Aurora Short-term Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in Illinois.

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Eligibility Criteria for Personal Loans

  • Must be a registered member of the NGO for at least 6 months.
  • Proof of recent income or financial statement is required.
  • Identification documents such as a government-issued ID.
  • Completed application form with all necessary details.
  • Valid reason for the cash advance request, aligned with NGO's objectives.
  • Bank account details for direct deposit of funds.
  • Maximum advance amount based on membership level and financial need.
  • Agreement to the repayment terms and conditions set by the NGO.

Trusted Short-term Loan Lenders in Aurora, IL

Discover our curated list of trusted payday loan lenders, committed to providing transparent services and assisting those in need with responsible lending solutions tailored to fit various financial circumstances.

Lender
User Ratings
Address
Phone
Category
DolEx Dollar Express
User Raiting:
5.00
Address: 354 W Indian Trail, Aurora, IL 60506
Phone: +1 (800) 892-0210
Category: Financial institution
World Finance
User Raiting:
4.90
Address: 2150 W Galena Blvd Suite C, Aurora, IL 60506
Phone: +1 (630) 820-3863
Category: Loan agency
Fast Cash And Pawn Shop
User Raiting:
4.90
Address: 1669 Montgomery Rd Ste 5, Aurora, IL 60504
Phone: +1 (630) 236-0045
Category: Financial institution
Oportun
User Raiting:
4.80
Address: 1248 N Lake St, Aurora, IL 60506
Phone: +1 (331) 481-8826
Category: Loan agency
AmeriCash Loans
User Raiting:
4.00
Address: 848 Illinois Rte 59, Aurora, IL 60504
Phone: +1 (630) 236-9777
Category: Loan agency
OneMain Financial
User Raiting:
3.60
Address: 1555 Butterfield Rd Ste 115, Aurora, IL 60502
Phone: +1 (630) 896-1081
Category: Loan agency

What Are the Alternatives for Short-term Loans in Aurora?

Explore viable alternatives to payday loans that offer financial relief without the high costs. Discover manageable solutions that pave the way for financial stability and informed decision-making.

Installment Loans Fast

Installment loans are repaid through regular, scheduled payments over a set term, offering a structured way to manage debt and finances.

Instant Cash Loans

Instant cash loans provide a rapid financial solution, offering quick access to funds for immediate needs without extensive application processes.

Title Loans Quick

Quick title loans use your vehicle's title as collateral, allowing you to borrow money while still driving your car, often without a lengthy approval process.

Emergency Loans Online

Online emergency loans are designed to cover unforeseen expenses or urgent financial needs, providing fast access to funds during critical situations.

No Credit Check Payday Loans Online

Payday loans online with no credit check offer short-term financial assistance, depositing funds directly into your account to help bridge income gaps.

Guaranteed P2P Loans

Guaranteed peer-to-peer (P2P) loans connect borrowers with individual lenders through an online platform, offering flexible loan options without traditional bank involvement.

Debt Consolidation Loans Quick

Quick debt consolidation loans streamline multiple debts into a single monthly payment, often at a lower interest rate, simplifying financial management.

Bad Credit Loans No Credit Check

Bad credit loans with no credit check provide borrowing options for individuals with poor credit histories, focusing on alternative approval criteria.

How to Apply for Online Short-term Loans in Aurora

Research and Compare Lenders

Begin by researching various online payday lenders. Look for reputable companies with positive reviews and transparent terms. Compare the interest rates, repayment terms, and additional fees of each lender. It's crucial to ensure the lender is licensed and adheres to state regulations. Online forums and review platforms can be useful resources to gauge the lender's reliability. By taking the time to compare different options, you can find a loan that best fits your financial needs and situation.

Check Eligibility Criteria

Before applying, verify the eligibility criteria for each lender. Most lenders require you to be at least 18 years old, have a steady income, and hold an active checking account. Some lenders may also check your credit score. Ensure you meet all the requirements to avoid rejection. Understanding the criteria can save time and help you make informed decisions. Make a list of lenders whose criteria you meet, and focus your applications on those options for better chances of approval.

