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How It Works - Illinois

ShortTermLoans.com is licensed to make loans to Illinois residents. If you reside in a state other than Illinois, and submit a loan application on our site, we transfer your loan application into a referral form and share it with third party lender networks. If you are accepted by a lender in that network, the lender will contact you directly by email or phone. You will need to fill out their application and they will provide you with their loan terms including APR and repayment terms.

Payday Loans

A Payday Loan is a short term cash advance that can help you cover bills, car repairs, medical bills, or any other unexpected expense until your next payday. Avoid costly returned check fees, overdraft charges, and late fees by getting a payday loan today.

Installment Loans

An Installment Loan from Short Term Loans can also help you get cash fast for unexpected expenses or any other need while allowing you to pay the loan back over time in manageable payments.

See Rates & Terms for more details.

Shorttermloans.com makes it simple and hassle free to get the cash you need from the comfort and convenience of your own home.

Here's how:

  1. Apply Now by completing our easy and secure online application*
  2. Retrieve your email approval in minutes
  3. Money is deposited in your account the next business day

*Illinois law requires Short Term Loans, L.L.C. to have proof of your income on file. Please fax (877-556-2999) or email (support@shorttermloans.com) your current proof of income (pay stub) when applying to ensure quick processing of your loan. You may also upload your proof of income directly from our Member Area. Simply login and select 'Upload Documents'.

LOAN FUNDING SCHEDULE

Loans approved before 6:45 p.m. CST will be funded the next business day.

Loans approved after 6:45 p.m. CST will be funded the second business day.

Loans approved after 6:45 p.m. CST on Thursday and before 6:45 p.m. CST on Saturday will be funded on Monday.

REQUIREMENTS

Qualifying is easy! You just need to meet the following minimum requirements:

  • Currently employed (or receive other regular income)
  • Gross income of at least $1000 per month
  • At least 18 years of age
  • Checking account