Payday Loans in Champaign

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  • Simple online application
  • Loans up to $5000
  • Instant Decision
  • Alternative Credit Check

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*By filling out the form above, you will be routed to PaydayLoansinUsa.com’s loan request form.

👍 Bad Credit? You're Welcome to Apply!

We're working with the lenders who perform only soft credit checks. It means that you'll get much higher chance of approval with us.

🕒 Instant Decision

With our near instant approval payday loans you just need to click the "Submit" button, fill out the form and get the money in 1 hour!

✅ Guaranteed Approval

Don't be fooled by anyone who promises guaranteed approval for bad credit loans. It's not possible. But we make sure you get the best possible opportunity from our direct lenders. Even if you have low income.

Are you struggling to pay the bills or rent while you’re weeks away from the nearest paycheck?

Or do you have an emergency situation and need money RIGHT NOW

There is a solution!

Payday loans are easy-to-get short term loans for every situation. You don't need anything to secure your loan except proof of income, because when you get a payday loan, you are expected to repay it with your next paycheck.

Bad credit? Don’t worry. The requirements for cash advance loans allow to get a loan even if you have bad credit and no checking account. All you have to do is to click on the Apply button and fill up the form.

How to get a payday loan without a bank account in Champaign, Illinois?

For an online cash advance, there are no requirements to have a bank account. There are direct lenders without credit check that accept prepaid debit cards and secured credit cards.

Again, you can apply for a payday loan if you don’t have a bank account.

Here’s what you have to do to get a payday loan without checking account:

  • Go to the top of this page and click the “Apply” button.
  • Fill up the form with your personal and bank details.
  • Submit the form and send the details.

Keep in mind, that in order to get instant approval, all the details should be valid. If you do everything right, you can get a payday loan the same day you apply. Or the next day at most.

What are the general requirements to qualify for a payday loan in Champaign, Illinois?

Payday loan requirements are different for every lender, but typically they have a lot in common. So here are the general requirements to apply for a payday loan:

  • You must be at least 18 years old to apply
  • Have proof of income
  • Have a valid checking account or prepaid debit account/card
  • Have a phone number to receive calls or/and messages

How much can I get on a payday loan in Champaign, Illinois?

The maximum amount of money you can get on a payday loan in Champaign, Illinois is $1000, and the maximum term is 120 days. The finance charge fees and/or interest rates (APR) if specified can go up to 15.5% per $100 (). But keep in mind that it's short term loans and small amounts of money. You would be able to repay them with your next paycheck.

Minimum Loan Amount $100
Maximum Loan Amount $1000
Minimum Loan Term 7 days
Minimum Loan Term 120 days
Credit score requirements Available for Bad Credit
Credit Check No Credit Check

What credit score is needed for a payday loan in Champaign, Illinois?

If the credit score is the only reason for you to not apply for a loan, fear not! You don’t need a good credit score for a payday loan, because most lenders do not even do a credit check for their clients. Because cash advance are short term loans, the only thing they care about if proof of income.

Can you get a payday loan in Champaign, Illinois with a 450-500-550 credit score?

The short answer is yes, you can get a payday loan with a 450-500-550 credit score. As we’ve already mentioned, direct lenders, unlike banks, do not perform credit checks. The payroll loans are secured by your paychecks.

Can I get a payday loan in Champaign, Illinois with really bad credit?

Let us repeat this again: yes, you can get a payday loan even with really bad credit, no matter how low your credit score is.

What payday loans are open today?

To find the lenders that are open today, please refer to our directory below. We recommend applying online via our form. This way you can get instant approval and get your money faster.

Also, online payday loans are always open 24 hours 7 days a week. Even on Sundays ;)

Payday Loan Companies in Champaign, Illinois:

Midwest Title Loans Payday Loans Picture

Midwest Title Loans

5
★★★★★
Based on 20 Google reviews
Address: 2107 W Springfield Ave, Champaign, IL 61821, USA
Phone: (217) 378-8566
Website: https://midwesttitleloans.net/
Heights Finance Corporation Payday Loans Picture

Heights Finance Corporation

5
★★★★★
Based on 4 Google reviews
Address: 1716 W Bradley Ave, Champaign, IL 61821, USA
Phone: (217) 359-2274
Website: https://heightsfinance.com/
Check `n Go Payday Loans Picture

Check `n Go

5
★★★★★
Based on 98 Google reviews
Address: 1706 W Bradley Ave, Champaign, IL 61821, USA
Phone: (217) 355-0340
Website: https://locations.checkngo.com/illinois/champaign/1706-w-bradley
Security Finance Payday Loans Picture

Security Finance

5
★★★★★
Based on 4 Google reviews
Address: 823 Bloomington Rd, Champaign, IL 61820, USA
Phone: (217) 352-6922
Website: https://security-finance.com/locations/champaign-il-0838/
LendNation Payday Loans Picture

