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Best Personal Loans in Illinois, Bad Credit Loans, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
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For installment loans of $4,001 to $40,000, Illinois’ Consumer Installment Loan Act requires licensed lenders to cap APRs at 36%. Terms are capped at 181 months, and loans must be fully amortizing – repayable over weekly, bi-weekly, semi-monthly, or monthly installments. However, the rate cap does not apply to car title loans or ‘small consumer loans.’

For installment loans of $1,500 or less, APRs are capped at 99%. And for installment loans of $1,501 to $4,000, licensed lenders can levy an acquisition charge of up to $100. Monthly handling charges can also reach upwards of $69 for loans of $1,500.01 to $1,600. For loans of $3,900.01 to $4,000, monthly handling charges can reach upwards of $124. Like the above, the total APR cannot exceed 99%.

For loans of over $4,000, licensed lenders can also levy a 5% delinquency charge on unpaid balances over $200. For unpaid balances of $200 or less, a $10 maximum is applied. A 10-day grace period is also required before licensed lenders can administer the charge, and only one fee can be issued per loan.

Loans can also be classified as ‘deferred.’ If both the lender and the borrower agree beforehand, payment dates can be postponed. However, the monthly deferment charge cannot exceed the interest rate levied during the previous months.

Best Bad Credit Loans in Illinois of January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in Illinois:

Yes
Get started

If you’re struggling to get approved, see our complete guide on bad credit loans.

Best Personal Loans for Good Credit in Illinois of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Illinois:

Yes
Get started

Payday Loan Laws in Illinois of January 2025

Maximum Loan Amount: Less than $1,000 or 25% of your gross monthly income

Minimum Loan Term: 13 days

Maximum Loan Term: 120 days

Maximum Fee: $15.50 per $100 borrowed

Maximum APR: Typically 404%

Rollovers: Prohibited

Loan Limit: You can only have two payday loans at a time

Payday loans are legal in Illinois.

However, the Payday Loan Reform Act requires licensed lenders to cap loans at the lessor of $1,000 or 25% of a borrower’s gross monthly income. Finance charges cannot exceed $15.50 per $100 borrowed, and lenders cannot issue loans to borrowers who already have two outstanding payday loans. Rollovers are also prohibited.

Payday Loan Laws in Illinois by Country of January 2025

ElitePersonalFinance analysis of payday loan laws by countries in the State of Illinois.

We haven’t found a significant difference between the payday loan laws in Illinois. If you are with bad credit, here are the laws in Illinois by country.

