Online loan

With our online personal loans, you simply apply online using your computer or mobile device. Submit the required documents through our secure, reliable, and easy-to-use customer portal. Our approval department will get right to work approving your loan. Then, after you’re approved, you can sign your documents in the online customer portal and get your funds deposited directly to your bank account as soon as the next day, or you can give us your debit card and we can fund your account in minutes with Instant Funding!

**Online loans available to Illinois residents only

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Benefits of an online personal loan

  • Apply from your phone or computer
  • Save time and effort
  • Stay safe with our secure platform
  • Get same-day approval
  • Receive your direct deposit
  • Enjoy your cash!

In-store loan

With our in-store personal loan option, you can apply either online or in-store—whichever works best for you. You can upload, fax, or personally submit the necessary documents so you can get pre-approved for a loan. Then, come into one of our six Chicago or Quad Cities locations with your final documents and electronically sign on our easy-to-use kiosks. Our attentive staff will be on hand to offer personal assistance. You’ll receive a check the same day!

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Benefits of an in-store personal loan

  • Get pre-approved online
  • Visit our convenient locations
  • Get help from knowledgeable staff
  • Submit documents effortlessly
  • Receive a check quickly
  • Get cash the same day!

What required documents do i need to apply for a loan?

Your proof of residence

Last 60 days of banking history

Weekly take-home pay of at least $300

Current pay stub or income statement

A valid driver’s license or state ID

A voided check or direct deposit form

Compare our personal loan interest rates and terms to payday loans

Illinois Lending

  • 99% APR
  • Flexible terms
  • No repayment fees
  • No hidden fees
  • Less restrictions
  • Ability to refinance

Payday loans

  • Over 400% APRs
  • Costly penalties
  • Deceptive billing
  • Designed to keep you in debt
  • Cannot refinance loan

A better way to borrow

No two situations are alike, so we offer many funding options to our valued customers. Get your funds in one of two ways: direct deposit or same day pickup.

  • Direct deposit

    Receive your funds directly to your bank account without having to leave the comfort of your home or workplace, saving you time.

  • Same day pickup

    Visit one of our convenient locations, pick up your check, and deposit or cash it on the same day. It’s a better alternative to payday loans.

What our customers are saying


I love this company they were there for me when I needed extra cash for my move.


Once again, the best in the biz. Always above and beyond customer service, especially Jen. Great women at the Moline location.


Staff is always friendly and helpful.


Great staff always helpful and nice. Great rates.


Very professional and helpful. And certainly a better value than a payday loan or title loan place. I recommend Illinois Lending greatly.


I really love this place they have very friendly staff. They even went above and beyond when I was having trouble getting me check cashed I really love this place and will recommend it to everyone.


Super friendly and amazing to deal with!


Illinois lending is very friendly and very easy to work with. It was the best solution for our financial situation.


Everyone is absolutely amazing! They're always understanding when you can't make a payment. The staff go up and beyond to assist you. Thank you so much.


Refinance with ease. Excellent customer services. Been doing business with them for years and always feel welcome.


Every time I come see the women at the Moline office, they make borrowing so simple and easy. I never have any grief or negative attitudes to deal with. They make borrowing fun and enjoyable.


Provided me with a small loan to get over the hump. Easy process, customer service was friendly and polite.


Super easy and efficient process! I needed the loan due to a family emergency. I got approved within minutes, walked into location and was out with my loan in under 45 minutes.


Great service! Application process is easy to complete and approval is usually the same day. The rates they charge are much more affordable than a lot of other lenders in this category.


My experience is always positive and helpful. Have been doing business with this company for a long time. I have no complaints.


My experience was great it did not take a long time to do my loan. I was I and out within 15 minutes with no hassle at all.


Trustworthy, quick and personable. That’s the best way to describe the team of young ladies that work at Illinois Lending. Thank you for your professionalism and smiles.

Apply online in minutes and get a quick decision!

We’re dedicated to helping our customers. That’s why we offer easy loan applications,
speedy customer service, no hidden fees, and affordable payments.
Apply Now