Disclaimer
Loan Matching Service Disclaimer
IllinoisLoansToday.com is a loan matching and advertising service, not a lender, loan broker, or agent for any lender. We do not make loans, set interest rates, make credit decisions, or charge fees to consumers. Our role is limited to connecting consumers with third-party lenders who may offer personal loans.
Not all consumers who submit a request will be matched with a lender. Not all consumers who are matched will be approved for a loan. Loan approval, terms, and conditions are determined solely by the lender.
APR and Loan Terms
Annual Percentage Rates (APRs) offered by lenders in our network typically range from 5.99% to 35.99%. Under the Illinois Predatory Loan Prevention Act (PLPA), consumer loan APRs are capped at 36%. Your actual APR depends on your credit profile, income, loan amount, loan term, and the lender's criteria.
Repayment terms range from 3 to 72 months depending on the lender and your qualifications. Example: a $10,000 loan at 15% APR over 36 months would result in a monthly payment of approximately $347.
Credit Score Impact
Checking rates initially on IllinoisLoansToday uses a soft credit inquiry and won’t hurt your credit score. But if you accept a lender's offer, they might do a hard credit check, which could lower it for a short time. Also, making payments late or not paying back the loan can damage your credit.
Advertising Disclosure
IllinoisLoansToday.com is compensated by lenders and advertising partners. This compensation may influence which lenders appear on our site and the order in which they are displayed. It does not affect the terms or conditions of any loan offer you receive. We strive to provide useful and accurate information, but we do not endorse any specific lender or loan product.
Not Financial Advice
The content on IllinoisLoansToday.com is provided for informational purposes only and does not constitute financial, legal, or tax advice. We recommend consulting with a qualified financial advisor before making any borrowing decisions. Information on this site may not reflect the most current legal or regulatory developments.
Illinois Regulatory Information
Personal loans in Illinois are regulated by the Illinois Department of Financial and Professional Regulation (IDFPR). Borrowers who believe a lender has engaged in unfair or unlawful practices may file a complaint with the IDFPR at idfpr.illinois.gov or by calling (888) 473-4858.
Accuracy of Information
While we make reasonable efforts to keep the information on our site accurate and up to date, we make no guarantees regarding the completeness, accuracy, or reliability of any content. Loan rates, terms, and availability are subject to change without notice. Always verify terms directly with the lender before accepting any loan offer.