Can I get a personal loan in Illinois with The Lending Group?

Yes. We match Illinois residents with lending partners licensed by the IDFPR. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.

Who regulates personal loan lenders in Illinois?

The Illinois Department of Financial and Professional Regulation (IDFPR) licenses and examines consumer installment lenders under the Consumer Installment Loan Act, and publishes a searchable license lookup.

What is the interest rate cap on personal loans in Illinois?

The Predatory Loan Prevention Act caps most consumer loans at 36% all-in APR, a figure that includes fees and add-on charges rather than stated interest alone. A loan made above the cap is void and uncollectible.

Are payday loans still available in Illinois?

The 36% PLPA cap applies to payday products as well, which removed the triple-digit-APR storefront model from the state. Any lender offering an Illinois consumer a loan above 36% all-in APR is violating state law.

Does checking my rate affect my Illinois credit score?

No. Comparing offers uses a soft credit pull, visible only to you, with no effect on your FICO or VantageScore. A hard inquiry occurs only if you select an offer and that lender finalizes underwriting.

How much can I borrow in Illinois?

Partners in our network offer $2,500 to $50,000. What you qualify for depends on income, credit profile, debt-to-income ratio, and each lender's own limits.

Can I use an Illinois personal loan for furnace or basement repairs?

Yes. Furnace and HVAC replacement, burst-pipe repair, basement waterproofing, sump-pump systems, and roof work after ice damage are all permitted uses and among the most common in the state.

Can I use a personal loan to pay an Illinois property tax bill?

Yes, that is a permitted use. Given how large Cook County and collar-county bills can be, spreading one over a fixed installment schedule is a common reason Illinois borrowers apply.

How fast do personal loans fund in Illinois?

Comparing takes about 60 seconds. After you choose a lender and complete their verification, most approved loans deposit in one to three business days.

Can I get an Illinois personal loan with fair credit?

Yes. Borrowers between 580 and 669 typically see APRs from 17.99% to 24.99%, still well inside the state cap. Paying one card down a billing cycle before applying usually improves the offers you see.

Do public employees and union members qualify easily in Illinois?

Stable W-2 income with long tenure is the easiest profile for lenders to verify, so public-sector and union applicants often present strong files even at moderate incomes.

Is there a prepayment penalty on Illinois personal loans?

Loans in our network carry no prepayment penalty, so extra payments reduce principal directly. Confirm this in your specific lender's agreement.

What if an Illinois lender charges above the 36% cap?

File a complaint with the IDFPR and the Illinois Attorney General, and with the federal Consumer Financial Protection Bureau. Under the PLPA a loan exceeding the cap is void and uncollectible.

Does The Lending Group lend money in Illinois?

No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. All loans come from licensed lending partners, and our service is free to you.

What credit score do I need for a personal loan in Illinois?

Most lending partners serving Illinois look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.

What income do I need to qualify in Illinois?

There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many IL applicants qualify from about $1,500 a month in documented income.

Can I apply in Illinois if I receive Social Security, disability, or pension income?

Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.

Can I get a personal loan in Illinois without a job?

Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.

Do I need a bank account to borrow in Illinois?

Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.

Can two people apply together on a Illinois personal loan?

Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.

Will applying from Illinois hurt my credit score?

No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.

What is a good personal loan APR in Illinois right now?

For 2026, a fixed APR under about 11% is strong for Illinois borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Illinois are shaped by Predatory Loan Prevention Act & Consumer Installment Loan Act — 36% all-in apr cap under the plpa.

Are there origination fees on Illinois personal loans?

Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.

Why do two Illinois lenders quote me different rates for the same application?

Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical IL applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.

Are personal loan rates in Illinois fixed or variable?

Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.

Can I refinance an existing Illinois personal loan for a lower rate?

Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.

How much does a $10,000 personal loan cost in Illinois?

At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Illinois numbers before applying.

Which agency should a Illinois borrower contact with a lender complaint?

Start with the Illinois IDFPR, which licenses and examines consumer lenders under Predatory Loan Prevention Act & Consumer Installment Loan Act and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.

How do I verify a lender is licensed in Illinois?

Check the Illinois IDFPR licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.

What federal disclosures should a Illinois borrower receive before signing?

The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Predatory Loan Prevention Act & Consumer Installment Loan Act apply on top of these federal floors.

Is there a right to cancel a personal loan in Illinois?

Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.

Are prepayment penalties allowed in Illinois?

Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.

Does Illinois law limit debt collection if I fall behind?

Yes. The federal Fair Debt Collection Practices Act plus Illinois collection rules restrict harassment, false statements, and contact at unreasonable hours, and Illinois sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.

Does The Lending Group make credit decisions or charge Illinois residents a fee?

No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

Illinois Personal Loans

Personal Loans in Illinois: Compare IL Lender Offers

Illinois residents can compare unsecured personal loans from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99% through The Lending Group's marketplace. Illinois caps consumer loans at 36% all-in APR under the Predatory Loan Prevention Act, and lenders are licensed by the IDFPR. Checking your rate is a soft credit pull with no score impact.

Compare offers from lenders licensed to serve Illinois residents
Borrow $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%
Soft credit pull only — checking your rate never affects your score
Most approved loans fund in 1–3 business days
Available statewide, from Chicago, Aurora, Naperville and everywhere between
No fee to compare and no obligation to accept an offer

Check my rate →Estimate my payment

Soft credit check • No impact to your credit score • 60-second form

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Soft credit pull
60-second form
No fee to compare

At a glance

State served: Illinois (IL)
Loan amounts: $2,500 – $50,000
APR range: 6.99% – 24.99% fixed
Repayment terms: 24 – 84 months
Minimum credit score: 580 (670+ preferred)
State regulator: Illinois IDFPR
Governing law: Predatory Loan Prevention Act & Consumer Installment Loan Act
Rate & fee limits: 36% all-in APR cap under the PLPA
Typical funding time: 1 – 3 business days

Personal loan rates by credit score for Illinois borrowers (2026)

Credit band	FICO range	Typical APR	What to expect
Excellent	780–850	6.99% – 10.99%	Best pricing, longest terms, largest amounts available.
Very good	740–779	8.49% – 13.99%	Strong offers from most partners with minimal conditions.
Good	670–739	11.99% – 17.99%	Widest range of competitive offers; comparison matters most here.
Fair	580–669	17.99% – 24.99%	Fewer partners, smaller amounts, may require proof of income.
Building	Below 580	Limited availability	Consider a co-borrower or a secured product instead.

APRs shown are ranges advertised by lending partners serving Illinois as of 2026 and are illustrative, not an offer of credit. Your actual rate depends on credit profile, income, debt-to-income ratio, loan amount, term, and Illinois law. The Lending Group is a marketplace and does not set rates or make credit decisions.

Borrowing in Illinois: what local applicants should know

Illinois households carry a distinctive cost structure: property tax rates among the highest in the nation, particularly across Cook, Lake, and DuPage counties, paired with housing prices well below coastal levels. The result is that many Illinois borrowers have manageable mortgage payments but face large, lumpy annual tax and assessment bills — exactly the pattern that drives demand for fixed-payment installment credit.

Chicago and the collar counties account for the majority of applications, but the credit profile varies sharply within the metro. Applicants from the North Shore and western suburbs frequently qualify in the excellent and very good bands, while borrowers on the South and West Sides and in downstate communities more often land in the good-to-fair range where comparing several offers changes the outcome most.

Climate drives a predictable seasonal pattern. Illinois winters produce burst pipes, furnace failures, and ice-dam roof damage, while spring storms bring flooding and sump-pump failures. Furnace and HVAC replacement, basement waterproofing, and roof repair are among the most common Illinois loan purposes, typically in the $8,000 to $25,000 range.

The state's employment base — manufacturing, logistics, healthcare, and a large public sector — skews toward salaried and hourly W-2 income, which is the easiest category for lenders to verify. Public employees and union members with long tenure and pension participation often present strong applications even at moderate incomes.

Illinois licensing and consumer protections

Consumer installment lenders operating in Illinois are licensed by the Department of Financial and Professional Regulation (IDFPR) under the Consumer Installment Loan Act. IDFPR maintains a public license lookup, examines licensees, and accepts consumer complaints directly.

Illinois passed one of the strongest consumer credit protections in the country with the Predatory Loan Prevention Act, which caps the annual percentage rate on most consumer loans at 36% all-in. Critically, the PLPA's rate calculation includes fees and add-on charges, not just stated interest, which closes the loophole lenders historically used to advertise a low rate and recover the difference in charges. A loan made above the cap is void and uncollectible under the statute.

