3 Month Payday Loans in Illinois: up to $100-5000


How it works?

If you found yourself in a tough financial situation in Illinois wanted urgent solution in the form of a payday advance? You have chosen the right way to solve all your financial issues with our payday advance loans! There are for easy steps to get 3 month payday loan quick.

Know your situation

prior to going to use for your payday loans in Illinois first, you should know your present circumstance. It is the best option for the short term loans to satisfy the necessary expenses.

Choose amount you need to borrow

You should to choose which amount you need to solve your financial circumstance. We offer 3-6-12 month payday loans from $100 up to $2500.

Fill out application form

Complete our fundamental online application. The application is short and protected. You will need your cellular phone useful to receive our validation code.

Get your payday advance

Receive your money straight to your account. Solve your problems. It's quick and easy to get money in Illinois.

Apply Form for Payday Loan

You are in a few minutes to get your money.

What's 3 Month Payday Loans?

Short money advances have turned into the major alternative for people with poor credit. When most banks and official monetary intuitions don't give urgent financial aid, borrowers have nothing to do but to go for more flexible options in the face of 3-month payday loans. They do not demand detailed credit ratings in Illinois. They are fairly simple to obtain. Moreover, such money advances seem to be a good way to enhance the credit rating to your future.

3-month payday loans in Illinois have become fairly popular with clients who require urgent money right here and right now. The title of the money advance speaks for itself. The term to plead is three month although there are a few additional variants for example 6 and 12-month loans. The service is quite new to both beginners and professional borrowers.

Therefore this article is to highlight the main issues as well as pros and cons associated with such cash advances. However, we're still to mention that such loan types are definitely worth mentioning, as an increasing number of people are able to take advantage of them.

Why People Are Deciding For 3 and 6 Month Payday Loans in Illinois

Imagine yourself with a steady job and great enough monthly wages to not live from hand to mouth. Sounds exciting, doesn't it? But what should one do if he or she runs out of money before the wages ? What if you have your back against the financial wall somewhere in the center of the month? Can you ask for assistance in the relatives or friends? Hardly. 3-month payday loans might seem to be a better solution.

The reasons to go for them might differ. They might not only be associated with money issues. We ought to take into consideration their versatility too. Let's review a few of the most well-known reasons why people have a tendency to select 3-month payday loans.

Reason #1 -- Longer Time to Repay

That's right. Generally, a borrower in Illinois hasn't more than 14-31 days to cover the invoices. Sometimes it isn't enough while every delay results in extra fees. A customer finds him or herself in the financial trap. The situation with 3 or 4 6-month payday loans is rather different. You have loads of time to refund and to run a payment schedule depending on your monthly income. Summing up, a longer repayment period is one of the critical reasons to select such type of money advances.

Reason #2 -- Cheap Loan Cost

This one applies to not all lenders of companies. However, usually, the APR rate is a little lower in comparison to traditional payday loans. In other words, a customer may feel more comfortable with the payments, as we aren't dealing here with bonded financial services that mostly rely on debtors' second wage. In addition, the APR rate is easily divided throughout the entire repayment period that may vary from 3 to 12 weeks.

Reasons #3 -- Higher Loan Number

The longer is the payout period, the more money you will access. In other words, 3-month payday loans in Illinois let clients use for more money if compared to traditional cash advances. We will explore this specific issue somewhat further signaling the specific sums depending on specific problems.

Reason #4 -- Negotiate the Loan

3, 6 or more 12-month payday advance lenders are almost always open to negotiate the terms of the agreement before or even after singing it. There's always a chance for the customer to rely upon the excess extension of the payout period. All you will need is to get a very clear and worthy reason for not having the ability to settle on time.

Need A Payday Loan?

How can 6 & 3 month payday loans work?

There's no crucial difference between 6, 3 or 12-month payday loans. The most important distinction is the repayment duration while the prerequisites are actually exactly the same. For example, an applicant needs to have a steady job for at least 90 days in exactly the same firm. Generally, clients can apply for $100-$5000 depending on the firm.


The major idea is that you can cover by a moth with three equal parts to refund in Illinois. The amount is divided into three equal parts that include all commissions and the APR rate. In other words, here we have 3 installations which are manageable. Good news is you will have a while to get ready for the first payout. With such a schedule, it's a lot easier for the borrower to pay the debt.


All these are cash advances for men and women that require around 180 days repaying in Illinois. The regulations regarding such loans are pretty tight especially concerning commissions. On the 1 hand, the government tracks the process of providing financial services. On the other hand, customers are protected from unfair companies.


It is yet the greatest cash advance customer may access if not contemplating traditional loans. Generally, it takes about 20 minutes to the creditor in Illinois to review the application and approve it. Sometimes, the process may take up to 24 hours whereas the necessary amount is moved instantly.

Just how much can 3-month payday loans cost in Illinois?

As it was stated before. Long cash advances are amongst most closely regulated. For clients, it means no hidden fees or extremely significant APRs. The cost will depend on the amount you actually borrow.

