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Payday Loans Jacksonville IL

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Some people might find themselves in need of payday loans for many reasons. Sometimes you need to pay medical bills, or your new job is not paying immediately, and so on. Shortly, payday loans come in handy for emergencies.

Who Can Give You Payday Loans in Jacksonville, Illinois

There are many payday loans’ lenders in Jacksonville in Illinois. We looked through the whole list and brought to the table some of our concurrents so you can have a look at them.

CashNetUSA: they offer payday loans to all residents within Illinois. What they offer is very traditional: you receive the money you need in one fixed amount and pay the whole sum back in the following 30 days. They can be reached online.

Check Into Cash: this company can be reached both online or physically. Applying is very fast and when you get their approval, you can have the money in hands in the next day. One downside is that they require borrowers to be at least 21 years old in order to be eligible for their fast payday loans.

MoneyKey: This one works similarly to CashNetUSA, but they have live agents as well. They don’t have the downside of the age limitation and their team can be reached 7 days a week to answer any questions.

But there is another option if you live in Jacksonville, Illinois

The payday loans’ lenders above might seem good, but do not just go after one of them before you know what we offer. Our objective is to offer the best payday loans service in Jacksonville. We know this is a delicate matter for some people, and that trust becomes very relevant in loan situations.

If you are looking for reliable payday loans, you should check Quick Payday Loans. The main thing you ought to know about us is that we do not require you to have good credit scores. That’s right: we keep a no credit check policy for payday loans. Our objective is exactly to help anyone who needs a loan, and especially those who are not eligible for a loan in any other way. This being said, any person in Jacksonville Illinois can feel safe with our services.

We operate inside the rules and laws set by the state of Illinois so that everything is done for the safety of our customers. If you choose our services, you will have the full protection you deserve plus fast approval.

Aside from all these benefits, we lend payday loans online, meaning you can apply for them without even leaving home. If you are facing a hard time and have need of cash now, the steps are as follows:

  1. Fill out an online application form, which takes around four minutes.
  2. Approval is very quick, you should have to wait for about two minutes.
  3. Sign the documents of the loan.
  4. Your bank account will soon be credited with the money.

State Regulations of Payday Loans in Jacksonville, IL

Every state has different legislation regarding payday loans. Legislation on this matter serves many purposes, such as avoiding one person takes many loans and end up not affording to pay them all.

Laws on California dictate some basic rules:

  • Maximum loan amount: $500
  • Maximum loan term: 31 days
  • Minimum loan term: 7 days
  • Rollovers: none

The state of Illinois not only has set these rules about how much money one person can get from a loan and the term of it, but they also have laws about the maximum that can be charged for short-term loans. Mainly what those laws say can be resumed as:

  • The finance charge can be at max 10% of the loan
  • The verification fee is $5 at max
  • APR for a 14-day loan is 419%

To help avoid people from accumulating bad credit loans and not being able to afford them, Illinois’s legislation allows borrowers to only get one loan at a time. Borrowers are also not allowed to rollover or renew a payday loan if they don’t find themselves able to pay on the due date. Moreover, additional loans can only be taken 24 hours after the previous one was paid.

FAQ’s For Payday Loans in Jacksonville, Illinois

  1. What is the cost of Jacksonville payday loans in Illinois?
    Payday loans in Jacksonville, Illinois have fees that go from $15 to $55 in the case of online loans, and $8 to $53 in the case of in-store loans. Although in-store fees might be cheaper in some cases, the cost is not the only thing that matters when taking out a loan.
  2. What is the number limit of payday loans?
    As already stated above when we talked about state regulations, one single person needs to wait for the previous loan to end in order to take another one in the state of Illinois.
  3. What are the requirements for payday loans in Jacksonville Illinois?
    Payday lenders usually require you to be at least 18 years old, prove you have a regular source of income of any sort and be a US citizen or be living in the country permanently. Lenders also ask for personal details, such as your Social Security number and your ID. They will need access to your checking account as well.
  4. What if I am not able to pay back the loan?
    That’s certainly a scenario to avoid, but in case this happens, you must go to your lender before the term ends and tell you can’t afford to pay at the moment. By explaining the situation to your lender in person before the due date, you are granted a 60-day grace period. However, as soon as possible you will need to go to a credit counseling agency.
  5. Am I eligible for a loan if I don’t live in Jacksonville in Illinois?
    This article is focused on the state of Illinois, and especially aimed at people who live in Jacksonville, but we work in other cities as well. We can lend money to people who live in cities such as Ocala, Gainesville, Tallahassee, Belleview, Quincy and much more. If you are living in Illinois, you can also reach us if you are in the nearest state.
testimonials
Fast Payday Loans, Inc.
Rating: 4.9
Details: Loan agency
Location: 5235 Normandy Blvd b, Jacksonville, FL 32205, United States
Fast Payday Loans, Inc.
Rating: 4.7
Details: Loan agency
Location: 7628 103rd St #8, Jacksonville, FL 32210, United States
Payday Solutions
Rating: 0.0
Details: Loan agency
Location: 4080 Woodcock Dr, Jacksonville, FL 32207, United States
Check `n Go
Rating: 5.0
Details: Loan agency
Location: 1235 Arlington Rd N, Jacksonville, FL 32211, United States
Check `n Go
Rating: 5.0
Details: Loan agency
Location: 8650 Old Kings Rd S #12, Jacksonville, FL 32217, United States
Advance America
Rating: 4.5
Details: Loan agency
Location: 9550 Baymeadows Rd Ste. 6, Jacksonville, FL 32256, United States
Advance America
Rating: 4.6
Details: Loan agency
Location: 5800 Beach Blvd Ste 116 & 117, Jacksonville, FL 32207, United States
Advance America
Rating: 4.7
Details: Loan agency
Location: 5230 Baymeadows Rd Ste. 5, Jacksonville, FL 32217, United States
Advance America
Rating: 4.9
Details: Loan agency
Location: 8595 Beach Blvd #350, Jacksonville, FL 32216, United States
Advance America
Rating: 3.9
Details: Loan agency
Location: 7001 Merrill Rd Ste. 33, Jacksonville, FL 32277, United States
Payday Solutions
Rating: 0.0
Details: Loan agency
Location: 4417 Beach Blvd, Jacksonville, FL 32207, United States
Advance America
Rating: 4.2
Details: Loan agency
Location: 1124 Dunn Ave, Jacksonville, FL 32218, United States
ACE Cash Express
Rating: 4.2
Details: Loan agency
Location: 10152 Atlantic Blvd, Jacksonville, FL 32225, United States
Lending Bear
Rating: 5.0
Details: Loan agency
Location: 8011 Merrill Rd #16, Jacksonville, FL 32277, United States
Lending Bear
Rating: 5.0
Details: Loan agency
Location: 14181 Beach Blvd # 4, Jacksonville Beach, FL 32250, United States
Check `n Go
Rating: 5.0
Details: Loan agency
Location: 5859 University Blvd W, Jacksonville, FL 32216, United States
ACE Cash Express
Rating: 4.1
Details: Loan agency
Location: 2261 Edgewood Ave W Ste 17, Jacksonville, FL 32209, United States
Check `n Go
Rating: 4.9
Details: Loan agency
Location: 1440 Dunn Ave #3, Jacksonville, FL 32218, United States
Cash Advance
Rating: 3.9
Details: Loan agency
Location: 5100-5398 Batley Rd, Jacksonville, FL 32210, United States
ACE Cash Express
Rating: 4.6
Details: Loan agency
Location: 946 Cassat Ave, Jacksonville, FL 32205, United States