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Cash Advance in Cicero, 60804

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Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

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We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

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Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Cicero


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Understanding Cash Advances and Payday Loans in Cicero, Illinois

The financial world can be complex and confusing, especially when unexpected expenses arise. Residents of Cicero, Illinois might be wondering how to navigate the labyrinth of lending options available to them. One popular solution is the cash advance or payday loan. But what exactly are these loans, and how do they work in Cicero? Let’s dive into the details.

Cash advances and payday loans are short-term, high-interest loans designed to provide quick financial relief until your next paycheck. They’re especially popular among those who might not qualify for traditional bank loans due to bad credit or a lack of a consistent income. In Cicero, like many other parts of Illinois, these loans offer a financial lifeline to those in urgent need.

However, it’s essential to approach payday loans with caution. The convenience they offer comes at the price of high interest rates and fees. Borrowers can easily find themselves in a cycle of debt if they’re not careful, taking out new loans to pay off old ones. Before opting for a payday loan, always ensure you have the means to repay it on time.

Are Payday Loans Legal in Illinois?

Yes, payday loans are legal in the state of Illinois, including in Cicero. However, there are regulations in place to protect borrowers. The state caps the APR on these loans and mandates cooling-off periods between loans to prevent borrowers from falling into a cycle of continuous borrowing. These regulations aim to strike a balance, allowing residents of Cicero access to emergency funds while safeguarding their financial well-being.

Payday Loan Requirements

When considering a payday loan, it’s essential to be aware of the general requirements set by lenders. These short-term financial solutions are designed to be easily accessible, making them a go-to option for many in immediate financial binds. The requirements are typically less stringent than traditional loans, making the application process more straightforward and quicker. However, while each lender might have its own specific criteria, some general requirements are universal across the payday lending industry.

First and foremost, applicants need to provide proof of a steady and consistent source of income. This ensures the lender that the borrower has the means to repay the loan when it’s due. This proof can come in the form of recent pay stubs, bank statements, or even a letter from an employer. Alongside income verification, lenders will usually require the applicant to have an active checking account. This account is where the loan will be deposited, and from where the repayment will be deducted. It’s a way for lenders to secure their investment and streamline the repayment process.

Lastly, potential borrowers need to be of legal age, typically 18 years or older, and have valid identification. Some states might also require applicants to provide social security numbers. It’s also common for lenders to conduct a quick background check to ensure the borrower doesn’t have outstanding payday loans or a history of defaulting on such loans. While credit checks might be a part of the application process, many payday lenders prioritize current financial situations over credit history, allowing even those with less-than-stellar credit scores to secure a loan.

How to Get a Cash Advance Loan in Cicero, IL

For those in Cicero looking to get a cash advance, the process is relatively simple. Start by searching for reputable lenders – US Cash Advance can connect you with trusted third-party lenders in their network. Once you’ve chosen a lender, the application process usually involves filling out a form, either online or in-store, and providing the necessary documentation.

Upon approval, which can often be on the same day, funds are typically deposited directly into your bank account. This swift process ensures that Cicero residents can address their financial emergencies promptly.

Can I Get a Loan with Bad Credit?

One of the attractions of payday loans for many Cicero residents is the possibility of obtaining a loan even with bad credit. While traditional financial institutions might reject loan applications based on credit scores, many payday lenders are more concerned with your current financial situation and your ability to repay the loan. So, having bad credit doesn’t necessarily disqualify you, though it might affect the terms of the loan.

Installment Loans vs. Payday Loans

In the realm of short-term financing, both installment loans and payday loans provide borrowers with immediate access to cash, but they differ significantly in structure, repayment, and cost. Understanding these differences is crucial for making an informed decision about which loan is most suitable for one’s financial situation.

1. Loan Structure and Repayment:

  • Payday Loans: As the name suggests, payday loans are short-term loans designed to be repaid by the borrower’s next paycheck, typically within two to four weeks. Borrowers write a post-dated check for the full balance, including fees, or provide the lender authorization to electronically debit the funds from their bank account. If the borrower can’t repay the loan on time, they may roll over the loan for an additional fee, leading to a cycle of debt.
  • Installment Loans: These loans are repaid over a set number of scheduled payments over a longer period, often ranging from a few months to a few years. Payments include both the principal and interest, making the loan balance decrease with each payment. The longer-term allows for smaller, more manageable monthly payments.

2. Loan Amount and Duration:

  • Payday Loans: Typically offer smaller loan amounts, often between $100 and $1,000. The short duration, usually until the borrower’s next payday, means high interest over a brief period.
  • Installment Loans: Generally provide larger amounts than payday loans, sometimes up to $10,000 or more, depending on the lender and the borrower’s creditworthiness. With longer repayment periods, they spread out the cost, making it easier on the borrower’s budget.

3. Interest Rates and Fees:

  • Payday Loans: Are notorious for their high interest rates. Annual percentage rates (APRs) can reach 400% or more. Additionally, if a borrower cannot pay back the loan on time and chooses to roll over the loan, fees can accumulate rapidly, exacerbating their financial difficulties.
  • Installment Loans: Typically have lower APRs than payday loans. The interest is spread out over a longer period, making the overall cost of borrowing generally lower than payday loans. However, the longer the loan term, the more interest a borrower might end up paying in total.

4. Accessibility and Approval:

  • Payday Loans: They are designed for individuals with poor credit or those needing fast cash. Approval is typically based on proof of a regular income source rather than credit scores. This easy accessibility is a significant reason they are popular among those with bad credit.
  • Installment Loans: While they might be available to those with various credit scores, lenders often review credit histories and might offer better rates to those with better credit scores. The application process might be a bit lengthier than payday loans but still quicker than traditional bank loans.

In conclusion, while both payday and installment loans offer quick financial solutions, they cater to different needs and financial situations. Payday loans might be suitable for emergencies and when certain that it can be paid back quickly. In contrast, installment loans are better for larger expenses, offering a more structured repayment plan with generally lower costs. Always consider the long-term implications of any loan and consult with a financial advisor when in doubt.


How much can I borrow with a payday loan in Cicero, Illinois?

This can vary by lender, but typically, payday loans range from $100 to $1,000.

How soon can I get my funds after approval?

Many lenders offer same-day approval and fund disbursement, especially for in-store applications.

What happens if I can’t repay my payday loan on time?

It’s essential to contact your lender as soon as possible. They might offer a rollover or an extension, though this could come with additional fees.

Are online payday lenders trustworthy?

While many online lenders are legitimate, it’s crucial to do your research. Platforms like US Cash Advance can connect you with trusted third-party lenders.

Can I take out multiple payday loans at once?

Illinois regulations restrict borrowers from having more than two payday loans at one time, with the total balance not exceeding the maximum limit.

How long do I have to wait between payday loans?

Illinois mandates a cooling-off period of 7 days after 45 consecutive loan days.

Are there alternatives to payday loans in Cicero?

Yes, alternatives include personal bank loans, credit card cash advances, and borrowing from family or friends.


Phone number

(708) 726-0777



4903 W 31st St ste 200, Cicero, IL, 60804


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations


1902 S State St ste 203, Chicago, IL 60616


518 S State St unit 10, Chicago, IL 60605


3735 W Irving Park Rd ste 204, Chicago, IL 60618

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