Illinois Payday Loans and Cash Advances

Caught short between paychecks?
Our payday loans can help!

In Illinois, think Check `n Go when you have bills or other money needs that can’t wait. We’re a trusted lending resource for payday loans and installment payday loans – online and at nearly fifty Illinois store locations. Our stores also offer check cashing and the Netspend Prepaid Mastercard®

Wherever you are in Illinois, chances are there’s a Check `n Go store nearby. Stop by one of nearly 50 locations in the state to apply for a payday loan or installment payday loan. At our stores, payday loans range from $50 to $865 and installment payday loans are available from $200 to $2500. Stop by to apply and one of our friendly associates will be happy to answer your questions. If your loan is approved, you could receive your money the same day.

Is it more convenient for you to apply online? Check `n Go offers an online application as well – with payday loans ranging from $100 to $865 and installment payday loans from $1000 to $2500. If you are approved online, your loan funds could be deposited to your checking account as soon as the next business day.

Apply onlineor start your store application now and finish in-store. To apply, you will need at least a valid ID, proof of income, an active checking account and a working phone number – call your store first to confirm.

Locations

Privacy & Security

Whether online, over the phone, or at our neighborhood locations, we set the industry standard for integrity and security.

Learn More.

Illinois Installment Payday Loan Rates and Terms

Availability of Installment Payday Loans

Check `n Go offers installment payday loans online and at a store location near you. Click here to find a location near you.

Governing Law

The loan agreement will be governed by the applicable laws of Illinois.  Questions or complaints should be directed to your state’s regulatory agency.

Maximum Loan Amount

The maximum online payday loan amount for Illinois residents is $2500.

Fax of Pay Stub

Illinois requires that all Illinois customers have their most recent pay stub on file with Check `n Go when receiving a payday installment loan.  For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Installment Payday Loan Terms

For a Check `n Go online installment payday loan, the maximum loan term is 150 days and for a store installment payday loan, the maximum loan term is 180 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Illinois state law mandates a seven day cooling off period after a customer has been in a payday loan product for 45 consecutive days.

Illinois state law mandates a 14 day cooling off period after a customer has paid an extended payment plan and any transaction that was outstanding during the extended payment plan period.

Illinois Payday Loan Rates and Terms

Availability of Payday Loan

Check `n Go offers payday loans both online and at a store location near you. Click here to find a store location near you.

Governing Law

The loan agreement will be governed by the applicable laws of Illinois. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Payday Loan Amount

Need cash advances in Illinois? An Illinois loan from Check ’n Go can get you the money you need in a hurry, whatever your emergency. In Illinois, payday loans are available for up to $865 with a 35-day term limit.

Documentation
  • Fax of Pay Stub
Illinois regulation states that all Illinois customers have their most recent pay stub on file with Check ’n Go when receiving a payday loan. For online customers, please fax or e-mail Check ’n Go your latest pay stub when applying to ensure timely 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 (800) 723-7032 or via email to customerservice@www.checkngo.com. When applying for a payday loan at a store location, please take the above documentation with you.
Payday Loan Terms

For a Check `n Go online installment payday loan, the maximum loan terms is 150 days and for a store installment payday loan the maximum loan term is 180 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Illinois state law mandates a 7 day cooling off period after a customer has been in a payday loan product for 45 consecutive days.

Illinois state law mandates a 14 day cooling off period after a customer has paid an extended payment plan and any transaction that was outstanding during the extended payment plan period.

Extensions
  • Extended Payment Plan
A customer who has an outstanding payday transaction for 35 or more consecutive days may request an extended payment plan
Finance Schedule

Qualifications

  • A regular, verifiable source of income
  • An active checking account
  • A working phone

Requirements

  • Your most recent pay stub OR your most recent bank statement
  • Your checkbook
  • Driver’s License or government -issued photo ID
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Online Disclosures

Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Texas loans are originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al., and expires 12/31/2020.

Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

*Approval depends upon meeting legal, regulatory and underwriting requirements. Online applications completed and approved prior to 8 pm (ET) can have funds as soon as the next business day. Retail applications completed online can obtain a "Conditional Approval" at any time. Retail locations can provide funds, upon approval, during regular business hours. Check https://locations.checkngo.com/index.html for detail on store information. All times and dates are based on Eastern Time (ET). Online amounts may vary by state. Please see the website for details. All products and service options are subject to change without notice. Check `n Go may report customer loan information to one or more credit reporting agencies. Late payments, missed payments and other events of default may be reflected in customer credit reports. See checkngo.com for details.

We do not report credit in Ohio, Texas or Illinois.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Oklahoma, South Carolina, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Oklahoma, Ohio, Rhode Island, Tennessee, Texas, Utah, and Wisconsin.

Notice to California consumers: In order to process credit applications, service accounts, and provide the best online and in-store experience, Check ‘n Go collects various categories of information on consumers during the application process. Categories of information may include internet protocol address, internet and network information, geolocation data, and inferences drawn from this information.

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