City: Amount Allowed: APR Allowed: Status:
Chicago $1,000 404% Legal
Aurora $1,000 404% Legal
Joliet $1,000 404% Legal
Rockford $1,000 404% Legal
Naperville $1,000 404% Legal
Springfield $1,000 404% Legal
Peoria $1,000 404% Legal
Elgin $1,000 404% Legal
Waukegan $1,000 404% Legal
Champaign $1,000 404% Legal
Cicero $1,000 404% Legal
Bloomington $1,000 404% Legal
Arlington Heights $1,000 404% Legal
Evanston $1,000 404% Legal
Schaumburg $1,000 404% Legal
Bolingbrook $1,000 404% Legal
Decatur $1,000 404% Legal
Palatine $1,000 404% Legal
Skokie $1,000 404% Legal
Orland Park $1,000 404% Legal
Des Plaines $1,000 404% Legal
Tinley Park $1,000 404% Legal
Oak Lawn $1,000 404% Legal
Berwyn $1,000 404% Legal
Mount Prospect $1,000 404% Legal
Normal $1,000 404% Legal
Wheaton $1,000 404% Legal
Oak Park $1,000 404% Legal
Hoffman Estates $1,000 404% Legal
Downers Grove $1,000 404% Legal
Glenview $1,000 404% Legal
Elmhurst $1,000 404% Legal
Lombard $1,000 404% Legal
Plainfield $1,000 404% Legal
DeKalb $1,000 404% Legal
Urbana $1,000 404% Legal
Moline $1,000 404% Legal
Belleville $1,000 404% Legal
Buffalo Grove $1,000 404% Legal
Bartlett $1,000 404% Legal
Quincy $1,000 404% Legal
Streamwood $1,000 404% Legal
Crystal Lake $1,000 404% Legal
Carol Stream $1,000 404% Legal
Romeoville $1,000 404% Legal
Wheeling $1,000 404% Legal
Rock Island $1,000 404% Legal
Hanover Park $1,000 404% Legal
Carpentersville $1,000 404% Legal
Park Ridge $1,000 404% Legal
Addison $1,000 404% Legal
Calumet City $1,000 404% Legal
Oswego $1,000 404% Legal
Glendale Heights $1,000 404% Legal
Woodridge $1,000 404% Legal
Northbrook $1,000 404% Legal
Pekin $1,000 404% Legal
Elk Grove Village $1,000 404% Legal
St. Charles $1,000 404% Legal
Mundelein $1,000 404% Legal
Danville $1,000 404% Legal
Galesburg $1,000 404% Legal
Gurnee $1,000 404% Legal
Algonquin $1,000 404% Legal
Chicago Heights $1,000 404% Legal
North Chicago $1,000 404% Legal
Highland Park $1,000 404% Legal
Niles $1,000 404% Legal
O’Fallon $1,000 404% Legal
Granite City $1,000 404% Legal
Burbank $1,000 404% Legal
Lake in the Hills $1,000 404% Legal
Lansing $1,000 404% Legal
Glen Ellyn $1,000 404% Legal
Oak Forest $1,000 404% Legal
Round Lake Beach $1,000 404% Legal
Wilmette $1,000 404% Legal
West Chicago $1,000 404% Legal
Alton $1,000 404% Legal
McHenry $1,000 404% Legal
East St. Louis $1,000 404% Legal
Huntley $1,000 404% Legal
Batavia $1,000 404% Legal
Vernon Hills $1,000 404% Legal
New Lenox $1,000 404% Legal
Kankakee $1,000 404% Legal
Carbondale $1,000 404% Legal
Belvidere $1,000 404% Legal
Melrose Park $1,000 404% Legal
Lockport $1,000 404% Legal
Woodstock $1,000 404% Legal
Westmont $1,000 404% Legal
Edwardsville $1,000 404% Legal
Collinsville $1,000 404% Legal
Elmwood Park $1,000 404% Legal
Harvey $1,000 404% Legal
Homer Glen $1,000 404% Legal
Freeport $1,000 404% Legal
Zion $1,000 404% Legal
Loves Park $1,000 404% Legal
Maywood $1,000 404% Legal
Lisle $1,000 404% Legal
Morton Grove $1,000 404% Legal
Rolling Meadows $1,000 404% Legal
Dolton $1,000 404% Legal
Machesney Park $1,000 404% Legal
East Peoria $1,000 404% Legal
Roselle $1,000 404% Legal
Blue Island $1,000 404% Legal
South Elgin $1,000 404% Legal
Bloomingdale $1,000 404% Legal
Darien $1,000 404% Legal
Villa Park $1,000 404% Legal
South Holland $1,000 404% Legal
Geneva $1,000 404% Legal
Park Forest $1,000 404% Legal
East Moline $1,000 404% Legal
Grayslake $1,000 404% Legal
Mokena $1,000 404% Legal
Charleston $1,000 404% Legal
Libertyville $1,000 404% Legal
Crest Hill $1,000 404% Legal
Lake Zurich $1,000 404% Legal
Evergreen Park $1,000 404% Legal
Homewood $1,000 404% Legal
Bourbonnais $1,000 404% Legal
Matteson $1,000 404% Legal
Lake Forest $1,000 404% Legal
Montgomery $1,000 404% Legal
Alsip $1,000 404% Legal
Yorkville $1,000 404% Legal
Bellwood $1,000 404% Legal
Deerfield $1,000 404% Legal
Jacksonville $1,000 404% Legal
Brookfield $1,000 404% Legal
Frankfort $1,000 404% Legal
Ottawa $1,000 404% Legal
Round Lake $1,000 404% Legal
Bensenville $1,000 404% Legal
Franklin Park $1,000 404% Legal
Macomb $1,000 404% Legal
Cary $1,000 404% Legal
Sycamore $1,000 404% Legal
Godfrey $1,000 404% Legal
Hinsdale $1,000 404% Legal
North Aurora $1,000 404% Legal
Marion $1,000 404% Legal
Mattoon $1,000 404% Legal
Palos Hills $1,000 404% Legal
Shorewood $1,000 404% Legal
Lemont $1,000 404% Legal
Country Club Hills $1,000 404% Legal
Morton $1,000 404% Legal
Westchester $1,000 404% Legal
Washington $1,000 404% Legal
Bridgeview $1,000 404% Legal
Fairview Heights $1,000 404% Legal
Prospect Heights $1,000 404% Legal
La Grange $1,000 404% Legal
Dixon $1,000 404% Legal
Bradley $1,000 404% Legal
Norridge $1,000 404% Legal
Sterling $1,000 404% Legal
Mount Vernon $1,000 404% Legal
Midlothian $1,000 404% Legal
Lindenhurst $1,000 404% Legal
Antioch $1,000 404% Legal
Cahokia $1,000 404% Legal
Chicago Ridge $1,000 404% Legal
Forest Park $1,000 404% Legal
Hickory Hills $1,000 404% Legal
Morris $1,000 404% Legal
Swansea $1,000 404% Legal
Wood Dale $1,000 404% Legal
Canton $1,000 404% Legal
Wauconda $1,000 404% Legal
Lincoln $1,000 404% Legal
Hazel Crest $1,000 404% Legal
Richton Park $1,000 404% Legal
Beach Park $1,000 404% Legal
La Grange Park $1,000 404% Legal
Warrenville $1,000 404% Legal
Shiloh $1,000 404% Legal
Western Springs $1,000 404% Legal
Rantoul $1,000 404% Legal
Justice $1,000 404% Legal
Herrin $1,000 404% Legal
Glen Carbon $1,000 404% Legal
Streator $1,000 404% Legal
Riverdale $1,000 404% Legal
Channahon $1,000 404% Legal
Effingham $1,000 404% Legal
Markham $1,000 404% Legal
Kewanee $1,000 404% Legal
Lincolnwood $1,000 404% Legal
Centralia $1,000 404% Legal
Chatham $1,000 404% Legal
Palos Heights $1,000 404% Legal
Winnetka $1,000 404% Legal
Northlake $1,000 404% Legal
Pontiac $1,000 404% Legal
Plano $1,000 404% Legal
Schiller Park $1,000 404% Legal
Campton Hills $1,000 404% Legal
Summit $1,000 404% Legal
Minooka $1,000 404% Legal
River Forest $1,000 404% Legal
Taylorville $1,000 404% Legal
Crestwood $1,000 404% Legal
Burr Ridge $1,000 404% Legal
Worth $1,000 404% Legal
Fox Lake $1,000 404% Legal
Roscoe $1,000 404% Legal
Lyons $1,000 404% Legal
Sauk Village $1,000 404% Legal
