Pheabs works with lenders all across Illinois to help you get money as quickly as possible in a cash emergency. Whether you need some extra cash to cover the rent or pay off some unexpected bills, you can find your loan completely free and without leaving the house. Requesting a loan through Pheabs will get your inquiry out to lenders across Illinois giving you a better chance of securing that loan, and fast!


We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.

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The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.

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Soft search will not impact your credit score

We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.

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Illinois payday loans are designed to assist those with a regular income in cash emergencies. This may include urgent car repairs or hospital bills. The loan can be used for whatever you wish but are not meant for shopping or frivolous spending. Payday loans in Illinois should also not be used to make repayments on other loans.

There are a few questions you should ask yourself before making your payday loan request in Illinois:

Can I afford to make the loan repayments on time? Payday loans are designed for people with a stable income. Inability to make your payday loan repayments will cause interest to be added and may also affect your credit rating. 

Have I looked at alternative options? There may be alternative options available to you, such as borrowing money from family or friends.Borrowing money from someone close to you may also help you out of your tight financial spot.

Do I know how much I need to borrow? It’s best to make sure that you don’t borrow too much or too little for your needs. If you are having a cash emergency, it is important to cover your costs until you can get your finances in a better position. If you borrow too much, you may find yourself unable to make the payments.

How long do I want to borrow for? You should decide whether you wish to pay on your next payday or take a long-term loan and pay in instalments. If you just need the cash to tide you over until payday, go for a short-term loan. This will give you between 2 and 4 weeks to repay the loan in one full repayment. If you need longer to get your finances in order, a long-term loan lets you borrow funds for up to 5 years.

You can get an Illinois payday loan from $100 up to $35,000. You can choose how long you need to borrow for and when you want to repay it. If you opt for a short-term loan, you repay the money 2-4 weeks later in one final repayment. This gives you time to reach your next paycheck. With longer-term loans, You can borrow the funds for up to five years and pay it back in equal instalments each month. You are able to repay the amount early at any time, and this will also save you money on interest. Finding yourself unable to repay your loan on time could affect your credit score and interest may be added.


Our loan request process is easy to follow and quick to complete. When clicking on the “Get Started” button below, you’ll be taken to our online form. Here, you’ll have to provide a few personal details about yourself, including your employment, your income and expenditure, as well as the amount you wish to borrow and how long for. Through Pheabs, you can find payday loans with borrowing amounts ranging from $100 to $35,000, with repayment periods of up to five years max.

We understand that you might need access to cash fast in an emergency. If approved, you could receive funds from one of our trusted lenders in as little as an hour. This makes Pheabs a great way to find the cash you need when you need it.

You can get a payday loan in Illinois by inquiring with Pheabs. Our loan searching service is entirely free and can be done online from your couch. Pheabs makes it easy for you to acquire the money you need and the request process only takes a few minutes. The online engine scours the payday loan market to find the best options for you. Once you submit an enquiry form, Pheabs instantly searches direct lending companies across Illinois and return a quick decision to you.

We remove the need for you to search through multiple different lenders and the convenience of doing everything without leaving the house. This allows you to acquire the cash even quicker. You will get your results in minutes. Once accepted, the money could be in your account the same hour.

From Chicago to Aurora, Naperville to Rockford — we can help you find great payday loan options in Illinois.


Don’t despair if you have bad credit; you can still get a payday loan in Illinois. Pheabs helps find payday loans for people with all credit histories, including poor credit. Even if you have been turned down by a bank because of bad credit, it is still worth searching with Pheabs to find the loan you need. Even if you have no credit at all, a lender may be willing to provide a payday loan. Everyone needs an economic pick-up occasionally, and a payday loan could provide the lift you need to rebuild your financial strength.

Are You A Broker Or A Lender?

Pheabs is a broker, not a lender. This means that if your loan is approved, the funds will come from a trusted lender we’ve selected from our panel.

How Do Loan Repayments Work?

Repayments for the payday loan will be taken out automatically from your bank account. This will happen on the date agreed with you and your chosen lender.

How Quickly Will The Funds Come Through?

Funds could come through in as little as an hour if your application is approved, making Pheabs the perfect tool to help you find same day loans.

How Much Money Can I Borrow With An Illinois Payday Loan?

Payday loan amounts range from $100 to $35,000. Borrowing periods can go up to five years.

What Are The Fees For Using Pheabs?

Pheabs won’t charge any fees for submitting a payday loan request form.