Legal
Last updated: March 1, 2026
IllinoisLoansToday.com is a loan matching and marketing service, not a lender. We do not originate, fund, or service loans. We do not make credit decisions, set interest rates, or determine loan terms. Any loan you receive is made entirely by a third-party lender operating independently of IllinoisLoansToday.com.
Submitting a loan request through our Site does not guarantee that you will receive a loan offer. Loan approval depends entirely on the lender's own criteria, including your credit history, income, and other factors. We make no representation that any particular lender will offer you a loan or that any loan offer will meet your needs.
We do not advertise specific APRs because rates vary by lender, loan amount, loan term, and your individual creditworthiness. Under the Illinois Predatory Loan Prevention Act (PLPA), consumer loan APRs are capped at 36%. Typical personal loan APRs for Illinois residents range from approximately 5.99% to 35.99%. Always review the full loan agreement — including all fees and the total cost of credit — before accepting any offer.
Example: A $5,000 loan at 24% APR over 36 months would have monthly payments of approximately $197 and a total repayment of approximately $7,092.
IllinoisLoansToday.com is an affiliate marketing website. We earn compensation when users we refer are matched with lenders or when users click through to lender websites. This compensation may influence which lenders appear on our site and how they are presented, but it does not affect our editorial content or the objectivity of our informational articles.
Lenders in our network may perform a soft credit inquiry when you submit a request, which does not affect your credit score. If you proceed with a formal loan application through a lender, they may perform a hard credit inquiry, which may temporarily affect your credit score. The type of inquiry performed depends on the individual lender's practices.
All articles, guides, calculators, blog posts, and other content on this Site are provided for general informational and educational purposes only. This content does not constitute financial advice, legal advice, credit counseling, or any professional advisory service. You should consult a qualified financial or legal professional before making any borrowing or financial decisions.
Our loan matching service is available to residents of the State of Illinois only. We do not facilitate loans in states where our service is not licensed or authorized. Even within Illinois, lender availability varies. Not all lenders serve all Illinois zip codes or loan amounts.
Our Site may contain links to third-party websites, including lender websites. We are not responsible for the content, privacy practices, or accuracy of any third-party websites. Links to third-party sites do not constitute an endorsement of those sites or their products and services.
IllinoisLoansToday.com makes no warranties, express or implied, regarding the accuracy, completeness, or fitness for purpose of any information on this Site. Loan matching results, rate estimates, and calculator outputs are estimates only and are not binding offers of credit.
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