The Illinois Interest Act and the Consumer Fraud and Deceptive Business Practices Act layer additional protection on top, and the Illinois Attorney General actively enforces against unlicensed and deceptive lending. If a lender cannot produce an IDFPR license number, stop.

The Lending Group is a marketplace, not a lender. We do not extend credit, set rates, or make approval decisions in Illinois. Federal law also applies: the Truth in Lending Act requires written APR and finance-charge disclosure before you sign, and the Equal Credit Opportunity Act prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

How the marketplace works for Illinois residents

The Lending Group is an online lending marketplace, not a direct lender. We do not fund loans, set rates, or make approval decisions. We take a single Illinois application and match it against licensed U.S. lending partners so you can see multiple pre-qualified offers side by side instead of filling out the same form five times.

Pricing for the same borrower varies widely between lenders. Two lenders looking at an identical 690 FICO applicant in Illinois can quote APRs several percentage points apart, driven by their own risk models and funding costs. On a $20,000 five-year loan, a five-point difference is roughly $3,300 in interest — which is why comparing is the highest-value minute you will spend.

Comparing offers uses a soft credit inquiry that is visible only to you and has no effect on your FICO or VantageScore. A hard inquiry happens only if you choose a specific offer and that lender runs one to finalize underwriting.

Using the marketplace is free. We are compensated by lending partners when a match results in a funded loan, and that compensation never changes the rate you are quoted.

Common reasons Illinois residents borrow

Debt consolidation is the most frequent use. Rolling several credit card balances into one fixed-rate installment loan replaces revolving minimums with a defined payoff date, and because installment debt does not count toward revolving utilization, it often lifts a score within one or two billing cycles.

Home improvement and repair follow closely — roofs, HVAC replacement, storm and weather damage repair, and accessibility work. An unsecured personal loan closes far faster than a home equity product and does not put the property up as collateral.

Medical and dental bills, auto repair, moving costs, weddings, and genuine emergencies round out the list. Common exclusions across lenders include post-secondary tuition, gambling, and any illegal purpose.

Personal loan vs. other options for Illinois borrowers

How an unsecured personal loan compares with the alternatives most Illinois households weigh, using typical 2026 market figures.

	Personal loan	Credit card	HELOC	401(k) loan
Typical APR	6.99% – 24.99% fixed	~22.8% variable	~8% – 10% variable	~8.5% (prime + 1%)
Collateral	None	None	Your home	Your retirement balance
Time to funding	1–3 business days	Immediate	2–6 weeks	3–10 business days
Definite payoff date	Yes	No	After draw period	Yes (5 years)
Biggest risk	Higher rate than secured	Compounding interest	Foreclosure	Taxes if you leave your job

How it works

Step 1
Tell us what you need
Enter your loan amount, purpose, and basic contact details. The form takes about 60 seconds and never asks for payment.
Step 2
Compare pre-qualified offers
We match your profile against licensed lending partners with a soft credit pull. Your credit score is not affected.
Step 3
Pick the offer that fits
Review APR, monthly payment, term, and any origination fee side by side. Compare total cost, not just the monthly payment.
Step 4
Finish with your chosen lender
Complete verification directly with the lender you select. Most approved loans deposit funds in 1–3 business days.

What lenders in our network look for

Be at least 18 years old and a U.S. citizen or permanent resident
Have a verifiable source of recurring income — employment, self-employment, benefits, or retirement
Hold an active checking account in your own name for direct deposit and repayment
Provide a valid Social Security number and government-issued photo ID
Typically a FICO score of 580 or higher, with the best pricing at 670 and above
A debt-to-income ratio generally at or below 43%, including the new loan payment
An Illinois residential address and a phone number where you can be reached
Loans are made by IDFPR-licensed lenders priced within the 36% PLPA cap; availability varies by lender

Requirements vary by lender. Meeting them does not guarantee an offer, and The Lending Group does not make credit decisions — see our marketplace disclosure.

