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Payday Loan Rules in Illinois
High-cost payday effectively barred
| Maximum amount | Legacy payday amount rules remain, but pricing capped |
|---|---|
| Loan term | Varies |
| Rate / fee rule | Most subject consumer loans capped at 36% APR under PLPA |
| Regulatory basis | 815 ILCS 123 (PLPA); 815 ILCS 122 |
Key Rules
- IDFPR says almost every high-cost payday/title lender surrendered its Illinois license after PLPA
Alternative Loan Options in Illinois
- Licensed consumer/installment loans ≤36% APR
- credit-union PAL
- bank small-dollar loan
Regulatory reference: review the cited regulator or statute summary. · NCSL 50-state payday lending summary State rules can change; confirm current terms before borrowing.
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