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Rates and Terms > Illinois

Governing Law

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

Illinois Pamphlets

English and Spanish pamphlets.

Illinois Disclosure

Interest-Free Payment Plan

If you still owe on one or more payday loans after 35 days, you are entitled to enter into a repayment plan. The repayment plan will give you at least 55 days to repay your loan in installments with no additional finance charges, interest, fees or other charges of any kind.

Maximum Loan Amount

The maximum loan amount for Illinois residents will be 25% of gross monthly income or $1,000.00, whichever is less.

Fax of Pay-Stub

By Illinois regulation, all Illinois customers must have a pay stub on file with CashNetUSA when receiving a payday loan. Please fax or e-mail CashNetUSA your latest pay stub when applying to ensure quick 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 (866)326-5265 or via email to support@cashnetusa.com. As soon as we receive this, we will be able to complete your loan request.

Loan Terms

Extensions

In accordance with Illinois law, your loan must be paid in full on the due date. Early payoff requests must be received at least 2 business days prior to your due date.

Fees and Charges

Your loan fees will be $15.50 per $100 borrowed.

Fees Schedule and APR

$100 $200 $300 $400 $500 $600 $700 $800 $900 $1000
Term In Days Apr** Finance Charge / APR**
13435.19%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
14404.11%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
15377.17%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
16353.59%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
17332.79%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
18314.31%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
19297.76%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
20282.88%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
21269.4%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
22257.16%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
23245.98%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
24235.73%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
25226.3%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
26217.6%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
27209.54%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
28202.05%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
29195.09%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
30188.58%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
31182.5%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
32176.8%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
33171.44%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
34166.4%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00
35161.64%$15.50
$31.00
$46.50
$62.00
$77.50
$93.00
$108.50
$124.00
$139.50
$155.00

License or Registration

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Image: CFSA: Community Financial Services Association of America.