Connect with Trusted, State-Licensed Lenders in Chicago

Need Cash in Chicago? Understand Your Options

Traditional payday loans are no longer legal in Illinois. We help Chicago residents connect with state-licensed lenders offering compliant short-term and installment loans capped at 36% APR.

$100 - $4,000

Illinois PLPA Compliant Fast Funding Available All Credit Profiles Considered

Request a Loan Connection

Secure

256-Bit Encryption

Fast

Online Decisions

Compliant

Illinois Regulations

Simple

Online Process

How It Works

Get the funds you need in a few simple steps

Submit Your Details

Fill out our secure, mobile-friendly online form in less than five minutes. It's safe, confidential, and encrypted.

Connect With a Lender

If eligible, we will instantly attempt to connect you with a state-licensed lender from our network who operates in Illinois.

Review the Terms

Your matched lender will provide a clear contract with your rates (capped at 36% APR under the PLPA) and payment schedule. Review it carefully.

Receive Your Funds

Once you digitally sign the agreement, the lender will transfer the funds to your bank account, often by the next business day.

Apply Now

Fill out the form below to get matched with a lender

Submitting a request through our site does not guarantee approval. Participating lenders may perform credit checks with credit reporting bureaus to determine your eligibility.

Loan Information

Everything you need to know about our loan options and requirements.

Loan Details

Loan Amounts

$100 to $4,000

Loan Terms

3 to 36 months

APR Range

5.99% to 35.99% (Capped at 36% by IL Law)

Types Offered

Short-Term Installment Loans, Personal Loans (PLPA Compliant)

Eligibility

Requirements

Be at least 18 years old
Be a resident of Illinois
Have a verifiable source of steady income
Have an active checking account in your name
Possess a valid email address and phone number

Required Documents

Government-issued ID
Recent pay stubs or proof of income
Bank statements (if requested by lender)
Proof of Illinois residency

Why Choose Us

PLPA-Compliant Network

We only partner with lenders who adhere to the Illinois 36% APR cap, ensuring you get a fair, legally compliant loan agreement.

Fast Funding

Once connected with a lender, approved funds are often deposited directly into your bank account as soon as the next business day.

All Credit Histories Welcome

You don't need a perfect credit score to request a loan. Lenders evaluate various factors, including your income and employment history.

Simple Online Form

Skip the drive to a storefront. Our secure, 256-bit encrypted form takes just minutes to complete from your phone or computer.

Transparent Terms

No hidden fees. Before you accept any loan offer, your matched lender will provide a clear breakdown of the APR, fees, and repayment schedule.

Flexible Repayment

Unlike traditional payday loans that required full repayment in two weeks, the installment loans offered by our network allow for manageable monthly payments.

What Our Customers Say

Helped me during a tough spot

I was searching for a payday loan because my radiator blew out on I-94. Found out those aren't really a thing in IL anymore, but this site matched me with an installment lender who approved me for $800 at a much better rate than I expected. Paid the mechanic the next day.

Marcus Robinson ·Chicago, IL

Easy process, took a day

Submitted my info while on my lunch break in the Loop. Got a call back from a lender in about 20 minutes. The only reason for 4 stars is my bank held the deposit until the next morning, but the loan process itself was smooth.

Elena Suarez ·Logan Square, IL

Better than the old storefronts

I used to use the payday loan shops down on Western Ave before the laws changed. This was so much easier and honestly, the interest rate being capped at 36% makes it way easier to pay back. Got $1,500 for rent.

David Chen ·Chicago, IL

Saved my week

My transmission started slipping and I needed cash fast. Connected with a lender who understood my credit wasn't perfect. Signed the paperwork online and had the funds by Wednesday.

Jasmine Washington ·South Side, Chicago

Straightforward

No hidden tricks. They matched me with a state-licensed lender, the contract clearly showed the 35% APR, and I pay it off in monthly chunks. Good service.

Michael O'Connor ·Wicker Park, IL

Very professional

Title Loans

Type Title Loans

Phone (773) 581-9600

Hours Mon-Fri 9am-6pm, Sat 9am-2pm

Chicago Community Profile

Chicago serves as a major global hub for finance, technology, and manufacturing, yet it faces persistent economic inequality and a high cost of living. As the Midwest's economic engine, the city maintains a diverse workforce, but a substantial poverty rate leaves many households vulnerable to financial shocks. For residents in underserved communities or those facing fluctuating employment, short-term lending options can serve as a critical bridge for managing emergency expenses and housing costs.

2,721,308

Population

$80,613

Median Household Income

16.8%

Poverty Rate

4.4%

Unemployment Rate

Means of Transportation to Work

Drove Alone 44.8%

Carpooled 7.7%

Public Transit 19.6%

Walked 6.8%

Work from Home 17.6%

Other 3.5%

Class of Worker

Private Wage & Salary 81.9%

Government 13.3%

Self-Employed 4.5%

Unpaid Family 0.3%

Household Income Distribution

Under $25K 18%

$25K - $50K 16%

$50K - $75K 14%

$75K - $100K 11%

Over $100K 41%

Source: U.S. Census Bureau, American Community Survey 2024 1-year Estimates; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

Are payday loans legal in Chicago?

Traditional payday loans with triple-digit interest rates are no longer legal in Chicago or anywhere in Illinois. The Predatory Loan Prevention Act (PLPA), passed in 2021, caps the APR for all consumer loans at 36%. If you are searching for a payday loan, you will instead find short-term installment loans that comply with this state rate cap.

How quickly can I get money if I apply today?

While we are a matching service and do not distribute funds directly, our lending partners strive for fast processing. If you submit your request early in the day and are approved, you can often receive your funds via direct deposit by the next business day.

Do I need good credit to be connected with a lender?

No, a perfect credit score is not required. The lenders in our network look at multiple factors when reviewing your request, including your employment history, monthly income, and debt-to-income ratio, rather than relying solely on your traditional credit score.

Will using this matching service impact my credit score?

Submitting your basic information through our site does not trigger a hard credit pull. However, if you are matched with a lender and you choose to proceed with their loan offer, that specific lender may perform a formal credit check, which could briefly impact your score.

What are the requirements to use your service?

To request a loan connection, you generally need to be at least 18 years old, be a resident of Illinois, have a regular source of income, possess a valid ID, and have an active checking account in your name where the funds can be deposited.

Is my personal information secure?

Yes. We use industry-standard 256-bit encryption to protect the personal and financial details you submit through our online form. We value your privacy and only share your information with our network of trusted, licensed lenders to facilitate your loan request.

What happens if I can't make a payment on time?

If you anticipate missing a payment, you should contact your specific lender immediately. Because we are a matching service, we do not handle debt collection or repayment terms. Each lender has their own policies regarding grace periods, late fees, and alternate payment arrangements, which will be outlined in your loan agreement.

How much can I borrow in Illinois?

While loan amounts vary based on your income and the specific lender's underwriting policies, our network partners generally offer consumer installment loans ranging from $100 up to $4,000.