Gather Required Documents

Prepare all necessary documentation beforehand to streamline the application process. Most payday loan applications require proof of income, such as pay stubs or bank statements, proof of identity, and proof of residency. Having digital copies of these documents ready will save you time when completing the application. Ensure all information is up-to-date and accurate to prevent delays in processing. This preparation will make the application smoother and increase the likelihood of receiving the loan swiftly.

Complete the Online Application

Fill out the online application form on the lender's website. Enter your personal, employment, and financial information accurately. Many applications are straightforward and can be completed within minutes. Double-check all entries for mistakes to avoid potential delays. Some lenders offer instant decisions, so be prepared to agree to the terms if you're approved. Read through the terms and conditions carefully before submitting your application to ensure you understand the loan agreement and any associated fees.

Review and Accept Loan Terms

Once approved, carefully review the loan agreement provided by the lender. Take note of the interest rate, repayment schedule, and any fees associated with the loan. Ensure the terms are clear and agreeable before accepting the offer. If any part of the agreement is unclear, contact the lender for clarification. Accepting the loan terms signifies your commitment to the repayment schedule, so ensure you are comfortable with the conditions. After acceptance, the loan amount is typically deposited into your account quickly.

How to Use Short-term Loans - Useful Resources

Explore essential resources on effectively utilizing personal loans, ensuring financial stability while accessing emergency funds. Learn best practices and responsible borrowing to manage short-term financial needs efficiently.

Industry
Address
Phone
American Restaurant
Address: 1395 Butterfield Road, Aurora, IL 60502
-
Car Repair and Service
Address: 2944 Weber Drive, Aurora, IL 60502
Phone: +1 (630) 820-2447
Club & Association
Address: 416 High Street, Aurora, IL 60505
Phone: +1 (630) 898-9729
College/University
Address: 2942 Ogden Avenue, Aurora, IL 60504
Phone: +1 (630) 689-9889
Community Center
Address: 1805 Church Road, Aurora, IL 60505
Phone: +1 (630) 898-2421
Concert Hall
Address: 360 North Broadway, Aurora, IL 60505
-
Construction Material & Equipment
Address: 1580 Kathy Court, Aurora, IL 60504
Phone: +1 (630) 520-1466
Dentist
Address: 1704 North Farnsworth Avenue, Aurora, IL 60505
Phone: +1 (630) 851-1867
Government Office
Address: Kautz Road, Aurora, IL 60504
-
Hospital
Address: 66 Miller Drive, North Aurora, IL 60542
Phone: +1 (630) 907-9165
Hotel
Address: 306 South Lincolnway, North Aurora, IL 60542
Phone: +1 (630) 229-0180
Library
Address: 113 Oak Street, North Aurora, IL 60542
Phone: +1 (630) 896-0240
Local Post Office
Address: 3900 Gabrielle Lane, Aurora, IL 60598
Phone: +1 (630) 585-2430
Museum
Address: 317 Cedar Street, Aurora, IL 60506
Phone: +1 (630) 897-9029
Pharmacy
Address: 1325 North Highland Avenue, Aurora, IL 60506
Phone: +1 (630) 801-5733

How to Get to Aurora

Complaints about Short-Term Loans in Illinois

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
296
Struggling to pay your loan
209
Problem when making payments
161
Problem with the payoff process at the end of the loan
140
Getting the loan
122
Getting a line of credit
92
Incorrect information on your report
82
Charged fees or interest I didn't expect
77
Problem with additional add-on products or services
70
Can't contact lender or servicer
36
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Aurora

If you need to submit a complaint against an Illinois lender, the regulatory authority overseeing payday loans is the Illinois Department of Financial and Professional Regulation (IDFPR). They ensure compliance with state laws and can be reached at:

  • 320 W. Washington St., Springfield, IL 62786
  • 1-888-473-4858
Submit a Complaint

Frequently Asked Questions about Short-term Loans

How Do Payday Loans Work?

