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Illinois

Rates and Terms for Illinois

Loan Amounts: The maximum loan amount for Illinois Residents is $850.00 and or up to 25 percent of the gross income.Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan: Minimum 13 Days – Maximum 45 Days
Permitted Fees: $15.50 per $100 borrowed
The finance charge is considered fully earned as of the date on which the loan is made.The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.
Cooling Off Period: A seven (7) day ‘cooling-off’ period will be instituted after your loan is paid in full if you have had 2 previous consecutive loans outstanding in the last 45 days. Consecutive loans are separated by 7 or less calendar days. You will not be allowed to contract for a new loan during this period.

Additional Information

By Illinois regulation, all Illinois customers must have a pay stub on file with Checkcity.com when receiving a payday loan. Please fax or e-mail your latest pay stub when applying to ensure quick processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, child support or alimony payments. All materials may be sent via fax to 866-430-0830 or via email to info@checkcity.com. As soon as we receive this, we will be able to complete your loan request.Interest-Free Payment Plan – If you still owe on one or more payday loans after 35 days, you are entitled to enter into a repayment plan. The repayment plan will give you at least 55 days to repay your loan in installments with no additional finance charges, interest, fees or other charges of any kind.

 

PLAN DE PAGO SIN INTERESES: Si después de 35 días usted todavía debe uno o más préstamos del día de pago (payday loans), (excepto los préstamos del día de pago a plazo), tiene derecho a participar en un plan de pago. El plan de pago le concede 55 días como mínimo para pagar su deuda en cuotas sin tarifas de financiamiento adicionales, intereses, ni ningún otro cargo adicional.

 

Your Right to Cancel Future Payment Obligation – A borrower may cancel future payment obligations on a payday loan, without cost or finance charges, no later than the end of the second business day immediately following the day on which the payday loan agreement was executed. To cancel future payment obligations on a payday loan, the borrower must inform the Checkcity.com in writing that the borrower wants to cancel the future payment obligations on the payday loan and must return the uncashed proceeds, check or cash, in an amount equal to the principal amount of the loan.

Example APR and Fee Schedule

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table shows the Annual Percentage Rate (“APR”) and Finance Charges for various loan amounts.
Loan Amount Fee Rate Fee Amount Total of Payments Days APR % Days APR % Days APR %
Monto del Préstamo Tarifa del Honorario Cantidad del Honorario Total de Pagos Días Días Días
$100.00 15.50% $15.50 $115.50 13 435.19% 30 188.58% 40 141.44%
$200.00 15.50% $31.00 $231.00 13 435.19% 30 188.58% 40 141.44%
$300.00 15.50% $46.50 $346.50 13 435.19% 30 188.58% 40 141.44%
$400.00 15.50% $62.00 $462.00 13 435.19% 30 188.58% 40 141.44%
$500.00 15.50% $77.50 $577.50 13 435.19% 30 188.58% 40 141.44%
$600.00 15.50% $93.00 $693.00 13 435.19% 30 188.58% 40 141.44%
$700.00 15.50% $108.50 $808.50 13 435.19% 30 188.58% 40 141.44%
$800.00 15.50% $124.00 $924.00 13 435.19% 30 188.58% 40 141.44%
$900.00 15.50% $139.50 $1,039.50 13 435.19% 30 188.58% 40 141.44%
$1,000.00 15.50% $155.00 $1,155.00 13 435.19% 30 188.58% 40 141.44%

 

Finance Charge Up to $15.50 per $100.00 borrowed
Non- Sufficient Funds Fee $25.00

 

Please see your loan agreement for the APR and other terms applicable to your loan.

 

We cannot use the criminal process against you to collect on a payday loan.
No podemos usar el proceso criminal para colectar una prestimo de tiempo corto.

 

WARNING: This loan is not intended to meet long-term financial needs. This loan should be used only to meet short-term cash needs. The cost of your loan may be higher than loans offered by other lending institutions. This loan is regulated by the Department of Financial and Professional Regulation.

AVISO: Este préstamo no está destinado para cubrir necesidades financieras a largo plazo. Este préstamo sólo debe usarse para cubrir necesidades de efectivo a corto plazo. El costo de su préstamo puede ser mayor al de los préstamos ofrecidos por otras instituciones de préstamo. Este préstamo se rige por las reglamentaciones del Departamento de Reglamentación Financiera y Professional.

Illinois Disclosure

  • This loan is not intended to meet long-term financial needs. This loan should only be used to meet short-term needs.
  • The cost of your loan may be higher than loans offered by other lending institutions.
  • This loan is regulated by the Department of Financial & Professional Regulation.
  • You cannot be prosecuted in criminal court to collect this loan.

DECLARACIÓN DE POLÍTICAS APLICABLES EN EL ESTADO DE ILLINOIS

  • Este préstamo no está destinado para cubrir necesidades financieras a largo plazo. Este préstamo sólo debe usarse para cubrir necesidades a corto plazo.
  • El costo de su préstamo puede ser mayor al de los préstamos ofrecidos por otras instituciones de préstamo.
  • Este préstamo se rige por las reglamentaciones del Departamento de Reglamentación Financiera y Professional.
  • Usted no puede ser procesado ante un tribunal criminal para cobrar el pago de este préstamo.

 

Illinois Pamphlets

Please Click Here for the Illinois Payday Loan Pamphlet (English).
Please Click Here for the Illinois Payday Loan Pamphlet (Spanish).

Loan License and Registration:

We are licensed and regulated by the Illinois Division of Financial Institutions
Address: Consumer Credit Section, 320 W. Washington Springfield IL 62701
Phone: (888) 298-8089Estamos autorizados y regulados por la División de Instituciones Financieras de Illinois
Dirección: Sección de Crédito al Consumo, 320 W. Washington Springfield IL 62701
Teléfono: (888) 298-8089Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

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