Finding a personal loan in Illinois has never been easier. Whether you're in Chicago, Aurora, Rockford or anywhere across Illinois, you can compare rates from 7.50%–36.00% APR across 500+ lenders — completely free with no credit score impact.
| Lender | APR Range | Loan Amount | Min. Credit | Available in IL |
|---|---|---|---|---|
| 🏆 SoFi Best APR | 8.99%–29.99% | $5K–$100K | 680+ | ✅ Yes |
| Marcus by Goldman | 6.99%–24.99% | $3.5K–$40K | 660+ | ✅ Yes |
| ⭐ LightStream Best for Good Credit | 7.49%–25.99% | $5K–$100K | 660+ | ✅ Yes |
| Upstart | 7.80%–35.99% | $1K–$50K | 300+ | ✅ Yes |
| Avant | 9.95%–35.99% | $2K–$35K | 580+ | ✅ Yes |
| LendingClub | 9.57%–35.99% | $1K–$40K | 600+ | ✅ Yes |
Illinois caps consumer installment loan rates at 36% APR under the Predatory Loan Prevention Act.
We analyze APR, fees, loan amounts, and availability specifically for Illinois residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
Our comparison service is always free for Illinois consumers. We earn referral fees from providers — you pay nothing.
Our Illinois data is refreshed every month to reflect current rates, offers, and lender availability in your state.
Personal loan rates in Illinois typically range from 7.50%–36.00% APR depending on your credit score and loan amount. Borrowers with excellent credit (720+) qualify for the lowest rates.
Illinois caps consumer installment loan rates at 36% APR under the Predatory Loan Prevention Act.
Most lenders in Illinois require a minimum credit score of 580–660 for personal loans. Some lenders like Upstart accept scores as low as 300. A higher score (720+) will get you the best rates.
Most online lenders approve personal loan applications in Illinois within 1 business day. Funds are typically deposited in 1–3 business days after approval.