Funding Zest
Is Ready to Help You
Apply For Payday Loans in Illinois 

Whether you’re in Chicago, Rockford, Naperville, or Aurora, we can help you with your payday loans in Illinois. We pair you with a lender that’ll give you the most favorable payday loan rates and terms. Borrow between $100 and $35,000. With Funding Zest, if you’re approved, your money can be in your bank on the same day or the next working day. 

Before I Apply For A Payday Loan In Illinois, What Should I Think About? 

Good question. There are several things to think about before you put in your payday loan application in Illinois.

Can you afford to repay the loan on time?

Loans like this are designed for people who have an income but have had an emergency. They need extra money to cover unforeseen expenses that month and can’t make it to the next paycheck.

How Much Will You Need?

Make sure that the amount you borrow is correct. Don’t get too little – you need to be able to cover the emergency needs. But. you also don’t want to get too much. Borrowing more than you need you will end up paying more in interest than is necessary. In addition, you may find it’s harder to repay the loan.

How Long Will I Need The Money?

You can decide upfront if you want to pay off your loan at the next payday or over several months to pay in monthly installments. You agree on this with your lender before you sign the contract. If your loan is two to four weeks, then you could repay it in one full repayment at the end of the month. Like, if you need the cash to pay off bills until your next paycheck, then it definitely could be a short-term loan that you pay off in a month or a couple of months.

But if you find that your situation is going to last a bit longer, you can arrange a longer-term loan and borrow up to 60 months. Again, you arrange that with your lender.


If I Got A Payday Loan in Illinois
What Could I Use It For?

Payday loans in Illinois are designed to help when you have a regular income but you have a financial emergency. Say your car may have broken down or you have bills at the hospital. Your payday loan can be used for those things.

What payday loans are not designed for being frivolous in spending, on shopping trips, or traveling. In addition, you wouldn’t want to use your Illinois payday loan to pay off other loans.

Would I Be Eligible for Payday Loans in Illinois?


In order to qualify for a payday loan in Illinois, there are criteria that everyone has to meet. So if you want your loan approved read on and see if you fit. You must…

  • Be a US resident
  • Be over the age of 18
  • Have a steady income of at least $800 per month
  • Have a bank account where your lender can deposit your funds

How Do Illinois Payday Loans Work?

If you live in Illinois you can get payday loans in Illinois all over the state for $100 up to $35,000.

You and the lender agree on how long you need the money and what kind of repayment terms you want to set up. If it’s a short-term loan, you may pay it back in one month in one lump sum. Say you’ve reached your next paycheck now you can pay it back in a month or so. But with a longer-term loan, you borrow for up to 60 months then you pay that loan back in equal monthly installments.

You always have the option to pay back your loan early. If you do that it saves you paying that extra interest – which is a plus.

4 Steps to Money In Your Bank

apply now

Have Your
Details Ready

Help your application for payday loans in Illinois go as quickly as possible. Get your basic info ready – job, income, bank details, SSN, or other i.d.

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Fast, Simple
 All Online

Our 100% online loan application takes under 5 minutes. We’ll give you an instant decision online. Use your phone, laptop, or tablet. Apply in your pajamas if you like!

loans great pairings


As a broker, Funding Zest swiftly pairs you with just the right lender most likely to give you loan approval with favorable terms for your financial situation.

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in Your Bank

You’ll get an instant decision online. If your loan is approved, your new lender could send money to your bank by the next business day.

Same Day Loan

How Long Will it Take to Get a Payday Loan in Illinois?

Receiving a payday loan in Illinois could be 24 hours or as little as one hour! Once you submit your application, we start searching for lenders who are most likely to approve your loan and give you the best terms possible. If your loan is approved, you’ll get the money in your account as fast as possible.

How Do I Apply For Payday Loans In Illinois?

Since our application process is so super simple, all you have to do is click our ‘Get Started’ button anywhere on our website.

As soon as you do, you’re taken to our online form. There you provide the basic details about yourself. Those include your job, how much you make, and any other monthly expenditures you’ve got. Plus the amount you want to borrow and how long you want the loan to last.

Remember, using our online application Funding Zest can help you find loans in Illinois from anywhere from $100 to $35,000. You can request to repay those loans anywhere from a month up to 60 months.

We understand that you go for a payday loan because you need cash quickly, often there’s an emergency. So we work hard to get your money in the bank as soon as possible. If you’re approved by our lenders, your funds could be in your bank in it is as little as an hour.

That’s why Funding Zest is perfect for your payday loan. We get the money you need as soon as you need it when you live in Illinois.

Where Can I Find
Payday Loans
In Illinois?

Click on one of our Apply Now buttons and request your Illinois payday loan. Our online service is completely free, quick, and easy. You don’t even have to leave your sofa!

Funding Zest simplified the process so much that you can complete our application in under five minutes and have your money within hours, if not minutes. Our search engine looks at the whole payday loan market so they can find the best lenders and best options for you.

When you put in your Illinois payday loan application with Funding Zest the search starts instantly. We pick the best from our collection of reputable Illionois lending companies that match the loan you’re looking for. This way you don’t have to search online through tons of lenders or go from payday loan store to payday loan store.

Everything is made so easy that you can get the cash even quicker than you thought possible. Our lenders can return a decision to you quickly in minutes.

If your payday loan has been accepted by a Funding Zest lender, that money could be in your account within an hour.

Alton Arlington Heights Arthur Aurora Belleville Belvidere Bloomington Brookfield Cahokia Cairo Calumet City Canton Carbondale Carlinville Carthage Centralia Champaign Charleston Chester Chicago Chicago Heights Cicero Collinsville Danville
Decatur DeKalb Des Plaines Dixon East Moline East Saint Louis Effingham Elgin Elmhurst Evanston Freeport Galena Galesburg Glen Ellyn Glenview Granite City Harrisburg Herrin Highland Park Jacksonville Joliet Kankakee Kaskaskia Kewanee
La Salle Lake Forest Libertyville Lincoln Lisle Lombard Macomb Mattoon Moline Monmouth Mount Vernon Mundelein Naperville Nauvoo Normal North Chicago Oak Park Oregon Ottawa Palatine Park Forest Park Ridge Pekin Peoria
Petersburg Pontiac Quincy Rantoul River Forest Rock Island Rockford Salem Shawneetown Skokie South Holland Springfield Streator Summit Urbana Vandalia Virden Waukegan Wheaton Wilmette Winnetka Wood River Zion

FAQs on Payday Loans in Illinois

Funding Zest believes in second chances. That means that even if you have been rejected for a loan in the past, you could be eligible for a loan with us. We work with a range of lenders including lenders who specialize in borrowers with poor credit scores.

Payday loan amounts with Funding Zest range from $100 to $35,000 although Florida state law prohibits loans of more than $500.

Borrowers can repay in 1 month all the way up to 60 months in equal monthly installments to stretch out their repayments.

Make sure that you are very aware of the consequences of not repaying. If you are unable to pay back your loan on time, there could be extra interest accrued. In addition, your credit score would go down and possibly harm your chances of getting a future loan.

You can always repay early if you would like to. If you do, you can save on interest.

It is free to submit a payday loan request in Alabama using Funding Zest’s online application service. We receive a commission from your lender if you successfully receive your loan.

Funding Zest considers no credit check loans, but a credit check is automatically carried out for all borrowers.

Funding Zest is a broker. We pair you with one of our experienced lenders in Alabama with favorable terms that suit your needs.