Loans in Cook County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cook County, IL.
The median household in Cook County earns $83,498 a year, about the same as the Illinois median of $83,390. About 14% of residents live below the federal poverty line, and 42.3% of households rent their home.
What you need for a personal loan in Cook County
Lenders that serve Cook County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Cook County
What Cook County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Cook County
Payday Loans Not available
Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by…
Personal Loans
36% APR all-in cap on consumer loans; installment lenders up to $40,000.
Title Loans Limited
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Banks and credit unions in Cook County
Banks with branches in Cook County
1,121 FDIC-insured bank branches from 92 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 155 | 1603 Orrington Ave, Evanston 60201 |
| Fifth Third Bank, National Association | 100 | 174 E 154th St, Harvey 60426 |
| BMO Bank National Association | 84 | 333 Park Ave, Glencoe 60022 |
| Bank of America, National Association | 80 | 135 S La Salle St, Chicago 60603 |
| The Huntington National Bank | 75 | 3333 W 26th St, Chicago 60623 |
| U.S. Bank National Association | 73 | 3300 Dempster St, Skokie 60076 |
| PNC Bank, National Association | 70 | 607 W Devon Ave, Park Ridge 60068 |
| Citibank, National Association | 43 | 9009 Ogden Ave, Brookfield 60513 |
| Byline Bank | 41 | 6945 N Clark St, Chicago 60626 |
| Wintrust Bank, National Association | 37 | 431 N Clark St, Chicago 60654 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cook County
167 credit-union locations from 81 credit unions.
| Credit union | Location |
|---|---|
| Michigan State University | 2500 N Halsted St, Chicago 60614 |
| American Airlines | 9600 Bryn Mawr Ave Ste 150, Rosemont 60018 |
| 77Th Street Depot | 5401 S Wentworth Ave Ste 26, Chicago 60609 |
| South Side Community | 5401 S Wentworth Ave, Chicago 60609 |
| Chicago Area Office | 600 W Madison St, Chicago 60661 |
| Evergreen Park Schools | 9901 S Kedzie Ave, Evergreen Park 60805 |
| Metropolitan ""L"" | 949 S Ridgeland Ave, Oak Park 60304 |
| Israel Methcomm | 7620 S Cottage Grove Ave, Chicago 60619 |
| Navy Federal Credit Union | 1408 N Meacham Rd, Schaumburg 60173 |
| Alliant | 11545 W Touhy Ave, Chicago 60666 |
| Baxter | 3 Three Lakes Dr, Northfield 60093 |
| Consumers | 1334 Shermer Rd, Northbrook 60062 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cook County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Cook County?
Cook County follows Illinois law. Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by the Predatory Loan Prevention Act.
Are title loans legal in Cook County?
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Where can I get a small loan in Cook County?
Options include 1,121 bank and 167 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Cook County?
Fill out our short online form from anywhere in Cook County. We share it with lenders in our network that serve Illinois; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Cook County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Cook County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Cook County?
Yes. When an unexpected bill comes up, Cook County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Cook County?
Yes. You don't need to visit a branch or storefront anywhere in Cook County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Illinois. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Cook County, IL?
You can apply at banks, credit unions and lenders in Cook County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Illinois residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.