Payday loans are short-term cash advance solutions designed to bridge financial gaps until your next paycheck. Generally, you apply for a loan of a small amount, and the lender expects repayment on your next payday, including any fees or interest.

Can I Get a Payday Loan with Bad Credit?

Yes, many payday lenders offer loans to individuals with bad credit. They often focus on your current financial status and ability to repay, rather than your credit history. However, the interest rates may be higher for borrowers with poor credit.

How Quickly Can I Receive a Payday Loan?

Payday loans are often called instant or fast loans because they are processed quickly. Many lenders provide decisions within minutes, and funds may be deposited into your bank account as soon as the same day or the next business day.

Are There Alternatives to Payday Loans?

Yes, alternatives include borrowing from family or friends, obtaining a credit card cash advance, or seeking assistance from local non-profit organizations. These options might offer better terms and lower interest rates than traditional payday loans.

What Do I Need to Apply for a Payday Loan?

Typically, you'll need a valid ID, proof of income, and an active bank account. Some lenders also require you to be at least 18 years old and a resident of the state in which you are applying for the loan.

Can Payday Loans Be Used for Emergencies?

Yes, payday loans are often used for emergencies because they provide quick funds, making them suitable for unexpected expenses like medical bills, car repairs, or urgent household needs.

How Much Can I Borrow with a Payday Loan?

Loan amounts vary by state regulations and the lender's policies, but typically range from $100 to $1,500. It's important to borrow only what you need to ensure repayment is manageable.

Are Payday Loans Available Online?

Yes, many payday lenders operate online, offering a convenient way to apply for a personal loan from the comfort of your home. Online applications can often expedite the loan process.

What Are the Repayment Terms for Payday Loans?

Repayment terms for payday loans are usually short, often requiring full payment on your next payday. Some lenders offer installment options, which might include paying over a longer period with additional interest or fees.

What Happens if I Can't Repay a Payday Loan on Time?

If you cannot repay the loan on time, contact your lender immediately. Some may offer extensions or payment plans. However, failing to repay may result in additional fees, higher interest rates, or impacts on your credit score.

Are Payday Loan Fees Regulated?

Yes, payday loan fees are subject to regulation, which varies by state. It's crucial to understand the loan's terms and all associated fees before borrowing, ensuring compliance with local lending laws.

