Best Illinois Lenders of 2021: Learn More & Apply Online

Best Illinois Lenders of 2021 Learn More & Apply Online

Online loans are intended for emergency situations when money is needed urgently and for a short period. Their advantage is that you can borrow money completely online within 15-30 minutes after submitting the application. There are a lot of different lenders in Illinois. Many of them have a loyalty program for their regular customers and convenient free repayment methods. If you repay loans in a timely manner, you will not only decrease the interest rate but also increase the available loan size and term. The application will be processed in about 1-2 minutes and the money will be instantly credited to your bank account. Using special referral services, you do not have to look for a new lender every time, provide collateral, or register on the site.

How to find the best lender in Illinois

The microfinance market is growing and it is sometimes difficult to find an organization with favorable terms. The payday loan rating presented on will help to select the right lender in Illinois. The page contains brief information about microfinance organizations in the state. Here you can easily find out who offers the most favorable loans online and which companies have low ratings.

The above-mentioned referral service has been helping millions of Americans to find the most suitable loans and other financial products for several years. Their task is to save you from the need to study dozens of websites in search of the information you need. They have done it for you. In order to make the best choice, study all the information, pay attention to the lender’s rating and read customer reviews. You can also submit an online loan application here.

Below we will review the best lenders in the three largest Illinois cities: Chicago, Aurora, and Rockford.

Best lenders in Chicago, IL


OppLoans is the most popular lender in Chicago that offers unsecured personal loans (loans don’t need any collateral). You can use the money for whatever purposes.

Loan amounts range from $500 to $4,000. Loan terms range from 9 months to 24 months. Depending on your credit score and other financial factors, your APR will range from 59% to 160%.

OppLoans typically approves loans within 24 hours, and you will likely get your money the next business day. The lender does not charge any origination fee, late fees, or prepayment penalties. There is no minimum credit score required to be eligible for a loan.

The lender’s website has a comprehensive FAQ section, sorted by topic.

With OppLoans, there is no minimum credit requirement, and the lender specializes in issuing loans to those who aren’t usually eligible with other financial institutions.

Speedy Cash

Speedy Cash is a licensed lender that operates in multiple states across the U.S. The company provides short-term loans online, over the phone and in stores. They offer payday loans, installment loans and title loans. Online payday loans are the main specialization of the company. These loans are used to satisfy a short-term cash need and then repaid with interest on the day you get your ext paycheck.

Speedy Cash loans are easy to access, and the lender has in-store locations for clients who prefer working with financial institutions in person.

APRs in Illinois vary depending on the type of loan you’re applying for and the loan term length.

The lender offers to borrow up to $26,000 both online and in stores. Since the company offers several types of loans, you can choose the option that suits you most at the moment. Although interest rates are quite high, Speedy Cash is a reliable option for people who need money right away and can repay it within a short time.

Advance Cash

Advance Cash is a popular short-term, small-dollar lender. They offer to borrow up to $1000, but if you are a first-time borrower, the maximum loan amount may be limited to $600.

Keep in mind that Advance Cash is a tribal lender: a monetary institution on tribal jurisdiction, owned and facilitated by the Native American community. It operates within their tribe’s reservation.

The lender does not disclose interest rates on its website, but according to user reviews, APRs range from 472% to 841%.

Customers can choose to make payments weekly, biweekly, or twice monthly. The loan term is individual for every person but it usually does not exceed 13 installments. The company charges no penalty for repaying your loan early. Customer reviews indicate that Advance Cash may charge late fees and origination fees.

A full list of Chicago lenders can be found on

Most popular lenders in Aurora, IL

A All Financial Services

A-All Financial Services is a lender that provides cash advances for individuals and legal entities.

They also offer money orders, license services in a speedy and efficient manner.

Users can get their money within just a few hours after filling out the online application form! The lender works 24/7.

A-All Financial Services cannot guarantee 100% approval, but they usually approve loans, even if the applicant is unemployed, receiving government benefits.


TitleMax is one of the largest title lending companies in the United States. They offer auto and motorcycle title loans and pawns at affordable rates. The lender strives to provide a high quality level of customer support as it helps thousands of people in Aurora and other cities in Illinois get the money they need urgently with a title loan. The lender has thousands of convenient locations.

Clients of TitleMax are able to receive up to $10,000 in as little as 30 minutes.

The process involves no bank account and no credit score requirements.

The company has loan specialists that help potential borrowers find out how much money they can borrow.

Midwest Title Loans

Midwest Title Loans is one of the nation’s most reputable companies helping Americans use the equity in their vehicle to access the money they need. The company was founded in 1990 in Jonesboro. Their loans allow you to keep your vehicle and get fast money at the moment that you need it.

Loan amounts in Aurora typically do not exceed $4,000.

Single installment loans are usually repaid within 30 days. Multi-installment title loans are paid off monthly.

Midwest only requires a photo ID, your vehicle, and its free and clear title.

The lender provides fast online title loan approvals. The application process is convenient and easy. You can receive the money in just 30 minutes or less.

You can get the cash you need in just 3 easy steps away: 1) provide some basic information to get the process started; 2) wait for the lender’s response; 3) have your vehicle evaluated and get your money.

These are only the top 3 popular lenders in the state. To find out a comprehensive list of lenders in Aurora, Illinois + their description and user reviews, click here.

Highly-rated loan providers in Rockford, IL

Check `n Go

Check `n Go is a company that offers easy money solutions when you need it most. The lender has about 1,000 locations across the USA.

The company offers payday loans, installment loans, and more. Payday loan terms usually do not exceed 31 days.

Check ‘n Go will typically approve you in less than an hour, and you will receive the money within 3 business days.

The lender does disclose minimum annual income eligibility criteria. They will consider your application regardless of your employment status if you can prove your solvency.

Check ‘n Go will not check your credit with the three major credit bureaus (Equifax, Experian, and TransUnion). However, they may use other databases to check your previous experiences with loans.

Illinois Title Loans, Inc.

Residents living in Rockford, Illinois have an opportunity to borrow money quickly with a title loan. A title loan from Illinois Title Loans, Inc. could offer some fast relief in the face of an unforeseen situation. Great news – you continue driving your car while repaying your loan.

The lender is ready to serve clients from multiple locations. Illinois Title Loans, Inc. is open 6 days a week. If you need a fast title loan, the company could approve you for a fast loan so that you are able to cope with your money issues like medical bills, car repairs, or other unexpected expenses.

You are able to borrow up to $4,000 in as little as 30 minutes.

All you need is the following items: driver’s license or state-issued I.D., your vehicle for inspection, and lien-free title to your vehicle.

Illinois Title Loans, Inc. welcomes all credit, so you may be eligible even if you have a bad credit history.

Security Finance

Security Finance issues small-dollar installment loans for people who need fast cash right away.

According to user reviews, the company provides great customer service, and there are no hidden payments or prepayment penalties. If you’re a resident of Illinois, you’ll be able to call or walk in to start your loan application.

In Illinois, you can borrow anywhere from $330 to $1,500. Interest rates vary based on your loan amount.

With this lender, you are able to receive a check for your loan funds on the same day or the next day.

You can repay your loan before the due date without a prepayment penalty fee.

More information about active lenders in Rockford, IL is given on this page.


Payday loans, title loans and installment loans are often a great solution to your temporary money issues as they are fast and easy to access. And it’s obvious that you may find that relaxed eligibility criteria and no hard credit checks outweigh the cons – possibly high interest rates. But before you make your final decision, study the market, compare your loan options, read users’ reviews, and make the right decision!

Category: General

Tags: finance, Illinois, loans online, money, online lenders