LendNation

5
★★★★★
Based on 1 Google reviews
Address: 1401 N Prospect Ave Ste 1, Champaign, IL 61820, USA
Phone: (217) 531-1100
Website: https://lendnation.com/location/il/champaign/1401-n-prospect-avenue-0484
Mariner Finance Payday Loans Picture

Mariner Finance

5
★★★★★
Based on 1 Google reviews
Address: 511 W Town Center Blvd, Champaign, IL 61822, USA
Phone: (217) 866-0156
Website: https://marinerfinance.com/locations/Illinois/mariner-finance-location-in-Champaign-IL
Check Into Cash Payday Loans Picture

Check Into Cash

5
★★★★★
Based on 9 Google reviews
Address: 1507 N Prospect Ave, Champaign, IL 61820, USA
Phone: (217) 398-9100
Website: https://local.checkintocash.com/il/champaign/1507-n-prospect-avenue-4007.html
Midwest Title Loans Payday Loans Picture

Midwest Title Loans

4.8
★★★★★
Based on 23 Google reviews
Address: 1202 N Prospect Ave, Champaign, IL 61820, USA
Phone: (217) 866-1040
Website: https://midwesttitleloans.net/
TitleMax Title Loans Payday Loans Picture

TitleMax Title Loans

4.8
★★★★★
Based on 115 Google reviews
Address: 1308 N Prospect Ave, Champaign, IL 61820, USA
Phone: (217) 402-9862
Website: https://titlemax.com/store/champaign-il-title-loans/
AmeriCash Loans Payday Loans Picture

AmeriCash Loans

4.8
★★★★★
Based on 75 Google reviews
Address: 908 W Town Center Blvd, Champaign, IL 61822, USA
Phone: (217) 352-1716
Website: https://americashloans.net/locations/illinois/champaign/
America's Financial Choice Payday Loans Picture

America’s Financial Choice

3.7
★★★★★
Based on 3 Google reviews
Address: 821 Bloomington Rd, Champaign, IL 61820, USA
Phone: (217) 352-1200
Website: https://afchoice.com/citystore.php
Title Cash Payday Loans Picture

Title Cash

3.7
★★★★★
Based on 3 Google reviews
Address: 1102 N Prospect Ave, Champaign, IL 61820, USA
Phone: (217) 352-4510
Website: https://titlecash.com/
Chase Bank Payday Loans Picture

Chase Bank

3.5
★★★★★
Based on 29 Google reviews
Address: 201 W University Ave, Champaign, IL 61820, USA
Phone: (217) 353-4234
Website: https://locator.chase.com/il/champaign/201-w-university-ave
OneMain Financial Payday Loans Picture

OneMain Financial

3.1
★★★★★
Based on 11 Google reviews
Address: 501 W Town Center Blvd, Champaign, IL 61822, USA
Phone: (217) 378-5355
Website: https://onemainfinancial.com/branches/IL/Champaign/61822/383
Tower Loan Payday Loans Picture

Tower Loan

2.3
★★★★★
Based on 3 Google reviews
Address: 2412 W Springfield Ave, Champaign, IL 61821, USA
Phone: (217) 373-1430
Website: https://towerloan.com/
Midstate Collection Solutions, Inc. Payday Loans Picture

Midstate Collection Solutions, Inc.

1.7
★★★★★
Based on 6 Google reviews
Address: 2009 Round Barn Rd suite b, Champaign, IL 61821, USA
Phone: (217) 351-1888
Website: https://midstatecollections.com/home
World Finance Payday Loans Picture

World Finance

1.6
★★★★★
Based on 5 Google reviews
Address: 1001 W Bloomington Rd, Champaign, IL 61821, USA
Phone: (217) 352-6100
Website: https://loansbyworld.com/
Western Union Payday Loans Picture

Western Union

1
★★★★★
Based on 1 Google reviews
Address: Easy Pay, 2901 W Springfield Ave, Champaign, IL 61821, USA
Phone: (217) 352-7781
Website: https://westernunion.com/us/en/home.html
Q C Holdings Payday Loans Picture

Q C Holdings

0
★★★★★
Based on 0 Google reviews
Address: 1401 N Prospect Ave 1, Champaign, IL 61820, USA
Phone: (217) 531-0671
Website: https://firstchoicepaydayloans.com/ca/
QC Financial Services Payday Loans Picture

QC Financial Services

0
★★★★★
Based on 0 Google reviews
Address: 1401 N Prospect Ave 1, Champaign, IL 61820, USA
Phone: (217) 352-2100
Website: https://firstchoicepaydayloans.com/ca/
Central Finance Loan Payday Loans Picture

Central Finance Loan

0
★★★★★
Based on 0 Google reviews
Address: 306 S Neil St, Champaign, IL 61820, USA
Phone: (217) 352-4201
Website: https://No website
Summit First Financial LLC Payday Loans Picture

Summit First Financial LLC

0
★★★★★
Based on 0 Google reviews
Address: 2009 Fox Dr, Champaign, IL 61820, USA
Phone: (217) 355-3800
Website: https://No website