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What people think about ELCA Federal Credit Union?
Below you see some of the reviews of our customers.
Good lender with competitive rates. They transferred immediately, as I expected. I will use ELCA Federal Credit Union again if I need temporary help.
Calista Tremblay
Fast application. I only filled in an ID and a bank account. Same day processing. The first time I was accepted for $600 only. Hope the limit will be more next time. Interest rate is average. Repaid the debt even before the due date. If desired, the term can be also extended.
Darius McLaughlin
Thank you ELCA Federal Credit Union for assisting me when I needed funds so bad to pay for business trip. I have applied through this website twice and everything was great. This is the most credible company with no hidden fees. Highly recommended!!!
Forest Goyette
Last week I urgently needed $800 to pay for a son’s college. I filled out an application form via the website of ELCA Federal Credit Union. I entered the basic personal information. No phone calls. The desired loan was approved within 20 minutes. The money was sent to my bank account within 2 hours. Awesome lender!
Ms. Hermina Berge V
ELCA Federal Credit Union seems reliable. At least they charge no hidden fees. This was the only lender that approved me for a cash advance.
Aliya Goodwin
Important
The previous three items describe a certain company. But below you can read common data about payday loans.
Payday Loans in Chicago, Illinois
A payday loan is an unsecured loan — typically $100 to $1,000 — that's must be paid off + interest as soon as you get your next paycheck. Lending periods typically do not exceed 30 days.
Payday loans in Chicago, Illinois is are simple to get. The APR is individual for each borrower and depends on multiple factors: age, income, loan amount needed, loan term, credit score, etc.
APR
404%*
Max Loan
$1,000 (or 25% of the gross monthly income)
Min Term
13 days
Max Term
120 days
Why people take out cash advances?
70%
Car expenses50%
Treatment40%
Vacation30%
Clothes30%
Home improvement
Payday loans for bad credit
Having a bad credit score automatically disqualifies consumers from getting a bank loan. Payday loans give consumers with a poor credit history an increased opportunity to get approved for such loans. A payday loan may be the only option available for some borrowers to help them deal with unexpected problems. If you take out such a loan, it is critical that you always borrow within your opportunities and pay off your loan commitments without delays.
To get approved for a cash advance, you need to meet the following requirements:
- be 18 years old or older;
- be a U.S. citizen or permanent resident;
- be employed and have a steady income;
- have a valid checking account in your name;
- have an email address and phone number.
Rate Your Credit Score
300
579
- No ability to get a loan
- No ability to rent a room
670
739
- 80% of loan approval
- Apply for all loan types
740
799
- 95% of loan approval
- Apply for all loans including mortgage
Rate your APR
This online calculator helps to quickly calculate the annual percentage rate. It’s easy to learn the real cost of the payday loan even before applying.
APR Calculator
Other Payday Lenders in Chicago, Illinois
Heights Finance Corporation
1716 W Bradley Ave, Champaign, IL 61821, USA
+1 (217) 359-2274
www.heightsfinance.com
Raymond James Financial Services
208 S Walnut St, Pinckneyville, IL 62274, USA
+1 (618) 357-5226
www.raymondjames.com
First Midwest Bank ATM
1011 14th St, North Chicago, IL 60064, USA
+1 (800) 322-3623
www.firstmidwest.com
First Midwest Bank
2760 Walter Payton Memorial Hwy, Oswego, IL 60543, USA
+1 (630) 554-2265
locations.firstmidwest.com
Cash America Pawn
11445 S Kedzie Ave, Merrionette Park, IL 60803, USA
+1 (708) 389-8505
www.cashamerica.com