Frequently asked questions

Can I get a personal loan in Illinois with The Lending Group?: Yes. We match Illinois residents with lending partners licensed by the IDFPR. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.
Who regulates personal loan lenders in Illinois?: The Illinois Department of Financial and Professional Regulation (IDFPR) licenses and examines consumer installment lenders under the Consumer Installment Loan Act, and publishes a searchable license lookup.
What is the interest rate cap on personal loans in Illinois?: The Predatory Loan Prevention Act caps most consumer loans at 36% all-in APR, a figure that includes fees and add-on charges rather than stated interest alone. A loan made above the cap is void and uncollectible.
Are payday loans still available in Illinois?: The 36% PLPA cap applies to payday products as well, which removed the triple-digit-APR storefront model from the state. Any lender offering an Illinois consumer a loan above 36% all-in APR is violating state law.
Does checking my rate affect my Illinois credit score?: No. Comparing offers uses a soft credit pull, visible only to you, with no effect on your FICO or VantageScore. A hard inquiry occurs only if you select an offer and that lender finalizes underwriting.
How much can I borrow in Illinois?: Partners in our network offer $2,500 to $50,000. What you qualify for depends on income, credit profile, debt-to-income ratio, and each lender's own limits.
Can I use an Illinois personal loan for furnace or basement repairs?: Yes. Furnace and HVAC replacement, burst-pipe repair, basement waterproofing, sump-pump systems, and roof work after ice damage are all permitted uses and among the most common in the state.
Can I use a personal loan to pay an Illinois property tax bill?: Yes, that is a permitted use. Given how large Cook County and collar-county bills can be, spreading one over a fixed installment schedule is a common reason Illinois borrowers apply.
How fast do personal loans fund in Illinois?: Comparing takes about 60 seconds. After you choose a lender and complete their verification, most approved loans deposit in one to three business days.
Can I get an Illinois personal loan with fair credit?: Yes. Borrowers between 580 and 669 typically see APRs from 17.99% to 24.99%, still well inside the state cap. Paying one card down a billing cycle before applying usually improves the offers you see.
Do public employees and union members qualify easily in Illinois?: Stable W-2 income with long tenure is the easiest profile for lenders to verify, so public-sector and union applicants often present strong files even at moderate incomes.
Is there a prepayment penalty on Illinois personal loans?: Loans in our network carry no prepayment penalty, so extra payments reduce principal directly. Confirm this in your specific lender's agreement.
What if an Illinois lender charges above the 36% cap?: File a complaint with the IDFPR and the Illinois Attorney General, and with the federal Consumer Financial Protection Bureau. Under the PLPA a loan exceeding the cap is void and uncollectible.
Does The Lending Group lend money in Illinois?: No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. All loans come from licensed lending partners, and our service is free to you.
What credit score do I need for a personal loan in Illinois?: Most lending partners serving Illinois look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.
What income do I need to qualify in Illinois?: There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many IL applicants qualify from about $1,500 a month in documented income.
Can I apply in Illinois if I receive Social Security, disability, or pension income?: Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.
Can I get a personal loan in Illinois without a job?: Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.
Do I need a bank account to borrow in Illinois?: Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.
Can two people apply together on a Illinois personal loan?: Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.
Will applying from Illinois hurt my credit score?: No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.
What is a good personal loan APR in Illinois right now?: For 2026, a fixed APR under about 11% is strong for Illinois borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Illinois are shaped by Predatory Loan Prevention Act & Consumer Installment Loan Act — 36% all-in apr cap under the plpa.
Are there origination fees on Illinois personal loans?: Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.
Why do two Illinois lenders quote me different rates for the same application?: Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical IL applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.
Are personal loan rates in Illinois fixed or variable?: Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.
Can I refinance an existing Illinois personal loan for a lower rate?: Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.
How much does a $10,000 personal loan cost in Illinois?: At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Illinois numbers before applying.
Which agency should a Illinois borrower contact with a lender complaint?: Start with the Illinois IDFPR, which licenses and examines consumer lenders under Predatory Loan Prevention Act & Consumer Installment Loan Act and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.
How do I verify a lender is licensed in Illinois?: Check the Illinois IDFPR licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.
What federal disclosures should a Illinois borrower receive before signing?: The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Predatory Loan Prevention Act & Consumer Installment Loan Act apply on top of these federal floors.
Is there a right to cancel a personal loan in Illinois?: Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.
Are prepayment penalties allowed in Illinois?: Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.
Does Illinois law limit debt collection if I fall behind?: Yes. The federal Fair Debt Collection Practices Act plus Illinois collection rules restrict harassment, false statements, and contact at unreasonable hours, and Illinois sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.
Does The Lending Group make credit decisions or charge Illinois residents a fee?: No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

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