Columbia $1,000 404% Legal
Troy $1,000 404% Legal
Barrington $1,000 404% Legal
Waterloo $1,000 404% Legal
Wood River $1,000 404% Legal
River Grove $1,000 404% Legal
Highland $1,000 404% Legal
Peru $1,000 404% Legal
Gages Lake $1,000 404% Legal
Winfield $1,000 404% Legal
Sugar Grove $1,000 404% Legal
Steger $1,000 404% Legal
Flossmoor $1,000 404% Legal
Lynwood $1,000 404% Legal
Bethalto $1,000 404% Legal
LaSalle $1,000 404% Legal
Harvard $1,000 404% Legal
Rochelle $1,000 404% Legal
Monmouth $1,000 404% Legal
Boulder Hill $1,000 404% Legal
Itasca $1,000 404% Legal
Harrisburg $1,000 404% Legal
Glencoe $1,000 404% Legal
Rock Falls $1,000 404% Legal
Riverside $1,000 404% Legal
Olney $1,000 404% Legal
Glenwood $1,000 404% Legal
Lake Villa $1,000 404% Legal
Clarendon Hills $1,000 404% Legal
Savoy $1,000 404% Legal
Manteno $1,000 404% Legal
Frankfort Square $1,000 404% Legal
Willowbrook village $1,000 404% Legal
Harwood Heights $1,000 404% Legal
Calumet Park $1,000 404% Legal
Paris $1,000 404% Legal
Chester $1,000 404% Legal
Mahomet $1,000 404% Legal
Crete $1,000 404% Legal
Marengo $1,000 404% Legal
Jerseyville $1,000 404% Legal
Oak Brook $1,000 404% Legal
Hillside $1,000 404% Legal
Round Lake Park $1,000 404% Legal
Island Lake $1,000 404% Legal
Hawthorn Woods $1,000 404% Legal
Mascoutah $1,000 404% Legal
Long Grove $1,000 404% Legal
Maryville $1,000 404% Legal
Murphysboro $1,000 404% Legal
West Frankfort $1,000 404% Legal
Broadview $1,000 404% Legal
South Beloit $1,000 404% Legal
Manhattan $1,000 404% Legal
Inverness $1,000 404% Legal
Gilberts $1,000 404% Legal
Rockton $1,000 404% Legal
Princeton $1,000 404% Legal
Sandwich $1,000 404% Legal
Robinson $1,000 404% Legal
Silvis $1,000 404% Legal
West Dundee $1,000 404% Legal
Lincolnshire $1,000 404% Legal
Park City $1,000 404% Legal
Pingree Grove $1,000 404% Legal
Orland Hills $1,000 404% Legal
Clinton $1,000 404% Legal
University Park $1,000 404% Legal
Salem $1,000 404% Legal
Mount Carmel $1,000 404% Legal
Mendota $1,000 404% Legal
Litchfield $1,000 404% Legal
Benton $1,000 404% Legal
Vandalia $1,000 404% Legal
Hillsboro $1,000 404% Legal
North Riverside $1,000 404% Legal
Winthrop Harbor $1,000 404% Legal
Stickney $1,000 404% Legal
Greenville $1,000 404% Legal
Geneseo $1,000 404% Legal
Johnsburg $1,000 404% Legal
Bartonville $1,000 404% Legal
Braidwood $1,000 404% Legal
Posen $1,000 404% Legal
Metropolis $1,000 404% Legal
Lakemoor $1,000 404% Legal
Chillicothe $1,000 404% Legal
Eureka $1,000 404% Legal
East Alton $1,000 404% Legal
Countryside $1,000 404% Legal
Mount Zion $1,000 404% Legal
Wilmington city $1,000 404% Legal
Peoria Heights $1,000 404% Legal
Beardstown $1,000 404% Legal
Hampshire $1,000 404% Legal
Carterville $1,000 404% Legal
Elburn $1,000 404% Legal
Du Quoin $1,000 404% Legal
Monticello $1,000 404% Legal
Spring Grove $1,000 404% Legal
Pontoon Beach $1,000 404% Legal
Willow Springs $1,000 404% Legal
Lake Bluff $1,000 404% Legal
Carlinville $1,000 404% Legal
Northfield $1,000 404% Legal
Creve Coeur $1,000 404% Legal
Pana $1,000 404% Legal
Pinckneyville $1,000 404% Legal
Coal City $1,000 404% Legal
Highwood $1,000 404% Legal
Spring Valley $1,000 404% Legal
Grandwood Park $1,000 404% Legal
Hoopeston $1,000 404% Legal
Watseka $1,000 404% Legal
Berkeley $1,000 404% Legal
Monee $1,000 404% Legal
Marseilles $1,000 404% Legal
Milan $1,000 404% Legal
Fairfield $1,000 404% Legal
Lake Barrington $1,000 404% Legal
Centreville $1,000 404% Legal
Olympia Fields $1,000 404% Legal
Staunton $1,000 404% Legal
Robbins $1,000 404% Legal
Colona $1,000 404% Legal
Stone Park $1,000 404% Legal
Carmi $1,000 404% Legal
Palos Park $1,000 404% Legal
Fox River Grove $1,000 404% Legal
Genoa $1,000 404% Legal
Candlewick Lake $1,000 404% Legal
South Barrington $1,000 404% Legal
Flora $1,000 404% Legal
Auburn $1,000 404% Legal
Poplar Grove $1,000 404% Legal
Volo $1,000 404% Legal
West Peoria $1,000 404% Legal
Tuscola $1,000 404% Legal
Sullivan $1,000 404% Legal
Lake Holiday $1,000 404% Legal
Shelbyville $1,000 404% Legal
Breese $1,000 404% Legal
Sherman $1,000 404% Legal
St. Joseph $1,000 404% Legal
Lawrenceville $1,000 404% Legal
Sparta $1,000 404% Legal
Beecher $1,000 404% Legal
Pittsfield $1,000 404% Legal
Rosemont $1,000 404% Legal
Hometown $1,000 404% Legal
Peotone $1,000 404% Legal
Paxton $1,000 404% Legal
Lebanon $1,000 404% Legal
Freeburg $1,000 404% Legal
Eldorado $1,000 404% Legal
Anna $1,000 404% Legal
Wonder Lake $1,000 404% Legal
Burnham $1,000 404% Legal
Dwight $1,000 404% Legal
South Chicago Heights $1,000 404% Legal
Rosewood Heights $1,000 404% Legal
Cortland $1,000 404% Legal
Caseyville $1,000 404% Legal
Kildeer $1,000 404% Legal
Smithton $1,000 404% Legal
Washington Park $1,000 404% Legal
Barrington Hills $1,000 404% Legal
Millstadt $1,000 404% Legal
Dupo $1,000 404% Legal
Morrison $1,000 404% Legal
Green Oaks $1,000 404% Legal
Metamora $1,000 404% Legal
Indian Head Park $1,000 404% Legal
Lakewood $1,000 404% Legal
Madison $1,000 404% Legal
Rochester $1,000 404% Legal
Oregon $1,000 404% Legal
Oglesby $1,000 404% Legal
Deer Park $1,000 404% Legal
Dixmoor $1,000 404% Legal
Hainesville and Riverwoods $1,000 404% Legal
Coal Valley $1,000 404% Legal
Byron $1,000 404% Legal
Fairbury $1,000 404% Legal
Wadsworth $1,000 404% Legal
Le Roy $1,000 404% Legal
Red Bud $1,000 404% Legal
Aledo $1,000 404% Legal
Virden $1,000 404% Legal
Johnston City $1,000 404% Legal
Germantown Hills $1,000 404% Legal
Abingdon $1,000 404% Legal
Riverton $1,000 404% Legal
Winnebago $1,000 404% Legal
Long Lake $1,000 404% Legal
Marshall $1,000 404% Legal
Galena $1,000 404% Legal
Gibson City $1,000 404% Legal
Sleepy Hollow $1,000 404% Legal
Georgetown city $1,000 404% Legal
Fulton $1,000 404% Legal
Westville $1,000 404% Legal
Carlyle $1,000 404% Legal
New Baden $1,000 404% Legal
Pistakee Highlands $1,000 404% Legal
Havana $1,000 404% Legal
Round Lake Heights $1,000 404% Legal
Ingalls Park $1,000 404% Legal
South Jacksonville $1,000 404% Legal
Sumner $1,000 404% Legal
East Dundee $1,000 404% Legal
Heyworth $1,000 404% Legal
Momence $1,000 404% Legal
Nashville $1,000 404% Legal
Tolono $1,000 404% Legal
Gillespie $1,000 404% Legal