Illinois Short-term Loans Near Me

Abbott Park Abingdon Addison Albers Albion Aledo Algonquin Allendale Allerton Alsip Altamont Alto Pass Alton Amboy Anchor Anna Annawan Antioch Apple River Arcola Arenzville Argenta Arlington Heights Aroma Park Arthur Ashkum Ashland Ashley Assumption Astoria Athens Atkinson Atwood Auburn Augusta Aurora Ava Aviston Baden Bannockburn Barrington Barry Bartelso Bartlett Bartonville Batavia Beardstown Beaverville Beckemeyer Bedford Park Beecher Beecher City Belleville Bellwood Belvidere Bement Benld Bensenville Benson Benton Berkeley Berwyn Bethalto Bethany Biggsville Blandinsville Bloomingdale Bloomington Blue Island Blue Mound Bluffs Bolingbrook Bourbonnais Bradley Braidwood Breese Bridgeview Brimfield Broadlands Broadview Brookfield Brookport Brownstown Brussels Buffalo Buffalo Grove Bunker Hill Burbank Burlington Burnham Burr Ridge Bushnell Byron Cahokia Cairo Calumet City Calumet Park Camargo Cambridge Camp Grove Camp Point Campbell Hill Canton Cantrall Carbondale Carlinville Carlock Carlyle Carmi Carol Stream Carpentersville Carrier Mills Carrollton Carterville Carthage Cary Casey Caseyville Catlin Cave in rock Centralia Cerro Gordo Chadwick Champaign Channahon Chapin Charleston Chatham Chatsworth Chebanse Chenoa Cherry Chester Chicago Chicago Heights Chicago Ridge Chillicothe Chrisman Christopher Cicero Cisne Cissna Park City Clarendon Hills Clay City Clayton Clifton Clinton Coal City Coal Valley Cobden Coffeen Colchester Colfax Collinsville Colona Columbia Colusa Cornland Cortland Coulterville Country Club Hills Countryside Cowden Creal Springs Crest Hill Creston Crestwood Crete Creve Coeur Crossville Crystal Lake Cullom Dahlgren Dalton City Danville Darien Davis Davis Junction Decatur Deer Creek Deer Park Deerfield Dekalb Des Plaines Dewey Diamond Dieterich Divernon Dix Dixmoor Dixon Dolton Dongola Downers Grove Du Bois Du Quoin Dundee Dundee Township Dupo Durand Dwight Earlville East Alton East Dubuque East Moline East Peoria East St Louis Edinburg Edwards Edwardsville Effingham El Paso Elburn Eldorado Elgin Elizabeth Elizabethtown Elk Grove Village Elkhart Elkville Ellyn Elmhurst Elmwood Elmwood Park Emden Energy Erie Eureka Evanston Evansville Evergreen Park Fairbury Fairfield Fairmont City Fairmount Fairview Heights Farina Farmer City Farmersville Farmington Fieldon Fillmore Fisher Flanagan Flora Flossmoor Forest Forest Park Forrest Forreston Forsyth Fox Lake Fox River Grove Frankfort Franklin Franklin Grove Franklin Park Freeburg Freeport Fulton Galatia Galena Galesburg Galva Gardner Geneseo Geneva Genoa Georgetown German Valley Germantown Germantown Hills Gibson City Gifford Gillespie Gilman Girard Glasford Glen Carbon Glen Ellyn Glencoe Glendale Heights Glenview Glenwood Godfrey Golconda Golden Goodfield Goreville Grafton Grand Chain Grand Ridge Grand Tower Granite City Grant Park Granville Graymont Grayslake Grayville Great Lakes Greenup Greenview Greenville Gridley Griggsville Grove Gurnee Hamel Hamilton Hampshire Hanna City Hanover Hanover Park Hardin Harrisburg Hartsburg Harvard Harvey Harwood Heights Havana Hawthorn Woods Hazel Crest Hebron Heights Hennepin Henry Herrick Herrin Herscher Heyworth Hickory Hills Highland Highland Park Highwood Hills Hillsboro Hillside Hinckley Hines Hinsdale Hodgkins Hoffman Hoffman Estates Homer Homer Glen Hometown Homewood Hoopeston Hopedale Hoyleton Huntley Hurst Hutsonville Illiopolis Ina Industry Ingraham Inverness Ipava Iroquois Island Lake Itasca Iuka Ivesdale Jacksonville Jacob Jerseyville Johnsburg Johnston City Joliet Justice Kaneville Kankakee Karnak Kenilworth Kent Kewanee Keyesport Kildeer Kincaid Kinderhook Kinmundy Kirkwood Knoxville La Fox La Grange La Grange Highlands La Grange Park La Harpe La Moille La Salle Lacon Ladd Lake Lake Bluff Lake Forest Lake In The Hills Lake Villa Lake Zurich Lakemoor