-percent APR.

The loan term can be 13 to 45 days. You are not allowed to extend your loan. That means no rollovers. You can have up to two outstanding cash advances at one time, but if you add them together the sum can't be more than 25-percent of your monthly income, up to $1,000 (if you are applying for an installment cash advance, then the max is 22.5-percent of your monthly income).

If you default on the loan, your lender is allowed to charge you a $25 NSF fee. Your Illinois lender is not allowed to pursue criminal action against you.

Illinois (IL)

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Illinois Cities


AddisonAltonAntiochArlington HeightsAuroraBarringtonBedford ParkBellevilleBelvidereBensenvilleBentonBerwynBloomingdaleBloomingtonBlue IslandBolingbrookBradleyBridgeviewBuffalo GroveBurbankCahokiaCalumet CityCantonCarbondaleCarol StreamCarpentersvilleCaryCentraliaChampaignCharlestonChesterChicagoChicago HeightsChicago RidgeCiceroCollinsvilleCrest HillCrystal LakeDanvilleDecaturDeerfieldDekalbDes PlainesDixonDoltonDowners GroveDu QuoinEast DundeeEast MolineEast PeoriaEast Saint LouisEffinghamElginElk Grove VillageElmhurstEvanstonEvergreen ParkFairview HeightsFloraFox LakeFrankfortFranklin ParkFreeportGalesburgGenevaGlen CarbonGlen EllynGlendale HeightsGlenviewGranite CityGurneeHanover ParkHarrisburgHarvardHarveyHazel CrestHighlandHighland ParkHighwoodHillsideHoffman EstItascaJacksonvilleJolietKankakeeKewaneeLake In The HillsLansingLawrencevilleLemontLibertyvilleLincolnLisleLitchfieldLockportLombardLoves ParkMachesney ParkMacombMadisonMantenoMarionMattesonMattoonMaywoodMchenryMelrose ParkMetropolisMidlothianMolineMomenceMorrisMount CarmelMount ProspectMount VernonMundeleinMurphysboroNapervilleNilesNormalNorth AuroraNorth ChicagoNorth PekinNorthbrookNorthlakeOak LawnOak ParkOlneyOregonOrland ParkOswegoOttawaPalatineParisPark ForestPark RidgePekinPeoriaPeruPontiacPrincetonProspect HeightsQuincyRed BudRichton ParkRiversideRochelleRock FallsRock IslandRockfordRolling MeadowsRoselleRound LakeRound Lake BeachRound Lake HeightsSaint CharlesSaint JosephSalemSchaumburgSkokieSouth HollandSpartaSpringfieldSterlingStone ParkStreamwoodStreatorSummit ArgoSycamoreTammsTaylorvilleTinley ParkUrbanaVandaliaVeniceVernon HillsVilla GroveVilla ParkWaukeganWest ChicagoWest FrankfortWestmontWheatonWheelingWood DaleWood RiverWoodridgeWoodstockWorth

About Illinois

Its capital is Springfield and its largest city is Chicago. It is bordered to the north by Wisconsin, to the west by Iowa and below that, by Missouri (both borders are along the Mississippi River). To the south-east, Illinois is bordered along the Ohio River by Kentucky and to the east by Indiana. Illinois' northeasternmost boundary is to Lake Michigan.

Illinois has a diverse economy. Chicago is a major center for transportation and business. Central and northern Illinois is mostly used for agriculture. The south produces many natural resources such as coal, timber and petroleum.

Illinois has the average population of 12,419,293 people since 2010. Most of the people living in Illinois live near the city of Chicago.

In Illinois, school children voted to select the state bird, state flower, and state tree. The state bird is the cardinal. The state flower of Illinois is the violet. The state tree is the white oak.

Illinois's seal has an eagle in a prairie. Across a river, behind the eagle is a rising sun. The eagle stands for the United States. The prairie reminds Illinoisans of their land. The two dates on the seal, 1818 and 1868, are the year that Illinois became a state and the year that the state seal was designed. The state flag includes the state seal.

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