Illinois (IL) lender directory
Installment Loans & Pawn Shops in Illinois
Looking for a lender near you in Illinois? Pick your city below. We list 106 stores in 81 Illinois cities, built from lenders' own store pages. Data last checked October 9, 2026.
Read our guide: Illinois Payday and Installment Loans: The 36% APR Cap Explained
Lenders by city
Top cities
- Lenders in Chicago 7
- Lenders in Springfield 3
- Lenders in Waukegan 3
- Lenders in Aurora 2
- Lenders in Belleville 2
- Lenders in Centralia 2
- Lenders in Danville 2
- Lenders in Effingham 2
- Lenders in Elgin 2
- Lenders in Freeport 2
- Lenders in Galesburg 2
- Lenders in Marion 2
All 81 cities A–Z
A
- Alton 1
- Arlington Heights 1
- Aurora 2
B
- Belleville 2
- Belvidere 1
- Benton 1
- Bloomington 1
- Bolingbrook 1
C
- Calumet City 1
- Canton 1
- Carbondale 1
- Caseyville 1
- Centralia 2
- Champaign 1
- Chicago 7
- Chicago Heights 1
- Collinsville 1
- Crest Hill 1
D
E
- Edwardsville 1
- Effingham 2
- Elgin 2
F
G
H
- Harrisburg 1
- Harvey 1
- Herrin 1
- Highland 1
- Hometown 1
J
K
L
- Lincoln 1
- Litchfield 1
M
- Machesney Park 1
- Macomb 1
- Marion 2
- Matteson 1
- Mattoon 2
- Metropolis 1
- Moline 2
- Morton Grove 1
- Mount Carmel 1
- Mount Vernon 1
N
O
P
- Paris 1
- Pekin 2
- Peoria 2
- Peru 2
- Pittsfield 1
- Plainfield 1
- Pontiac 1
Q
- Quincy 1
R
- Rantoul 1
- Rock Falls 1
- Rock Island 1
- Rockford 2
- Round Lake Beach 1
S
- Salem 1
- Schaumburg 1
- South Holland 1
- Sparta 1
- Springfield 3
- Stone Park 1
- Streamwood 1
- Streator 1
- Summit 1
T
V
- Vandalia 1
W
Lending rules in Illinois
General rules
- Illinois caps the interest rate on most consumer loans, including payday and installment loans, at 36 percent APR (Predatory Loan Prevention Act, effective with Public Act 101-0658 signed March 23, 2021). Source: Predatory Loan Prevention Act (815 ILCS 123); P.A. 101-0658 · verified Oct 9, 2026
- Since March 23, 2021 the 36 percent APR cap applies to loans under the Consumer Installment Loan Act and the Payday Loan Reform Act; auto retail installment loans are also covered. Source: P.A. 101-0658 (815 ILCS 123) · verified Oct 9, 2026
Payday loans (deferred presentment)
- Payday lenders (short-term loans) are licensed and regulated by IDFPR under the Payday Loan Reform Act (815 ILCS 122) and are subject to the 36 percent APR cap. Source: Payday Loan Reform Act (815 ILCS 122) · verified Oct 9, 2026
Title loans
- If a title loan agreement gives the lender a security interest in the vehicle, the lender may be able to repossess it when the borrower defaults. Source: IDFPR DFI consumer credit FAQ · verified Oct 9, 2026
Installment and consumer finance loans
- Consumer installment lenders make loans of up to $40,000 repaid in installments and are licensed by IDFPR under the Consumer Installment Loan Act (205 ILCS 670). Source: Consumer Installment Loan Act (205 ILCS 670) · verified Oct 9, 2026
Lenders in Illinois are licensed by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions. You can look up any license in its license search. See also online lenders and apps in Illinois.
Questions people ask
How many installment lenders are in Illinois?
We list 86 installment lenders and 20 pawn shops in Illinois, in 81 cities.
Which Illinois cities have the most lenders?
Chicago (7), Springfield (3), Waukegan (3), Aurora (2) and Belleville (2).
How do I check a lender's license in Illinois?
Lenders in Illinois are licensed by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions. You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- World Finance locations (IL) · 59 locations Last verified Oct 11, 2026
- OneMain Financial branches (IL) · 27 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), IL · 21 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- EZPAWN store locator (IL) · 20 locations Last verified Oct 11, 2026
- Predatory Loan Prevention Act (815 ILCS 123); P.A. 101-0658, P.A. 101-0658 (815 ILCS 123), Payday Loan Reform Act (815 ILCS 122), IDFPR DFI consumer credit FAQ, Consumer Installment Loan Act (205 ILCS 670) · General rules, Payday loans (deferred presentment), Title loans, Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.