Lanark Lansing Lawn Lawrenceville Le Roy Lebanon Lemont Lena Lenox Lerna Lewistown Lexington Liberty Libertyville Lima Lincoln Lincolnshire Lincolnwood Lisle Litchfield Loami Lockport Loda Lomax Lombard Long Grove Lostant Louisville Loves Park Lynwood Lyons Machesney Park Mackinaw Macomb Maeystown Mahomet Malden Manhattan Manito Mansfield Manteno Maple Park Mapleton Maquon Marengo Marion Marissa Markham Maroa Marseilles Marshall Martinsville Martinton Maryville Mascoutah Mason City Matteson Mattoon Maywood Mccook Mchenry Mcleansboro Mcnabb Meadows Medinah Medora Melrose Park Mendon Mendota Meredosia Merrionette Park Metamora Metamora Township Metropolis Midlothian Milan Milford Milledgeville Millstadt Minier Minonk Minooka Modesto Mokena Moline Momence Monee Monmouth Monroe Center Montgomery Monticello Morris Morrison Morrisonville Morton Morton Grove Mossville Mounds Moweaqua Mt Carmel Mt Carroll Mt Olive Mt Prospect Mt Zion Mulberry Grove Mundelein Murphysboro Murrayville Naperville Nashville Nauvoo Neoga Neponset New Athens New Baden New Berlin New Holland New Lenox Newman Newton Niles Nokomis Normal Norridge Norris City North Aurora North Chicago Northbrook Northfield Northlake O'fallon Oak Brook Oak Forest Oak Lawn Oak Park Oakbrook Terrace Oakland Oakwood Oblong Odell Oglesby Okawville Olmsted Olney Olympia Fields Onarga Oneida Oquawka Orangeville Oreana Oregon Orion Orland Hills Orland Park Oswego Ottawa Palatine Palestine Palmyra Palos Heights Palos Hills Palos Park Pana Paris Park Park City Park Forest Park Ridge Patoka Paw Paw Pawnee Paxton Payson Pearl City Pecatonica Pekin Peoria Peoria Heights Peotone Percy Peru Petersburg Philo Pinckneyville Pingree Grove Piper City Pittsfield Plainfield Plano Pleasant Hill Pleasant Plains Polo Pontiac Poplar Grove Port Byron Posen Prairie Du Rocher Prairie View Princeton Princeville Prophetstown Prospect Prospect Heights Pulaski Quincy Rantoul Rapids City Raritan Raymond Red Bud Richmond Richton Park Ridge Ridge Farm Ridgway River Forest River Grove Riverdale Riverside Riverwoods Roanoke Robbins Roberts Robinson Rochelle Rock Falls Rock Island Rockford Rockton Rolling Meadows Romeoville Roodhouse Roscoe Roselle Rosemont Rosiclare Rossville Round Lake Round Lake Beach Round Lake Heights Ruma Rushville Sadorus Sainte Marie Salem Sandoval Sandwich Sauk Village Saunemin Savanna Savoy Scales Mound Schaumburg Schiller Park Scott Afb Sesser Seward Shabbona Shannon Shawneetown Sheffield Shelbyville Sheridan Sherman Sherrard Shiloh Shipman Shorewood Sidell Sidney Sigel Silvis Skokie Smithton Somonauk South Beloit South Elgin South Holland Sparta Speer Spring Grove Spring Valley Springfield Springs St Anne St Elmo St Francisville St Joseph St Libory St Peter St. Charles Staunton Steeleville Steger Sterling Stewardson Stickney Stillman Valley Stockton Stone Park Stonington Strasburg Stream Streamwood Streator Stronghurst Sublette Sugar Grove Sullivan Summit Sumner Swansea Sycamore Table Grove Tamaroa Tamms Tampico Taylor Ridge Taylorville Terrace Teutopolis Third Lake Thomasboro Thompsonville Thomson Tinley Park Toledo Tolono Toluca Tonica Toulon Tremont Trenton Trivoli Troy Tuscola Ullin Union University Park Urbana Ursa Utica Valmeyer Van Orin Vandalia Varna Vergennes Vermont Vernon Vernon Hills Vienna Villa Grove Villa Park Viola Virden Virginia Volo Walnut Warren Warrenville Warsaw Wasco Washburn Washington Waterloo Waterman Watseka Wauconda Waukegan Waverly Wayne City Wenona West Chicago West Frankfort West Salem Westchester Western Springs Westmont Westville Wheaton Wheeling White Hall Whittington Williamsfield Willow Springs Willowbrook Wilmette Wilmington Winchester Windsor Winfield Winnebago Winnetka Winslow Winthrop Harbor Witt Wonder Lake Wood Dale Wood River Woodhull Woodlawn Woodridge Woodstock Worth Wyoming Xenia Yates City Yorkville Zion