Sun Cash Loans™

Payday Loans Chicago
Paycheck Relief with Installment Loans

4.4 Average Star Rating on Google

Are you in need of fast cash and need to make ends meet
before you get your paycheck?
Call Suncash Loans when you need a loan in Chicago.

Did you know that for many people with bad credit, payday loans may be the only way to get their hands on some money? At Sun Cash, we have been lending money to people with bad credit for over a decade. During this time, we’ve helped people cover urgent medical expenses, pay school fees, and even put food on the table.

We see ourselves as the only hope for people in Chicago with bad credit who may want to avoid borrowing money from friends and family. That said, we also offer loans with highly competitive interest rates and with little to no documentation. This means you can get approved for our installment loans or payday loans in no time!

If you need an urgent deposit of cash to take care of urgent expenses, do not look further than Suncash Loans!  Our Chicago location provides every borrower with peace of mind by making access easy. Apply for our Loans Online and see how simple it can be to find the information you need and get an installment loan fast. Call now to get started!

The Advantages of Getting Payday Loans in Chicago, IL

There are numerous advantages to getting a payday loan in Chicago. Here are a few reasons why people choose Illinois payday loans or a cash advance to pay their bills or fulfill short-term expenses:

  • Compared to typical loans, payday loans are approved faster. At Sun Cash Loans, we process loan applications faster than most others in the business. Plus, everything is handled online so unlike other payday lenders there is no need to visit our office or stand in line.
  • Borrowers are not limited in how they spend the money they borrow. It is the borrower’s responsibility to use the funds wisely. We recommend only borrowing via a payday loan when no other option exists.
  • We consider many factors before approving a payday loan, but your credit rating doesn’t matter as much. However, you should have a bank account to receive the funds.
  • Payday loans can help you avoid borrowing money from family and friends.
  • Our flexible online cash advances help borrowers avoid traditional lending systems.
  • Payday loans are designed to help pay up urgent expenses such as home or auto repairs and utility bills.

Why Choose Suncash Loans when you need to borrow money in Chicago

Over the years, there have been many reasons why people have come to us for a loan compared to the competition. While our excellent customer service is one of the reasons why people choose us, here are a few more reasons why people trust us with their business:

  • At Suncash Loans, we provide quick access to payday loans, regardless of who applies and their credit rating. This assists with meeting emergency expenses.
  • Suncash Loans has years of experience in the lending industry. We have used that experience to make it easy, quick, and secure for anyone to apply for a loan through our service.
  • One of the best aspects of using our service is that you have a higher chance of qualifying for a cash loan than traditional bank loans. Most traditional banks will only lend money to people with good credit.
  • Getting your cash advance from Suncash Loans means partnering with a friendly and dependable provider who is there to help during your time of need.

Payday Loans Chicago

Who Should Get A Payday Loan?

Payday loans are typically small, short-term loans meant to provide an immediate cash injection to individuals who need money to cover unexpected expenses or bills. Unlike other personal loans these are, for the most part, due on the borrower’s next payday.

The loans are ideally suited for people who have a job and need an injection of cash till their salary is remitted to their accounts. However, there many are many reasons why someone would want to get a payday loan. Some people may choose to get payday loans because they have yet to find another option for accessing cash quickly. For example, they may need a credit card or access to a traditional bank loan. Then there are also some people who may not have sufficient savings to cover unexpected expenses, which leaves them in a situation where they need to borrow money to make ends meet.

Chicago Payday Loan Regulations

Chicago has specific laws and regulations regarding cash advances and payday loans, some of which differ from other states. For instance, in Illinois, the maximum loan amount that borrowers can get is either $1,000 or 25% of their gross monthly income. The minimum loan duration is 13 days, and the maximum loan term is 120 days.

It is essential for borrowers to understand that payday loans typically carry high-interest rates due to their short-term nature and lack of collateral. In Illinois, the annual percentage rate can be as high as 404%, and finance charges can reach 15.5% for every $100 borrowed. Fortunately, at Sun Cash, we our online loan is accompanied by the most competitive rates.

It is also worth noting that the state does not allow rollovers. Plus, there is a cooling-off period of seven business days after 45 days of having a loan. So, during this period, a borrower cannot apply for another loan.

As licensed lenders in Chicago, we must disclose all loan terms, interest rates, fees, repayment period information, and other conditions to applicants before signing the loan. Both parties must also agree to the repayment date, usually the day following the borrower’s next paycheck.

Contact Us To Learn More About Our Online Payday Loans

To apply for a payday loan or a cash advance, fill out our brief online form here. Our team will then quickly go through your form and approve your loan. Unlike many other payday loan companies, everything is handled online. However, it is imperative to fill the form with the correct information and provide all information requested.

If you have any questions or want to learn more about our online payday loans, please get in touch with us today. We will be happy to answer any questions you may have.

People Often Ask:

Q: How do I get a quick installment loan in Chicago?

A: All you need to do is send us an application! Submit it online or visit our office.

Q: How many installment loans can I get?

A: This varies from person to person. Please contact us to discuss your circumstances and the loans you need.

Q: What do I need to get a cash installment loan in Chicago?
A: We generally only require basic personal information to process your application for a loan in Chicago. Depending on the type of loan you apply for, we may not even require a credit check.


4246 W. Fullerton
Chicago, IL 60639

Store Hours

Monday ? Friday: 9am ? 6pm
Saturday: 9am ? 12pm

Phone Number


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The operator of is not a lender and is not involved with the approval of loan inquires. Submitting your information on this site connects you with a lender marketplace where multiple lenders consider your request. Not all inquiries or requests for extensions are approved or receive the maximum amount requested or permitted.

Notice: Payday advances and short-term installment loans should only be used for short-term financial needs, and not as a long-term financial solution. Consumers experiencing financial difficulty should seek credit counseling.


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