Illinois does not have many online payday lenders when compared to other states.  Just a few years ago there were many online options available if you were looking for short term lending options. This is especially true for residents of the Chicago area.  As we moved into 2018 that all begin to change.  Many companies chose to limit their lending options in Illinois because of regulatory requirements.  With that, there are still options available if you’re looking for payday loans in Chicago.  We list companies below that provide personal loans and long term installment loans in Chicago.  


Lendup funds online payday loans to consumers who live in Illinois.  They only fund online payday loans and they have a very simple application process.  With LendUp you can complete your application in less than 5 minutes and they claim good credit is never required.  The max loan term in Illinois for a LendUp payday loan is 30 days after the loan date.  You can also get your loan proceeds sent to your debit card or you can pick up at their Chicago IL location once your approved.

CashAdvance has been around since 1997 and have written loans in Chicago for years. They fund online payday loans of anywhere from $100 to $1000 with a loan term of 10 to 45 days in Illinois.  You will need to be show current employment with a monthly income of at least $750 to ensure pre-approval.  Applicants will also need an active checking account, no savings account or pre-paid accounts are allowed. is great to work with and you won’t always be denied for a cash advance or car title loan with poor to average credit.


Lending Club claims to be the largest online marketplace of investors that are willing to fund online loans in Chicago.  This type of lending is called peer to peer lending and is generally different from most of the financial companies here.  With LendingClub you’re able to apply for a large personal loan of up $35,000 in Illinois.  Once you complete an online application, LendingClub will use your data and come up with a risk profile for you.  Assuming you qualify, you can get a loan within 24 hours. Quicker if you live in Chicago and pick up at a local bank that works with them.  You will need a good credit score to be approved for a high dollar loan with LendingClub.  They also claim to have much lower rates than other online lenders.


Upstart is an online based lender that offers high dollar loans to consumers in Illinois.  To qualify for a payday loan with Upstart you need to have a full time job with a checking account.  Upstart is different from traditional loan companies in Illinois. They offer loans for 2-3 years opposed to a few weeks with a normal cash advance. Upstart funds loans of  $2,500 to $25,000 and you can expect your interest rate to start off in the single digits. Chicago residents may now be able to apply for a loan in person at one of their Chicago payday loan locations.  Applicants should get approval for a loan with a credit report score of 650 or higher.

USA Payday Loans

USA is a longtime lender with many offices all throughout Chicago. Illinois residents can apply for financing and have everything done over the computer. Or you can gather your documents and go to any of their payday loans Chicago locations. Their Illinois payday loans will run anywhere from $100 to $800 and you can expect the loan term to last from one to six months. USA also rolled out an installment loan offer. With this type of loan, Chicago residents can borrow more than $1000. Both payday loans and installment loans are provided at their Chicago and Aurora locations.


CashNet is a large online lender that only writes installment loans in Illinois.  They used to provide a good amount of online payday loans in Chicago, but it seems they’re no longer offering online loans in Chicago.  They claim their online application can be submitted and processed in minutes and you can get your cash by the next business day.  You’ll need an active checking account and verifiable employment to be approved for an online payday loan with them.  CashNet can offer online installment loans up to $2,200 with a 6 month or less payoff time to Illinois residents.  Their online installment loans are paid off in 6 installments but you can also pay the loan off early with no pre-payment penalty.

Speedy Cash

Speedy Cash offers both car title loans and in-store payday advances at any of their Illinois locations.  They operate over 6 locations that offer payday loans Chicago. Speedy also operates dozens of stores throughout the state of Illinois.  Speedy also funds installment loans as of a few months ago in Illinois.  You can either apply at their Chicago payday loan locations or fill out an application online.  With an installment loan you should expect a 12 payment loan term and you can borrow up to $500.  Their in-store rates and rules may be different so check out their loan terms on their site.

A-All Financial

A-All is another Illinois based firm that provides cash advances as well as online installment loans and auto equity financing.  They have well over a dozen locations all throughout Illinois with at least 3 cash advance Chicago locations.  Applicants can apply for up to $1000 with their cash advance portal. They claim you should be approved if you show active employment with a checking account.  Another benefit they provide is real-time cash in hand.  This means a Chicago resident that applies for a cash advance can get their money within minutes of approval. They claim their approval decision is quicker than most bank loans and other short term financial products.

Check out the most recent information that covers online loans in Chicago, Illinois

We recently broke down the changes Chicago residents are seeing when it comes to popular types of short term financing. View out our latest update on payday loans Chicago today!