The Repayment Schedule

Let's say, you need to borrow $100 for your 3-month period. In cases like this, the loan will include 3 installments. The calculations are fairly easy, as the entire amount is broken up into three manageable sections of 51. As a result, you will need to refund $151, at which $51 is your loan cost including all of the charges and APR rates. Such clarity functions fine for people who want to plan their spending beforehand. Moreover, there is a lower risk of missing the deadline.

Benefits and drawbacks of 3-month short-term loans

While the demand in money advances is growing rapidly, an increasing number of companies offer their services. There's always the risk of coming across unfair lenders although such type of cash advance is regulated. At exactly the same time, you will need to be 100% sure, you will have the ability to refund while the prerequisites are somewhat stricter in comparison to fast cash advances. It all contributes in some major 3-month payday advance strikes and misses.


  • They feature a longer payout period.
  • They comprise a longer payout period.
  • They are available online.
  • The law is tighter.
  • No hidden fees and crystal clear pricing.
  • The loan is dependent upon your monthly premiums, making it easier to repay.
  • The approval does not take a lot of time.
  • No credit check.


  • Strict requirements to meet (you will need to work three or more weeks with the same employer with enough salary to apply).
  • You'll need to refund a 150% higher amount in comparison to the initial loan.

Need A Payday Loan?

A Poor Credit Rating Does This Affect My 3 Month Loan Program?

Much like from the situation with other popular kinds of cash advances, Illinois 3-month loans do not rely on the client's credit score. To start with, you're free to utilize the money you make it on any objective. It does not really matter how you're going to utilize them.

At precisely the same time, lenders do not check your credit. They are more focused on your wages rate as well as working experience and job. For this reason, the prerequisites are usually the same as with other payday loans. The applicant must be over 18 and have US-based citizenship.

Furthermore, they must have a permanent place of work in precisely the same company or business for 90 days. The loan does not apply to people who were recently fired. Other loans won't affect the choice too. You should say that the rule might differ from company to company. You should check your state authority and terms established by some of the local lenders.

Loans you can repay monthly with poor credit in Illinois

Repaying on mainly basis is obviously better for the borrower instead of covering the debt 14 days after accessing necessary money. This one especially refers to people with poor credit. But for a while a bad score is no longer an obstacle when getting financial assistance. Below are a few major loan types which may be paid back on a monthly basis.

Installment Loans

If you access those particular services, you will generally need to repay a string of routine and fixed installments. Regardless of the truth they are offered for those who have terrible credit, the repayment period could be extended up to 7 years depending on specific problems. Good news is that a borrow nevertheless has a chance to negotiate the terms with the creditor.

Short-Term Loans

Also called short-term financing, this type of cash advance can generally help if you need to pay urgent expenses such as house or car repair, vacation, etc.. Though most lenders provide them on two or three-week basis, the period could be extended up to 6 weeks making them a good choice to pay month after month.

Credit Card Loans

It might barely be a good alternative to other kinds of loans, although it's worth consideration. The most important problem about credit card loans is your APR speed and commissions. They are supposed to be the most costly for the debtors. On the other hand, one would hardly argue they're extremely convenient including prolonged repayment period for decades. You invest as much as you need and refund on a monthly basis using commission-free periods and other special offers depending on the issuer.

What Are Illinois Online Loans with Monthly Payments?

How frequently have you had your back against the wall due to lack of money? Financial stumbling blocks always come suddenly. Instant loans are the sole instrument to get ready for any emergency whether you need to pay the lease, pay another debt or need to pay for the education. The term"instant loans" means immediate access to some necessary amount. The key features are as follows:

  • Online accessibility and quick approval.
  • Instant decision and money transferred to your account.
  • Quick repayment and flexible programs.

It is all about speed and ease. At precisely the same time, we should not overlook the vital advantage, as immediate lending works great for people with poor credit too.

Online Installment Loans

Online installment loans are most likely the only solution for those that crave for faster access but do not want to refund 1 debt at a time. In other words, here we have a more flexible financial service with a pole payout schedule on a daily basis. You always know when and how much you need to cover depending on your salary. The key features are as follows:

  • Manageable monthly installments and flexible period.
  • Higher loan amount to access even with poor credit.
  • The speedy decision on your application and instant money transfer.

Bad Credit Loan with Monthly Payments

All the above-mentioned really refer to this type of loans. They comprise different money advances both online and offline that aren't provided by traditional banks. The prerequisites might depend on the leader. However, the firm mainly reviews monthly wage, working experience, along with other crucial variables instead of checking the credit. Generally, you need to refund once or twice in 14-31 days.

Online Loans with Monthly Payments

All these are only those kinds of cash advances that are reimbursed by month. They comprise 3, 6 or 12-month loans as well as installment credits and some of the short-term loans too. They also do not rely on the credit rating but comprise a more flexible paying schedule together with the entire amount of 150% from the initial sum to settle. Hey usually have the cheapest APR and no extra commissions or fees.

We serve these locations in Illinois, IL

Illinois Advance Loan - Cities

States we serve

Get started now. Cash advance near you within an hour.



4.9/5 and 896 Reviews