Car Title Loans in Illinois of January 2025

Car title loans are legal in Illinois, and APRs can reach upwards of 300%.

However, in 2009, the Illinois Department of Financial and Professional Regulation (IDFPR) safeguards were put in place to protect borrowers from predatory lenders.

The revisions state:

  • Loans cannot exceed $4,000, and monthly payments cannot exceed 50% of a borrower’s gross monthly income.
  • Title loans must be repayable in equal installments.
  • A statewide database must approve all title loans.
  • Loans cannot be offered to borrowers who had a title loan outstanding in the preceding 15 days.
  • Before agreeing, lenders must provide an IDFPR-created pamphlet – which includes an IDFPR-sponsored telephone number for questions and complaints – outlining the availability of debt management services and the borrower’s rights and responsibilities.
  • Any notice of delinquency or default must include the IDFPR hotline telephone number.
  • A title loan may be refinanced only when the principal has been reduced (by the borrower or lender or both) by at least 20%, and the principal on the new loan cannot exceed the total outstanding balance of the refinanced loan.
  • If repossession occurs, the lender must allow the borrower to make the car available at a reasonably convenient place, date, and time and allow the borrower to remove any personal belongings without additional charge.
  • Lenders cannot repossess a car and lease it back to the borrower.
  • When making a title loan, lenders cannot secure any property other than the vehicle.

Alternative Payday Loans in Illinois of January 2025

As a ‘small consumer loan’ provider licensed in Illinois, OppLoans complies with regulations by capping loans at $4,000 and APRs at 99%. You can borrow as little as $500, and terms range from 9 to 18 months.

If you’re denied a personal loan, OppLoans is a great fallback option.

Best Auto Loans for Bad Credit in Illinois of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Illinois:

Yes
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Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Illinois:

Yes
Get started
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Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Illinois:

Yes
Get started
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Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Illinois:

Yes
Get started

Best Auto Loans for Good Credit in Illinois of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Illinois:

Yes
Get started
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Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Illinois:

Yes
Get started
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Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Illinois:

Yes
Get started
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Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Illinois:

Yes
Get started
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Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Illinois:

Yes
Get started
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Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Illinois:

Yes
Get started
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Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Illinois:

Yes
Get started
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Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Illinois:

Yes
Get started
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Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Illinois:

Yes
Get started

Credit Unions in Illinois of January 2025

Name: APR: Amount:
Alliant Credit Union 6.49% – 10.49% $1,000 – $50,000
Citizens Equity First Credit Union (CEFCU) 9.24%+ $1,000+

Alliant Credit Union

At Alliant Credit Union, whether it’s debt consolidation, home expenses, or unexpected emergencies, loans can be used for nearly any reason. No collateral is required, and funds are typically deposited the same day.

Loans range from $1,000 to $50,000 with terms of 1 to 5 years. APRs vary by term but will be 0.4% higher if you don’t sign up for automatic payments. However, Alliant charges zero loan origination fees, and there are no prepayment penalties.

Typical APRs are structured like this:

  • 12 Months: 6.49%
  • 24 Months: 7.49%
  • 48 Months: 9.49%
  • 60 Months: 10.49%

To learn more, you can contact Alliant by telephone or email. You can also visit its headquarters in Chicago.

