Find a Payday Loan in Illinois, Chicago and Aurora - Apply Online

Whether you are in Chicago, Aurora, Springfield we can help we can help you gain access to quick funds to overcome emergency financial setbacks. Apply today and you can receive the funds in less than an hour.

Representative Example:
On an assumed loan amount of $300 over 3 months. Representative 400% APR. Total repayment amount $518.91. 3 monthly payments of $218.91.

How To Apply For A Payday Loan in Illinois Today


Apply Online

Apply from your laptop, tablet or phone in less than 5 minutes.

Immediate Decision

You'll get an instant on-screen decision about whether you have been approved or not.

Get Fast Cash

Get the money in your bank account the same or next business day.

Why Use Capital Bean For A Payday Loan in Illinois?

You might be facing an urgent cash situation where it truly is an emergency. If you need cash quickly then getting a loan through your bank might not be fast enough. Capital Bean is ready to help with a same day loans available across Illinois right now. If you want to go through a bank it might take days or even weeks to get your payday loan request finalized. that might not be fast enough. And then imagine if you are declined a loan application. It can happen! Instead, work with Capital Bean to get fast cash now and have a decision on your loan in minutes.

Can Capital Bean Help You Find A Payday Loan In Illinois?

If you need cash in between paychecks, Capital Bean can help you gain quick access to funds. Whether it is emergency medical care, an unexpected car repair or a burst pipe, there are many reasons why you might need quick access to funds. Our online services are quick and easy to use and can help you find a payday loan anywhere in Illinois. Apply today and get a decision in a matter of minutes!

Is An Illinois Payday Loan The Right Product For Me?

Many of our borrowers work with Capital Bean to help them get through short-term financial problems such as an unexpected medical expense, burst pipe or broken down car. Once you’ve been approved by our panel the funds could be in your bank account in less than 1 hour.

Capital Bean helps people in Illinois find a payday loan with the best options.

  • Instant decisions
  • Flexible repayment options
  • Options for borrowers with poor credit
  • Online loan request form

Payday loans are not the right solution for everyone. If you are looking for extra cash to spend on shopping or going out, these loans are not the best option. For anyone having long-term financial problems, there are more suitable options available. Such loans should only ever be used for short-term, emergency expenses.

Always take care to read the lender’s terms and conditions to make sure you can afford this loan over the time period requested. If, for whatever reason, you are unable to meet a repayment on the due date, this will increase the amount of interest you need to pay and could negatively impact your credit score.

What Are The Steps To Apply For A Payday Loan In Illinois?

Step 1
Apply Online

Apply online using our 100% free form to apply in less than 5 minutes on your phone or tablet.

Step 2
Instant On-Screen Decision

Receive an instant decision on your laptop, tablet or ipad from one of our lending partners who will offer the best rates for your circumstances.

Step 3
Receive Your Money

Within 1 hour, the same day or the next business day you will get your funds in your nominated bank account that you provided in your application.

Where Can I Get A Payday Loan In Illinois?

Capital Bean offers a 100% online application process which means that you can apply from any town or city across Illinois. Our application takes just 5 minutes and you’ll get an instant decision. This is much quicker then going down to a payday shop or store and can save you lots of time. We work in the following cities and towns:

Arlington Heights
Des Plaines
Orland Park
Oak Lawn
Mount Prospect
Tinley Park
Oak Park
Hoffman Estates
Downers Grove
Buffalo Grove

Crystal Lake
Carol Stream
Park Ridge
Hanover Park
Rock Island
Calumet City
St. Charles
Glendale Heights
Elk Grove Village
Highland Park
North Chicago
Lake in the Hills
South Shore
East St. Louis

Glen Ellyn
Granite City
New Lenox
Round Lake Beach
Chicago Heights
Oak Forest
Vernon Hills
West Chicago
Morton Grove
Homer Glen
Melrose Park
Elmwood Park
South Elgin
Rolling Meadows
Fort Lauderdale
North and South Lawndale

Rules And Regulations For Payday Loan In Illinois

Legal Status
Interest Rate (APR) 36%
Maximum Loan Amount
$1,000 (or 25% of the gross monthly income)
Minimum Loan Term
13 days
Maximum Loan Term
120 days
Number of Rollovers
0 (for installment payday loans is just one time)
Number of Outstanding Loans 2
Cooling-off Period
7 days after 45 consecutive loan days
Finance Charges
$1 verification fee or A fee does not exceed $25 for insufficient funds
Statute of Limitations
10 years (from the last payment)
Database Loan Tracking

Reference: NCSL


How Much Would A $900 Payday Loan In Illinois Cost?

