NorthWestern Financial Review

Illinois Lending

Illinois Lending Overall rating: ★★★★☆ 3.8 based on 10 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Illinois Lending Corp.

Illinois Lending is an installment loan provider that’s have been operating since 1996. It specializes in helping out those with bad credit or those who need fast cash in an emergency. The online portal connects potencial borrowers with a lender from its network of licensed lenders. It currently provides loans in the state of Illinois and has six branches located across the state: in Chicago, Moline, Orland Park, and Gurnee. As an installment loan provider, Illinois Lending is able to offer more affordable rates and more beneficial terms than its payday loan competition.

Company name Illinois Lending Corp.
Founded 1996
Address PO Box 524 Moline, IL 61265
Phone number
illinoislending website


  • Only installment loans available
  • Wide range of lenders
  • Fast online applicaion
  • Bad credit is ok
  • Loans up to $4,000
  • Experienced company
  • Rapid approval
  • Same-day funding
  • APR cap of 99%
  • Available both online and in stores


  • Only available in Illinois
  • Short repayment terms
  • Stricter eligibility requirements
  • Not a direct lender
  • Not BBB accredited
  • Lack of borrower reviews

Bottom line

If you’re a resident of Illinois and don’t have good credit, you may want to check out Illinois Lending. This service could help you borrow some cash to make ends meet. You can apply for both online and in-store loans with same-day funding. But you won’t qualify for a loan if you have no bank account that’s been open for at least 60 days or a steady income of at least $300 a week. Moreover, there are limited Illinois Lending reviews on the net. A lack of user reviews means you won’t know how other people fared before you apply. We recommend that you explore other options in your area. There’s a good chance you’ll find better rates elsewhere.

Types of loans

Illinois Lending offers installment loans ranging from $100 to $4,000 with APRs capped at 99%. While the company doesn’t quote loan terms on its website, you can expect to have between 112 to 180 days to repay your loan based on the state regulations.

The loan amout you qualify for, as well as your specific terms, will vary depending on your income but not your credit score. However, you need to have a valid checking account that’s at least 60 days old and earn at least $300 a week to be eligible.

You may be able to get the money as soon as the same day you’re accepted by picking up a check from the Illinois Lending branch near you. Otherwise, you’ll have the cash in your bank account the next business day.

Eligibility criteria have easy to meet borrower requirements:

  1. Resident of Illinois;
  2. US citizen or permanent resident;
  3. At least 18 years old.
  4. Weekly income of $300 or more;
  5. Bank account open for at least 60 days;

Category: Online Loans

Tags: Illinois

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Illinois Lending Reviews

This is a fake company! Don’t trust them!
- Joanne Pilkington

I was in the Orland Park office and the woman in there treated me like i was bother and was VERY rude. They rejected my request because my husband and I are on the same acoount??? Worst place!!
- John Whitehurst

Very professional, pleasant and efficient staff! Best
- Chance Bean

The lady I worked with was AMAZING. I got an installment loan within an hour. They are very professional.
- Willard Fiore

I have been a customer since 2018 and they are great! Friendly, understanding and always pleasant. And the rates are not that bad. I 100% recommend going there!
- Adam Shavers

Higher interest than a bank, of course, but VERY professional staff, comfortable and easy payments, i love their auto-pay option and purely online application process! I had an emergency and Illinois Lending was a savior… I’d recommend this company.
- Randy McClellan

I love Illinois Lending.. friendly, caring, professional, willing to help in anyway… and payments are affordable! I suggest this company to everyone!
- Bryan Waddell

Friendly and professional people. Made my loan experience simple and speedy. The interest rate is really affordable.
- James Wright

The service I received was poor and I do not recommend Illinois Lending to do business with.
- Sergio Byrd

They provided me $1,500 I needed in tough times. I especially like the competitive interest rate. The staff are friendly and very understanding . is the place to go when you need fast cash. Highly recommended.
- Alice Hurley

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