Citizens Equity First Credit Union (CEFCU)

At Citizens Equity First Credit Union (CEFCU), loans start at $1,000, and you have four options to choose from:

  • Single-Payment Notes are balloon-payment loans, with 1 payment made at the end of the term. Unsecured loans have APRs of 12.75%. Secured loans have APRs of 10.25%, and loans secured with a CEFCU savings account have APRs of 3.50%. You can also opt for 3, 6, or 12-month terms.
  • Personal Unsecured Loans have APRs of 9.24% but can vary based on amount and credit quality. Terms extend up to 48 months.
  • Personal Share Secured Loans have APRs of 3.50% for terms of 36 months or less and 3.75% for terms of 37 to 48 months. A CEFCU savings account is required as collateral.
  • Personal Secured Loans require a different asset as collateral. However, APRs are not directly listed. Terms extend up to 60 months.

CEFCU operates 22 member centers across Illinois, located in Peoria, Bloomington, Springfield, Lincoln, etc.

All Licensed Credit Unions in Illinois of January 2025

Name: City: Size (Millions): Members:
CITIZENS EQUITY FIRST CREDIT UNION Peoria $4,591.06 285834
ALLIANT CREDIT UNION Chicago $8,235.54 276424
BAXTER CREDIT UNION Vernon Hills $1,580.22 147694
STATE FARM FEDERAL CREDIT UNION Bloomington $3,673.61 130731
I. H. MISSISSIPPI VALLEY CREDIT UNION Moline $841.41 105179
SCOTT CREDIT UNION Collinsville $793.72 94161
CREDIT UNION 1 Rantoul $644.40 79712
CORPORATE AMERICA FAMILY CREDIT UNION Elgin $556.17 65942
CONSUMERS COOPERATIVE CREDIT UNION Waukegan $568.11 55558
1ST MIDAMERICA CREDIT UNION Bethalto $474.46 43411
GREAT LAKES CREDIT UNION North Chicago $543.94 41605
UNIVERSITY OF ILLINOIS EMPS CREDIT UNION Champaign $263.81 40521
MOTOROLA EMP. CREDIT UNION Schaumburg $802.26 38860
GCS FEDERAL CREDIT UNION Granite City $297.70 38752
DHCU COMMUNITY CREDIT UNION Moline $443.75 38211
HEALTHCARE ASSOCIATES CREDIT UNION Naperville $236.88 35821
R.I.A. FEDERAL CREDIT UNION Rock Island $333.73 35514
ABBOTT LABORATORIES CREDIT UNION Gurnee $586.73 33199
DUPAGE CREDIT UNION Naperville $271.60 31806
SIU CREDIT UNION Carbondale $230.92 28826
ABRI CREDIT UNION Romeoville $290.73 27579
DECATUR EARTHMOVER CREDIT UNION Forsyth $247.18 26767
HEARTLAND CREDIT UNION Springfield $208.64 26007
DEERE EMPLOYEES CREDIT UNION Moline $515.46 25878
FIRST NORTHERN CREDIT UNION Chicago $289.44 24327
EARTHMOVER CREDIT UNION Aurora $213.13 24223
LAND OF LINCOLN CREDIT UNION Decatur $158.20 23238
FINANCIAL PLUS CREDIT UNION Ottawa $192.55 22984
SELFRELIANCE UKRAINIAN AMERICAN FEDERAL CREDIT UNION Chicago $424.27 22482
NUMARK CREDIT UNION Joliet $163.50 21827
CHICAGO PATROLMEN’S FEDERAL CREDIT UNION Chicago $356.27 21750
STREATOR ONIZED CREDIT UNION Streator $162.57 21120
UNITED CREDIT UNION Chicago $145.39 19046
MEMBERS ALLIANCE CREDIT UNION Rockford $140.84 17955
ILLIANA FINANCIAL CREDIT UNION Calumet City $181.03 17838
KANE COUNTY TEACHERS CREDIT UNION Elgin $166.91 17430
CHICAGO MUNICIPAL EMPLOYEES CREDIT UNION Chicago $31.87 17165
COMMUNITY TRUST CREDIT UNION Gurnee $181.90 15473
SHELL COMMUNITY FEDERAL CREDIT UNION Wood River $100.35 15033
IAA CREDIT UNION Bloomington $175.56 14275
CENTRAL CREDIT UNION OF ILLINOIS Bellwood $79.43 13845
ROCK VALLEY FEDERAL CREDIT UNION Loves Park $75.47 13184
CORNERSTONE CREDIT UNION Freeport $98.80 13176
LACLEDE COMMUNITY CREDIT UNION Alton $64.28 12758
ILLINOIS COMMUNITY CREDIT UNION Sycamore $83.72 12734
CATHOLIC & COMMUNITY CREDIT UNION Shiloh $102.04 12218
STALEY EMPLOYEES CREDIT UNION Decatur $107.98 12182
MEADOWS CREDIT UNION Arlington Heights $116.15 12037
HAWTHORNE CREDIT UNION Naperville $120.39 11096
PREMIER CREDIT UNION Palatine $150.34 10826
REDBRAND CREDIT UNION Bartonville $50.09 10441
U. S. EMPLOYEES CREDIT UNION Chicago $76.90 10173
ISU CREDIT UNION Normal $83.37 9968
OAK TRUST CREDIT UNION Naperville $64.15 9833
COMMONWEALTH CREDIT UNION Bourbonnais $62.18 9722
LANDMARK CREDIT UNION Danville $57.11 9496
FIRST ILLINOIS CREDIT UNION Danville $39.11 9439
MEMBERS CHOICE CREDIT UNION Peoria $110.50 9263
ILLINOIS STATE POLICE FEDERAL CREDIT UNION Springfield $79.46 9077
FIRST FINANCIAL CREDIT UNION Skokie $58.38 8761
U.S.A. ONE NATIONAL CREDIT UNION Matteson $39.51 8075
ACCESS CREDIT UNION Broadview $62.01 8014
SOUTH DIVISION CREDIT UNION Evergreen Park $55.46 7712
NORTHSTAR CREDIT UNION Warrenville $75.99 7599
UNITED COMMUNITY CREDIT UNION Quincy $51.35 7528
MIDWEST OPERATING ENGINEERS CREDIT UNION Countryside $43.73 7486
SANGAMON SCHOOLS CREDIT UNION Springfield $45.61 7406
MID-ILLINI CREDIT UNION Bloomington $44.76 7163
NEW CENTURY FEDERAL CREDIT UNION Joliet $49.70 7135
ACME CONTINENTAL CREDIT UNION Riverdale $44.63 6946
SHERWIN WILLIAMS EMP. CREDIT UNION South Holland $30.75 6561
PRAIRIELAND FEDERAL CREDIT UNION Normal $52.26 6511
MCHENRY COUNTY FEDERAL CREDIT UNION Crystal Lake $38.58 6256
TAYLORVILLE COMMUNITY CREDIT UNION Taylorville $35.69 5813
MORRIS COMMUNITY CREDIT UNION Morris $29.94 5511
ALTONIZED COMMUNITY FEDERAL CREDIT UNION Alton $32.77 5455
BLACKHAWK AREA CREDIT UNION Savanna $30.33 5299
AIR LINE PILOTS ASSOCIATION FEDERAL CREDIT UNION Burr Ridge $179.67 5216
MEMBERS FIRST CREDIT UNION Quincy $36.93 5201
MAROON FINANCIAL CREDIT UNION Chicago $30.88 5191
LOYOLA UNIVERSITY EMPLOYEES FEDERAL CREDIT UNION Maywood $43.64 5183
GALE CREDIT UNION Galesburg $25.01 4823
PLANITES CREDIT UNION Chicago $28.73 4822
CHICAGOLAND ELECTRICAL INDUSTRY CREDIT UNION Willow Springs $17.81 4710
SELECT EMPLOYEES CREDIT UNION Sterling $32.29 4703
HEIGHTS AUTO WORKERS CREDIT UNION Chicago Heights $33.39 4696
GAS AND ELECTRIC CREDIT UNION Rock Island $57.99 4664
ROCKFORD BELL CREDIT UNION Loves Park $28.27 4664
CHICAGO FIREFIGHTER’S CREDIT UNION Chicago $43.70 4653
UTILITY EMPLOYEES CREDIT UNION Decatur $35.94 4624
CHICAGO POST OFFICE EMPLOYEES CREDIT UNION Chicago $16.74 4534
LEYDEN CREDIT UNION Franklin Park $69.28 4443
EDUCATION PERSONNEL FEDERAL CREDIT UNION Danville $39.95 4358
FIELDSTONE CREDIT UNION Bradley $35.44 4346
CENTRAL ILLINOIS CREDIT UNION Champaign $13.49 4253
NILES TOWNSHIP SCHOOLS CREDIT UNION Morton Grove $83.60 4235
BELL WEST COMMUNITY CREDIT UNION Oak Lawn $25.13 4193
NEW TRIER FEDERAL CREDIT UNION Kenilworth $26.16 4061
RIVERSIDE COMMUNITY CREDIT UNION Kankakee $26.05 3909
GALESBURG BURLINGTON CREDIT UNION Galesburg $44.57 3869
A.A.E.C. CREDIT UNION Arlington Heights $62.43 3768
77TH STREET DEPOT FEDERAL CREDIT UNION Chicago $15.76 3726
NORTH SIDE COMMUNITY FEDERAL CREDIT UNION Chicago $11.92 3476
STREATOR COMMUNITY CREDIT UNION Streator $22.00 3458
ADM CREDIT UNION Decatur $16.45 3402
ILLINOIS VALLEY CREDIT UNION Peru $25.04 3329
COMMUNITY PLUS FEDERAL CREDIT UNION Rantoul $14.30 3285
WINNEBAGO COUNTY SCHOOLS CREDIT UNION Rockford $15.01 3179
SDC EMPLOYEES CREDIT UNION Kankakee $13.33 3162
GREAT RIVER COMMUNITY CREDIT UNION Quincy $17.40 3129
ARCHER HEIGHTS CREDIT UNION Chicago $13.32 3093