In Illinois, you can borrow up to $1,000 or 25% of your gross monthly income. As an example, we have shown how much it would cost to borrow $900 paid back over 120 days (the maximum term).

If you borrow $900 at an APR of 36% (the maximum in Illinois) the total you would pay back is $969.47. This would be 6 equal repayments of $161.58. In total you would pay $69.47 in interest.

Why Is Capital Bean Different?

The right partner

Capital Bean only ever works with trusted lenders so we can guarantee responsible lending. With hundreds of different lenders available across Illinois, we can analyze your application and make sure we are finding the right lender and the best loan product for your personal circumstances.

No impact on your credit history

Capital Bean will use soft credit checks to assess your finances which will never leave a visible footprint on your credit history. We look at factors other than just your credit history in order to determine your creditworthiness. This means that even if you have a poor credit score, you can still be considered for a loan.


Capital Bean is a broker rather than a direct lender. This means that we do not supply the funds directly but instead match you with the best lender for you. Even if you have poor or bad credit, we will always try and help you find access to funds.

Am I Eligible For A Payday Loan In Chicago or Illinois?

To avoid disappointment, it is always worth checking whether you’re eligible for a loan before using the online request form. To be eligible for a payday loan in Illinois, there are four key eligibility requirements. Applicants must state:

  • How much you want to borrow.
  • How long you’d like to borrow the loan for.
  • Your employment status.
  • Your income (this must be at least $800 a month to be eligible).
  • Your expenditure.

Are Payday Loans Legal In Illinois?

Payday loans are legal in Illinois. In accordance with state law, there is a limit on the amount of a classic payday loan; this is $1,000 or 25% of the gross monthly income (whichever is less). Loans can be taken out for anywhere between 13 days up to 120 days. Like many other states, finance charges operate with a maximum cap of 36% APR.



Can I Get A Payday Loan In Illinois If I Have Bad Credit?

Even borrowers with very poor credit may still be eligible for a loan. In Illinois, you can still find a payday loan even if you’ve been turned down by an app or credit union or bank in the past for your bad credit. (See also loans for people with bad credit).

At Capital Bean we work with all types of borrowers with a range of bad credit ratings. We want you to rebuild your financial strength so work with lenders that consider very bad credit.

What Are The Repayment Terms Of A Payday Loan In Illinois?

The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks.

If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time.

In Illinois, loans can be taken out for anywhere between 13 days up to 120 days.

If for any reason you struggle to pay back the loan amount,this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.

Our application process for Illinois payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.

We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in under an hour!

At Capital Bean, we understand that sometimes time is of the essence. When you’re hit with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!

If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans may not be for you. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.

How Fast Can I Get An Illinois Payday Loan?

Fill out our 100% online request form and receive a decision about your loan approval in minutes. If your application is successful, you could even receive the funds directly into your account on the same day.

Capital Bean aims to make the process as simple and quick as possible. That is why we work with multiple lenders across Illinois to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.

To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during Illinois working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.

What Is The Process To Request A Loan In Illinois?

Get started today by clicking on the ‘get started’ button below. This will take you straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.


FAQs For Illinois Payday Loans

Can I Get A Illinois Payday Loan Anywhere In The State?

Yes – we are 100% online which means you can get a loan wherever you live in Illinois. We work across all 37 states in the US where payday lending is legal.

How Much Can I Borrow?

With Capital Bean you can borrow anywhere from $100 to $35,000. In Illinois, the rules are slightly different. You can borrow a maximum of $1,000 or 25% of your gross monthly icome.

How Much Does A Payday Loan In Illinois Cost?

In Illinois the maximum APR that you can charge is 36%. The lenders can also charge $1 for verification but they can’t charge more than $25 if you have insufficient funds in your account.

Are There Fees For Applying?

There are no fees to apply for a payday loan with Capital Bean.

How Long Can I Borrow A Payday Loan For In Illinois?

In Illinois the minimum you can borrow for is 13 days and the maximum is 120 days. Also relevant is that you cannot rollover your loans in Illinois.

Can I Repay My Loan Early?

Yes – you can pay back your loan early and save money on the interest rate that you have been quoted. The first step is to contact your lender and let them know you want to repay your loan early Then you will need to pay back the full amount to them via an online portal or through the phone.

Does Capital Bean Make Loans Directly?

No – Capital Bean is not a direct lender and acts as a loan broker. We introduce you to the best broker in Illinois who will find you the best rates for your circumstances. We receive a small commission if your loan is successful.

Where in Illinois are Capital Bean?