Decatur Payday Loans

Getting a Payday Cash Advance in Decatur, IL has never been easier!


Our Decatur lenders are ready to help you pay bills. Just follow the simple application and you can have money in your account tomorrow!


  • Get Approved in Minutes
  • Money in your Account Tomorrow
  • Easy Application Process
  • Safe, Secure and Confidential


We have been working with payday loans and payday lenders in Decatur, Illinois for many years, so we know how to help consumers like you pay bills and medical expenses on time!

Illinois Payday Loan Regulations:


Payday Loan Maximum - lesser of $1000 or 25% gross monthly income
Loan Term Length - 13-45 days
Maximum Finance Rates - $15.50 per $100
Charge for a 14-day $100 loan - $15.50
APR for a 14-day $100 loan - 403%


Payday Loans in Decatur



Serving Decatur Zip Codes: 62521, 62522, 62523, 62524, 62525, 62526, 62527,


Cash Store
(217) 864-6400
4705 E Maryland St
Decatur, IL 62521
Cash Store
(217) 872-0124
153 E Pershing Rd
Decatur, IL 62526
Americas Financial Choice
(217) 876-0123
1043 E Eldorado St
Decatur, IL 62521
First Payday Loans
(217) 877-5341
2950 Main St
Decatur, IL 62526
First Payday Loans
(217) 391-1100
2126 S Macarthur Blvd
Springfield, IL 62704
AmeriCash Loans
(844) 337-2804
908 W Town Center Blvd
Champaign, IL 61822
Cash Store
(217) 824-8444
119 W Park St
Taylorville, IL 62568
Cash Store
(217) 492-1172
2512 N Dirksen Pkwy
Springfield, IL 62702
Cash Store
(217) 235-0077
142 Dettro Dr
Mattoon, IL 61938
First Payday Loans
(217) 321-1500
121 N Grand Ave E
Springfield, IL 62702
Floyd Agency
(217) 619-0184
2805 N Jasper St
Decatur, IL 62526


Payday Loan Tips That Can Work For You

Tips for Decatur Payday Loan Consumers


You must have already asked yourself if it was something legitimate if you've heard of payday loans. You may be curious if getting a payday loan is as easy as it sounds, and if it is right for you. The information contained in this article can educate you about payday loans so that you can make an informed choice when deciding about a payday loan. Keep on reading.


Call around and find out interest fees and rates. Not all, although most payday loan companies in Decatur, IL have similar interest and fees rates. You may be able to save ten or twenty dollars on your loan if one company offers a lower interest rate. If you often get these loans, the savings will add up.


Many loan companies in Decatur, IL can make consumers sign agreements that will protect lenders in Decatur in any dispute. The loan amount cannot be discharged in a borrower's bankruptcy. The recipient must also agree to refrain from taking legal action against the lender if they are unhappy with some aspect of the agreement.


The number one rule regarding payday loans is to only borrow what you know you can pay back. For instance, a payday loan company may offer you a certain amount because your income is good, but you may have other commitments that prevent you from paying the loan back. Generally, it is wise to take out the amount you can afford to pay back once your bills are paid.


Whenever you apply for a payday loan, make sure you have your most-recent pay stub to prove that you are employed. You should also have your latest bank statement to prove that you have a current open checking account. While not always required, it will make the process of getting a loan much easier.


Do not get a loan for any more than you can afford to pay back on your next pay period. This is a good idea so that you can pay your loan back in full. You do not want to pay in installments because the interest is so high that it will make you owe much more than you borrowed.


Don't overuse payday loans. You should use a payday loan as a last resort and you should contemplate financial counseling. It is often the case that payday loans and short-term financing options have contributed to the need to file bankruptcy. Be aware that it might be most prudent to avoid taking out even one payday loan.


Whenever applying for a payday loan, make sure that all the information you provide is accurate. Often times, things like your employment history, and residence can be verified. Make sure that all your information is correct. You can avoid getting declined for your payday loan, leaving you helpless.


Try not to get caught in a vicious cycle of debt. Don't get a payday loan and immediately get another. It is essential to break free of the routine, even if doing so requires sacrifices. This cycle is easy to repeat so make sure to put in the effort to put an end to it. This could cost you a good deal of money within a short amount of time.


Whenever you are filling out an application for a payday loan, you should always look for some sort of writing that says your information will not be sold or shared with anyone. Some payday lending sites will give important information away such as your address, social security number, etc. so make sure you avoid these companies in Decatur, IL.


If you are worried about how a payday loan will affect your credit report, try to find a payday loan lender that does not have a credit requirement. This is a good option for those who have poor credit or no credit as well as those who want this loan to stay off their report.


The best companies in Decatur, IL will be upfront regarding fees and interest. Don't go with a company that doesn't disclose their fees upfront. Ensure your bank account has enough money to pay the loan off on its due date.


Ensure you know all of the options when you are getting a payday loan. Consider getting your creditbank and union, family or friends to lend you money before settling on a payday loan. It is best to avoid payday loans at all costs.


Choosing a reputable loan company is of utmost importance. Check out the company with the Better Business Bureau to make sure they don't have a history of shady business practices, such as intimidating debt collectors. A legitimate payday loan company will probably just make you pay back a bigger amount if you do not pay on time.


Only take out a payday loan in an amount that you're able to pay back. Always err on the side of caution so that you can plan for the worst case scenario. Borrowing too much can cause you to overextend your finances and reduce the spending power of your paycheck for weeks to come.


You should find out how much time you have to pay your loan back. If you do not make your payments in time, in some cases, you will be charged an additional fee. Some lending institutions will charge you ridiculously high hidden fees if you cannot pay your loan back on time.


Have you seen ads on TV for no credit loans? Having bad credit can prevent you from getting a new line of credit. No credit is not the same as bad credit. Before you sign up for a payday loan, consider how your credit will impact your application.


Think about your reaction to the last time you got money from a source to help you out with your finances. What were your feelings when you received the money? Did you feel like a load was taken off? Or did you get an emotional high that you had just scored fast money? If you experience something like a high from getting a loan, you may be addicted to getting them.


Since you've read this article, the next step is to get the ball rolling. If you have proper information about them, Payday loans can be good things. Apply the advice from this article and you will be on your way to making a confident decision about whether a payday loan is right for you.


Decatur Payday Advance Lender

Receiving a Payday Loan in Illinois has never been easier! Our process is safe and secure. That's why people choose USAPaydayLoansQuickly.com for their advance loan needs! - Apply Now!


Other Illinois Payday Loan Locations:
Bloomington, North Chicago, Glendale Heights, Orland Park, Oak Lawn, Berwyn,

Qualify Now

Applying for a payday advance could never be easier. With our simple 2-step process, your application will be approved quickly!

Fast Approval

Once you have submitted your information, our agents will begin to qualify your application. You will receive notice usually within a few hours.

Secure Form

Security online is more important than ever. Our website is secured with SSL, which means your data is safe and encrypted from prying eyes.