CARLE EMPLOYEES FEDERAL CREDIT UNION Urbana $12.28 3024
AREA EDUCATIONAL CREDIT UNION Mattoon $23.39 3004
METRO FEDERAL CREDIT UNION Arlington Heights $34.52 2953
WESTERN ILLINOIS CREDIT UNION Macomb $14.59 2913
AMBRAW FEDERAL CREDIT UNION Lawrenceville $9.25 2908
TEE-PAK CREDIT UNION Danville $16.34 2887
ROCKFORD MUNICIPAL EMPLOYES CREDIT UNION Rockford $16.28 2825
NORTHWEST COMMUNITY CREDIT UNION Morton Grove $64.08 2792
FOX VALLEY CREDIT UNION Aurora $19.00 2753
MOLINE MUNICIPAL CREDIT UNION Moline $27.87 2751
DUPAGE COUNTY EMPLOYEES CREDIT UNION Wheaton $13.75 2713
HARVARD COMMUNITY CREDIT UNION Harvard $12.35 2702
NIU EMPLOYEES FEDERAL CREDIT UNION Dekalb $14.97 2684
ADVANTAGE ONE CREDIT UNION Morrison $17.98 2680
KONE EMPLOYEES CREDIT UNION Moline $19.13 2654
GENERATIONS CREDIT UNION Rockford $15.58 2643
CANALS & TRAILS CREDIT UNION Lockport $18.59 2633
CHICAGO FIREMANS ASSOC CREDIT UNION Chicago $14.98 2615
SALT CREEK CREDIT UNION Hinsdale $9.34 2604
ST. JAMES HOSPITAL EMPLOYEES FEDERAL CREDIT UNION Chicago Heights $9.59 2574
SYNERGY PARTNERS CREDIT UNION Chicago $13.30 2569
BENSENVILLE COMMUNITY CREDIT UNION Bensenville $18.20 2540
RIVER TO RIVER CREDIT UNION Vienna $14.02 2511
SIUE CREDIT UNION Edwardsville $17.63 2480
B.A.E. CREDIT UNION Barrington $36.61 2468
BLOOMINGTON MUNICIPAL CREDIT UNION Bloomington $20.03 2456
PEOPLES ENERGY CREDIT UNION Chicago $35.32 2445
ROCKFORD POSTAL EMPLOYEES CREDIT UNION Loves Park $16.74 2441
SANGAMO CHAPTER CREDIT UNION Springfield $10.26 2432
DECATUR MEDICAL DENTAL CREDIT UNION Decatur $12.29 2419
NORTH SIDE L FEDERAL CREDIT UNION Chicago $9.06 2411
KASKASKIA VALLEY CREDIT UNION Centralia $8.11 2349
MWRD EMPLOYEES CREDIT UNION Chicago $26.14 2344
OPERATING ENGINEERS LOCAL #148 CREDIT UNION Granite City $18.67 2315
CHICAGO AREA OFFICE FEDERAL CREDIT UNION Chicago $14.01 2298
SERVICES CREDIT UNION Naperville $0.22 2288
ENCORE FEDERAL CREDIT UNION Des Plaines $39.27 2260
VAMCO CREDIT UNION Des Plaines $13.91 2253
SPRINGFIELD CITY EMPLOYEES CREDIT UNION Springfield $9.36 2100
THREE RIVERS CREDIT UNION Mt Carmel $12.06 2092
BLAW-KNOX CREDIT UNION Mattoon $7.39 2076
PROCESSORS-INDUSTRIAL COMMUNITY CREDIT UNION Granite City $9.21 2072
NEW HORIZON CREDIT UNION Danville $10.64 2059
TAZEWELL COUNTY SCHOOL EMPLOYEES CREDIT UNION Pekin $26.38 2037
SOUTHERN ILLINOIS AREA CREDIT UNION Swansea $8.14 2020
IEC FEDERAL CREDIT UNION Springfield $12.85 2002
BURLINGTON NORTHERN SANTA FE RAILWY CREDIT UNION Cicero $6.62 1941
COGNIS CREDIT UNION Kankakee $12.48 1936
NORTHWEST MUNICIPAL FEDERAL CREDIT UNION Des Plaines $23.27 1901
GLENVIEW CREDIT UNION Glenview $13.82 1884
METROPOLITAN L FEDERAL CREDIT UNION Oak Park $6.42 1853
BAKELITE OTTAWA PLASTICS CREDIT UNION Ottawa $10.63 1845
SWEDISH AMERICAN FEDERAL CREDIT UNION Rockford $4.70 1810
FINANCIAL PARTNERS CREDIT UNION Springfield $8.21 1790
LIMITS DEPOT FEDERAL CREDIT UNION Chicago $10.14 1781
ALLSTEEL CREDIT UNION Oswego $18.95 1769
BLOOMINGTON POSTAL EMPLOYEES CREDIT UNION Bloomington $18.86 1767
SOURCEONE CREDIT UNION Chicago $12.84 1766
SERVICE PLUS CREDIT UNION Moline $20.47 1747
TRIANGLE CREDIT UNION Palos Heights $16.34 1743
DANVILLE BELL CREDIT UNION Danville $11.86 1734
FLOSSMOOR CREDIT UNION Homewood $7.24 1710
SOUTHWEST CHICAGO CHAPTER CREDIT UNION Chicago $18.02 1685
WESTERN ILLINOIS SCHOOL EMPLOYEES CREDIT UNION Quincy $18.36 1622
MACON CO SCHOOL EMPLOYEES FEDERAL CREDIT UNION Decatur $7.72 1597
CHAMPAIGN COUNTY SCHOOL EMPLOYEES CREDIT UNION Champaign $9.99 1594
AURORA POLICEMEN CREDIT UNION Aurora $10.77 1561
ST. ANTHONY HOSPITAL EMPLOYEE FEDERAL CREDIT UNION Rockford $3.58 1559
WRIGLEY ASSOCIATES CREDIT UNION Yorkville $14.03 1534
SCHOOL DISTRICT 40 EMPLOYEES CREDIT UNION Moline $14.49 1533
KEMBA PEORIA CREDIT UNION Peoria $7.44 1522
PANDUIT EMPLOYEES CREDIT UNION Tinley Park $8.69 1517
SOUTH SIDE COMMUNITY FEDERAL CREDIT UNION Chicago $3.07 1500
GENERAL MILLS EMPLOYEES CREDIT UNION Lansing $13.65 1484
CBI FEDERAL CREDIT UNION Plainfield $16.54 1471
VALLEY BELL CREDIT UNION Elgin $13.34 1456
ARMSTRONG PREFERRED MEMBERS FEDERAL CREDIT UNION Bourbonnais $5.21 1445
FUNERAL SERVICE CREDIT UNION Springfield $8.35 1445
DANVILLE CONSOLIDATED CREDIT UNION Danville $6.42 1442
UNITED METHODIST MINISTRIES CREDIT UNION Bloomington $4.17 1435
MATERNITY B.V.M. CREDIT UNION Bourbonnais $10.27 1426
C & NW PROVISO CREDIT UNION Northlake $2.46 1404
PEORIA POSTAL EMPLOYEES CREDIT UNION Peoria $10.75 1399
LITTLE COMPANY OF MARY EMPLOY CREDIT UNION Evergreen Park $4.81 1388
DIAL CREDIT UNION Montgomery $8.65 1360
MOLEX EMPLOYEES FEDERAL CREDIT UNION Lisle $6.43 1355
MOTOR COACH EMP. CREDIT UNION East St Louis $1.98 1346
EVERGREEN PARK SCHOOLS FEDERAL CREDIT UNION Evergreen Park $11.68 1326
PHONE-CO. CREDIT UNION Chicago $8.07 1313
JEFF-CO SCHOOLS FEDERAL CREDIT UNION Mt Vernon $6.80 1283
ROUTE 1 CREDIT UNION Paris $4.58 1266
PEORIA CITY EMPLOYEES CREDIT UNION Peoria $4.70 1261
S J H EMPLOYEES FEDERAL CREDIT UNION Springfield $1.77 1200
KANKAKEE TERMINAL BELT CREDIT UNION Kankakee $4.24 1189
SOUTHEASTERN ELECTRIC EMPLOYEES CREDIT UNION Harrisburg $7.24 1187
OTTAWA HIWAY CREDIT UNION Ottawa $8.02 1181
PONTIAC DWIGHT PRISON EMPLOYS CREDIT UNION Pontiac $5.00 1163
MORRISON COMMUNITY FEDERAL CREDIT UNION Morrison $4.95 1162
OAK LAWN MUNICIPAL EMPLOYEES CREDIT UNION Oak Lawn $3.60 1161
D’PUC CREDIT UNION Chicago $3.82 1102
PARIS HI-WAY CREDIT UNION Paris $7.61 1077
CHICAGO FIRE OFFICERS’ ASSOCIATION CREDIT UNION Chicago $8.34 1076
EFFINGHAM HIGHWAY CREDIT UNION Effingham $4.75 1070
TRINITY U.C.C. FEDERAL CREDIT UNION Chicago $3.17 1068
C T A S S & U FEDERAL CREDIT UNION Chicago $11.17 1047
IRSE CREDIT UNION Springfield $8.67 1044
A.S.H. EMPLOYEES CREDIT UNION Anna $4.04 1040
COMMUNITY HEALTHCARE CREDIT UNION Urbana $3.88 1037
MURRAY EMPLOYEES CREDIT UNION Centralia $5.56 1035
CARBONDALE HIGHWAY CREDIT UNION Carbondale $4.71 1027
KANKAKEE FEDERATION OF TEACHERS CREDIT UNION Kankakee $7.07 1025
PEORIA BELL CREDIT UNION Peoria $9.60 1024
QUAD CITIES POSTAL CREDIT UNION Moline $6.28 1020
SCHOOL DISTRICT 218 EMPLOYEES FEDERAL CREDIT UNION Oak Lawn $12.23 1012
DEKALB COUNTY CREDIT UNION Dekalb $6.55 1009
BEVERLY BUS GARAGE FEDERAL CREDIT UNION Chicago $3.89 1006
HOMETOWN CREDIT UNION Quincy $7.42 1002
CHICAGO AVENUE GARAGE FEDERAL CREDIT UNION Chicago $7.47 966
LAUHOFF EMPLOYEES CREDIT UNION Danville $5.72 966
SCHOOL DISTRICT #9 CREDIT UNION Granite City $6.17 966
HOMEWOOD FEDERAL CREDIT UNION Homewood $3.53 955
ELGIN MENTAL HEALTH CENTER CREDIT UNION Elgin $7.70 921
THORNTON TOWNSHIP HIGH SCHOOLS CREDIT UNION South Holland $9.09 917
CHAMPAIGN MUNICIPAL EMPLOYEES CREDIT UNION Champaign $4.81 907
DECATUR POSTAL CREDIT UNION Decatur $10.57 907
STATE EMPLOYEES CREDIT UNION Alton $5.77 902
FIRST SECURITY CREDIT UNION Lincolnwood $4.36 894
ELECTRIC ENERGY INC EMPLOYEES CREDIT UNION Metropolis $2.42 881
MILLEDGEVILLE COMMUNITY CREDIT UNION Milledgeville $4.35 876
BRANCH 825 N.A.L.C. CREDIT UNION Oak Brook $2.14 823
QUINCY POSTAL EMPLOYEES CREDIT UNION Quincy $2.55 791
KANKAKEE COUNTY FEDERAL EMP FEDERAL CREDIT UNION Kankakee $4.87 787
WESTERN SPRINGS FEDERAL CREDIT UNION Western Springs $3.18 787
KEDZIE AVENUE DEPOT FEDERAL CREDIT UNION Chicago $3.47 777
JOLIET MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Joliet $6.04 771
DEL MONTE EASTERN REGION EMPLOYEES FEDERAL CREDIT UNION Rochelle $2.58 764
ELECTRICAL WORKERS CREDIT UNION Collinsville $2.52 763
A.C. JAACKS CREDIT UNION Calumet City $3.43 759
UPWA, DISTRICT #1 AREA 5 CREDIT UNION Chicago $0.83 754
PEORIA JOURNAL STAR CREDIT UNION Peoria $2.59 751
ALDERSGATE FEDERAL CREDIT UNION Marion $3.18 749
74TH STREET DEPOT FEDERAL CREDIT UNION Chicago $8.07 743
AMERICAN NICKELOID EMPLOYEES CREDIT UNION Lasalle $10.05 743
PARISH MEMBERS CREDIT UNION Metamora $3.67 736
DECATUR STANOLIND CREDIT UNION Decatur $4.49 718
CSX CHICAGO TERMINAL CREDIT UNION Calumet City $6.52 712
URBANA MUNICIPAL EMPLOYES CREDIT UNION Urbana $2.61 706
CTA – C AND M FEDERAL CREDIT UNION Chicago $1.76 705
ROMEOVILLE COMMUNITY CREDIT UNION Romeoville $3.27 701
R I D FEDERAL CREDIT UNION Rock Island $3.86 691
WILLIAMSON COUNTY CATHOLIC CREDIT UNION Herrin $1.65 673
C. T. COMMUNITY CREDIT UNION Fairmont City $1.80 664
MADCO CREDIT UNION Edwardsville $1.37 662
MERCER CREDIT UNION Aledo $2.51 653
PEORIA HIWAY CREDIT UNION Peoria $2.27 648
B.E.A. CREDIT UNION Bethalto $4.10 642
I.B.E.W. LOCAL #146 CREDIT UNION Decatur $3.18 626
NORMAL CITY EMPLOYEES FEDERAL CREDIT UNION Normal $3.41 604
HERSHEY ROBINSON EMPLOYEES CREDIT UNION Robinson $3.09 600
C T A F C FEDERAL CREDIT UNION Chicago $1.08 580
ETHICON SUTURE CREDIT UNION Chicago $0.86 573
HAULPAK FEDERAL CREDIT UNION Peoria $2.49 566
BLOOM TOWNSHIP HIGH SCHOOL CREDIT UNION Chicago Heights $2.99 559
ALTON BELL COMMUNITY CREDIT UNION Alton $2.84 558
QUINCY MUNICIPAL CREDIT UNION Quincy $3.40 557
CTA SOUTH FEDERAL CREDIT UNION Chicago $0.96 556
AURORA POSTAL EMPLOYEES CREDIT UNION Aurora $1.97 535
A M CASTLE EMPLOYEES FEDERAL CREDIT UNION Franklin Park $1.86 529
AURORA FIREFIGHTERS’ CREDIT UNION Aurora $1.82 514
CF INDUSTRIES INC. EMPLOYEES FEDERAL CREDIT UNION Deerfield $2.11 511
JOLIET FIREFIGHTERS CREDIT UNION Joliet $4.59 505
SALEM SCHOOL SYSTEM CREDIT UNION Salem $2.24 499
M.W.P.H. GRAND LODGE OF ILLINOIS FEDERAL CREDIT UNION Chicago $0.45 494
CHAMPAIGN POSTAL CREDIT UNION Champaign $1.93 486
COLLEGE AND UNIVERSITY CREDIT UNION Chicago $1.37 480
CANAAN CREDIT UNION Urbana $0.13 475
ALTON & SOUTHERN RAILROAD EMP FEDERAL CREDIT UNION East St Louis $1.17 451
SILGAN WHITE CAP CREDIT UNION Downers Grove $2.64 450
ST. MARK CREDIT UNION Chicago $0.78 437
FELLOWSHIP BAPTIST CHURCH CREDIT UNION Chicago $0.97 435
TINLEY FOREST EMPLOYEES CREDIT UNION Oak Forest $2.62 435
SCHOOL DISTRICTS 162/163 EMPLOYEES FEDERAL CREDIT UNION Park Forest $1.82 434
PEORIA U S EMPLOYEES FEDERAL CREDIT UNION Peoria $2.28 426
S M H FEDERAL CREDIT UNION Peru $0.78 422
TAZEWELL COUNTY GOVERNMENT EMP CREDIT UNION Pekin $1.79 419
TAYLORVILLE SCHOOL EMPLOYEES CREDIT UNION Taylorville $1.94 410
PARK MANOR CHRISTIAN CHURCH CREDIT UNION Chicago $1.01 403
I W U FEDERAL CREDIT UNION Bloomington $3.16 400
UTILITY EMP LASALLE SERV AREA CREDIT UNION Lasalle $1.79 376
COMPACTION AMERICA FEDERAL CREDIT UNION Kewanee $3.00 375
PEORIA FIRE FIGHTERS CREDIT UNION Peoria $3.98 375
PEOPLE’S COMMUNITY CREDIT UNION Lasalle $1.38 373
DECATUR POLICEMEN CREDIT UNION Decatur $3.98 364
DISTRICT 123 FEDERAL CREDIT UNION Oak Lawn $3.34 358
SORENG EMPLOYEES CREDIT UNION Carol Stream $1.24 358
SPRINGFIELD FIREFIGHTERS CREDIT UNION Springfield $3.51 356
HEALTH CARE ASSOCIATIONS FEDERAL CREDIT UNION Chicago $1.58 355
REAVIS – STICKNEY CREDIT UNION Burbank $0.97 339
EGYPTIAN CREDIT UNION Collinsville $1.80 332
URBANA POSTAL CREDIT UNION Urbana $1.01 328
N.I.C.E. FEDERAL CREDIT UNION St Charles $1.40 323
WAUKEGAN MUNICIPAL EMPLOYEES CREDIT UNION Waukegan $0.89 322
UNITED CATHOLIC CREDIT UNION Granite City $1.14 319
CPT CREDIT UNION Des Plaines $0.96 312
IBEW LOCAL B-649 CREDIT UNION Alton $2.02 312
ALTON MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Alton $0.58 309
MENARD CREDIT UNION Chester $0.36 300
CLIFFORD-JACOBS EMPLOYEES CREDIT UNION Champaign $2.29 279
MT. ZION CREDIT UNION Zion $0.21 270
CARUS EMPLOYEES CREDIT UNION Peru $0.51 269
HOLY FAMILY OGLESBY FEDERAL CREDIT UNION Oglesby $0.51 260
ELECTROPOWER CREDIT UNION East St Louis $0.63 254
ELECTROGAS CREDIT UNION Alton $1.25 247
GIDEON FEDERAL CREDIT UNION Waukegan $0.22 245
BEREAN CREDIT UNION Chicago $0.10 236
ST. HELENA PARISH CREDIT UNION Chicago $0.08 228
COMMUNITY FEDERAL CREDIT UNION Chicago $0.13 224
ISRAEL METHCOMM FEDERAL CREDIT UNION Chicago $0.99 220
COMMANDING OFFICERS AND SERGEANTS CREDIT UNION Chicago $0.36 216
SHILOH BAPTIST FEDERAL CREDIT UNION Waukegan $0.33 208
MARION MEMORIAL HOSPITAL CREDIT UNION Marion $0.18 207
CASEYVILLE TOWNSHIP COMMUNITY CREDIT UNION Fairview Heights $0.56 205
BALL ELGIN FEDERAL CREDIT UNION Elgin $0.99 201
CERROBRASS CREDIT UNION East St Louis $0.54 189
UNIFIED HOMEOWNERS OF ILLINOIS FEDERAL CREDIT UNION Chicago $0.27 189
EVANSTON FIREMENS CREDIT UNION Evanston $1.68 183
PERU MUNICIPAL CREDIT UNION Peru $0.37 177
ST. JUDE CREDIT UNION Chicago $0.55 176
ST. GREGORY PARISH CREDIT UNION Chicago $0.36 173
FEDERAL LIFE EMPLOYEES CREDIT UNION Riverwoods $0.96 168
IMPERIAL CREDIT UNION Springfield $0.03 167
ANTIOCH MB FEDERAL CREDIT UNION Decatur $0.16 166
PILGRIM BAPTIST CREDIT UNION Chicago $0.39 165
FREEPORT CITY EMPLOYEES CREDIT UNION Freeport $0.54 160
SHILOH ENGLEWOOD FEDERAL CREDIT UNION Chicago $0.22 160
ST. ELIZABETH’S CREDIT UNION Chicago $0.18 160
CHICAGO HEIGHTS STEEL CREDIT UNION Chicago Heights $0.91 152
MEA CREDIT UNION Monticello $0.25 144
WIN-HOOD CO-OP CREDIT UNION Chicago $2.01 142
BETHEL A.M.E. CHURCH CREDIT UNION Chicago $0.07 141
ROCKFORD NEWSPAPERS CREDIT UNION Rockford $0.35 141
RESURRECTION LUTHERAN FEDERAL CREDIT UNION Chicago $0.22 140
ST. MARTIN DE PORRES PARISH FEDERAL CREDIT UNION Chicago $0.24 139
COSMOPOLITAN FEDERAL CREDIT UNION Chicago $0.20 138
NAIL WORKERS CREDIT UNION Spring Valley $0.54 127
MCMILLEN MASTER CREDIT UNION Gibson City $0.31 123
GREATER INSTITUTIONAL A.M.E. CHURCH CREDIT UNION Chicago $0.08 113
METRO FELLOWSHIP FEDERAL CREDIT UNION Chicago $0.13 109
GOOD SHEPHERD CREDIT UNION Chicago $0.06 108
DIXON CITY EMPLOYEES FEDERAL CREDIT UNION Dixon $0.29 102
NYC EMPLOYEES CREDIT UNION Harrisburg $0.12 98
WATER COMPANY EMPLOYEES CREDIT UNION Collinsville $0.22 96
HANNA EMPLOYEES CREDIT UNION Libertyville $0.19 83
BAGUMBAYAN CREDIT UNION Chicago $0.04 73
MONUMENTAL CREDIT UNION Chicago $0.05 68
D-B EMPLOYEES CREDIT UNION Marion $0.29 47
CHICAGO FAUCET FEDERAL CREDIT UNION Des Plaines $0.29 46
AECO FEDERAL CREDIT UNION Chicago $0.28 34
CHICAGO LEE FEDERAL CREDIT UNION Chicago $0.00 1

Student Loans in Illinois of January 2025

Monetary Award Program (MAP)

The Monetary Award Program (MAP) is a grant that offers to fund students who attend approved Illinois colleges and universities. When applying, you don’t need to submit your high school test scores, and awards are available to adults and non-traditional students. Also, amounts are determined by its MAP formula, and the neediest students usually receive the most funding.

To qualify:

  • You must be a U.S. citizen or eligible non-citizen and be an Illinois resident.
  • You must be enrolled for at least 3 credit hours per term at an approved institution.
  • You must not already have a bachelor’s degree.
  • You must not default on a previous student loan or owe a state or federal grant refund.
  • You must not have used the equivalent of 135 MAP Paid Credit Hours or more.

Federal Housing Administration (FHA) Loans in Illinois of January 2025

Across Illinois, there are 102 counties where you can apply for an FHA loan. The lowest loan amount of $314,827 is available in 91 counties, while the highest loan amount of $707,700 is available in 9 counties.

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
Adams County $331,760 $638,100
Alexander County $331,760 $638,100
Bond County $331,760 $638,100
Boone County $339,250 $652,400
Brown County $331,760 $638,100
Bureau County $331,760 $638,100
Calhoun County $331,760 $638,100
Carroll County $331,760 $638,100
Cass County $331,760 $638,100
Champaign County $331,760 $638,100
Christian County $331,760 $638,100
Clark County $331,760 $638,100
Clay County $331,760 $638,100
Clinton County $331,760 $638,100
Coles County $331,760 $638,100
Cook County $368,000 $707,700
Crawford County $331,760 $638,100
Cumberland County $331,760 $638,100
De Witt County $331,760 $638,100
Dekalb County $368,000 $707,700
Douglas County $331,760 $638,100
Dupage County $368,000 $707,700
Edgar County $331,760 $638,100
Edwards County $331,760 $638,100
Effingham County $331,760 $638,100
Fayette County $331,760 $638,100
Ford County $331,760 $638,100
Franklin County $331,760 $638,100
Fulton County $331,760 $638,100
Gallatin County $331,760 $638,100
Greene County $331,760 $638,100
Grundy County $368,000 $707,700
Hamilton County $331,760 $638,100
Hancock County $331,760 $638,100
Hardin County $331,760 $638,100
Henderson County $331,760 $638,100
Henry County $331,760 $638,100
Iroquois County $331,760 $638,100
Jackson County $331,760 $638,100
Jasper County $331,760 $638,100
Jefferson County $331,760 $638,100
Jersey County $331,760 $638,100
Jo Daviess County $331,760 $638,100
Johnson County $331,760 $638,100
Kane County $368,000 $707,700
Kankakee County $331,760 $638,100
Kendall County $368,000 $707,700
Knox County $331,760 $638,100
Lake County $368,000 $707,700
Lasalle County $331,760 $638,100
Lawrence County $331,760 $638,100
Lee County $331,760 $638,100
Livingston County $331,760 $638,100
Logan County $331,760 $638,100
Macon County $331,760 $638,100
Macoupin County $331,760 $638,100
Madison County $331,760 $638,100
Marion County $331,760 $638,100
Marshall County $331,760 $638,100
Mason County $331,760 $638,100
Massac County $331,760 $638,100
Mcdonough County $331,760 $638,100
Mchenry County $368,000 $707,700
Mclean County $331,760 $638,100
Menard County $331,760 $638,100
Mercer County $331,760 $638,100
Monroe County $331,760 $638,100
Montgomery County $331,760 $638,100
Morgan County $331,760 $638,100
Moultrie County $331,760 $638,100
Ogle County $331,760 $638,100
Peoria County $331,760 $638,100
Perry County $331,760 $638,100
Piatt County $331,760 $638,100
Pike County $331,760 $638,100
Pope County $331,760 $638,100
Pulaski County $331,760 $638,100
Putnam County $331,760 $638,100
Randolph County $331,760 $638,100
Richland County $331,760 $638,100
Rock Island County $331,760 $638,100
Saline County $331,760 $638,100
Sangamon County $331,760 $638,100
Schuyler County $331,760 $638,100
Scott County $331,760 $638,100
Shelby County $331,760 $638,100
St. Clair County $331,760 $638,100
Stark County $331,760 $638,100
Stephenson County $331,760 $638,100
Tazewell County $331,760 $638,100
Union County $331,760 $638,100
Vermilion County $331,760 $638,100
Wabash County $331,760 $638,100
Warren County $331,760 $638,100
Washington County $331,760 $638,100
Wayne County $331,760 $638,100
White County $331,760 $638,100
Whiteside County $331,760 $638,100
Will County $368,000 $707,700
Williamson County $331,760 $638,100
Winnebago County $339,250 $652,400
Woodford County $331,760 $638,100

Business Loans in Illinois of January 2025

If you’re looking to expand your business, the online lenders below offer reliable service and competitive rates.

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Illinois:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Illinois:

Yes
Get started

However, for a local alternative in Illinois, consider:

Accion Chicago

Accion Chicago is a non-profit lender that offers customized capital solutions and business training to entrepreneurs in Illinois. You can borrow up to $100,000 with repayment terms of up to 10 years. APRs are fixed, and eligible businesses include service, retail, wholesale, and manufacturing. However, non-profit organizations and businesses involved in real estate development, exporting, multi-level marketing, adult entertainment, and lending are not eligible.

You can visit the Accion Chicago office at 1436 W. Randolph St. Suite 300 Chicago, IL 60607. You can also call them at (312) 275-3000 or email them at info@accionchicago.org.

Conclusion

For installment loans in Illinois, the state adopts a tiered interest rate structure. For loans of $4,000 or less, APRs are capped at 99%. For loans of $4,001 to $40,000, APRs are capped at 36%. However, the APR caps exclude car title and payday loans, with 300% and 400% APRs, respectively. About amounts, payday loans are capped at $1,000 or 25% of your gross monthly income. For car title loans, amounts are capped at $4,000, as long as monthly payments do not exceed 50% of your gross monthly income. Rollovers are prohibited for payday loans while refinancing for car title loans is only allowed after reduced principal by at least 20%. Moreover, the new loan amount cannot exceed the total outstanding balance of the original loan.

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